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"Emergency savings" is money set aside to cover unexpected personal expenses. It's suggested that you have six months of essential living expenses saved in case of an emergency, however 28%* of Americans have no emergency savings at all.
For a lot of folks, the first step to setting a budget is often the hardest, because you have to stare your ‘bad’ habits right in the face (for example, your daily double-mocha-whipped-yumminess). But once you get a handle on where your money is going, you can set realistic goals for spending (and saving). So, take a deep breath and dive right in.
Automatically putting money away into your savings account is the easiest way to ensure you’re growing your savings. For Rivermark members, automating these transfers to your savings is very easy! Follow these simple steps:
Putting money away for a rainy day (or a sunny one, for that matter), will give you added security in case of emergency, and will help you avoid financial pit-falls like high credit card debt. Understanding the different savings options available arms you with the knowledge you need to make the most of the money you save.
Buying a car can be stressful. Before you go car shopping, prepare yourself with these 5 tips.
Whether you're cruising down the highway of independence or shifting gears into adulthood, buying your first car is an exciting milestone. It's a journey that takes a bit of planning and decision-making, and here at Rivermark Credit Union, we're all about helping you navigate through this process.
When you decide to get a new car, the process can be overwhelming. There are many decisions you have to make. One of the most important decisions is whether you want to buy the car or to lease it. To help decide, we’ve put together some advantages and disadvantages of buying versus leasing.
Buying a vehicle is generally among the largest purchases you’ll make, so it's important to get a vehicle that meets your needs and wants. When it’s time to go car shopping, start by asking yourself these 10 questions.
For most people, an auto loan is what makes it possible to buy a car. You agree to the terms, interest rate, and monthly payment because it allows you the freedom to have your own vehicle. Depending on your circumstances, the terms of that loan may have felt reasonable at the time. But as time goes on, you may feel like there are better options out there.
If you already own your own home, then it is possible to refinance that home at any time. In fact, refinancing your home could save you money overall. However, it’s important to weigh the costs with the benefits before starting your application. Here’s what you need to know.