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Newspaper
The Chronicle Telegram
Location
Elyria, Ohio, United States of America
Date
Jan 06, 2012
Page
12
If debt mail from a man named Bill fills your box visit the credit union to discuss a consolidation loan. You can pay off high interest cards with one fair rate payment and often lower total interest and monthly costs.
Online shopping tempts with limited time deals and targeted ads. Track your online purchases in monthly budgets, review bank statements, and avoid saving payment details to reduce impulse buys while recognizing money spent is real and can strain finances.
A credit union debit card offers convenient checkout, quick swipes with PIN or signature, and potential savings on travel fees. Use cash back at merchants to avoid ATM fees and notify the credit union of travel plans to prevent holds and fraud.
Five common New Year resolutions and their potential savings are outlined. Quitting smoking can save 1825 to 3650 dollars yearly, plus insurance reductions. regular exercise lowers medical costs. eating healthier reduces food bills. paying down debt cuts interest and boosts credit. building an emergency fund avoids high-cost lending.
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