Assessing Your Budget
You can’t devise a proper plan for attaining your retirement goals without first assessing your budget. To do that you need to determine how much you have coming in and how much you spend. Calculate your total income, then subtract all expenses and debts. Once you see where your money is going, you can decide if you need to cut back somewhere. If you need to lower your expenses, we can help.
• Bill Consolidation Loans — If you have a number of outstanding debts, it may make sense to consolidate them into one loan. With one loan, your payments are usually lower, and you pay less in total interest charges.
• Loan Refinancing — You can refinance your current loans and get lower rates at your credit union.
• Low-Cost Services — If you have a checking account or use other banking services at another institution, check out the same services with us. Chances are the rates, fees and terms will be better.