In this blog, we'll cover everything from wise spending and avoiding impulse buys to understanding the importance of giving and exploring safe investment options. We'll also provide valuable learning resources to deepen your understanding of financial principles and inspire you to set and achieve your own financial goals. Money Management Tips Wise Spending When you’re getting ready to make a purchase, always ask yourself, "Is this a want or a need?" This question can help you avoid unnecessary purchases. Remember, it's okay to treat yourself occasionally, but keep your financial goals in mind ..read more

Spring is in the air and we’re rolling out the green carpet for our youngest members! This April, during Youth Month, we're launching a super exciting challenge called "Save Away for a Rainy Day." Here's everything families need to know to get their little ones started on a path to financial wisdom—and maybe even win some cool prizes along the way! Save Away for a Rainy Day - The Challenge What's the Scoop? As a child, imagine being able to turn your pocket money into a treasure chest of opportunities. That's exactly what the "Save Away for a Rainy Day" challenge is all about. It's a call to a ..read more

Imagine you're in a game where the objective is to climb a ladder to reach your goals, but the higher rungs seem just out of reach. This metaphor closely resembles what many face in today’s economy—a situation where covering daily expenses is manageable, but making significant life upgrades, like buying a new car or moving into a better home, feels nearly impossible. This scenario, known as the "trapped economy," according to Business Insider, can feel like being stuck in a level with no power-ups in sight. What's the "Trapped Economy"? The trapped economy is essentially a catch-22 situation w ..read more

In the world of personal finance, the concept of luck often surfaces in conversations about winning the lottery or unexpected financial gains. However, the real cornerstone of financial well-being isn't found in fleeting moments of fortune but in the consistent application of smart saving strategies. As experts in guiding our members towards financial success, we've seen firsthand the transformative power of informed, strategic saving. Let's dive into how you can turn your financial dreams into reality, step by step. Understanding Your Financial Landscape Before embarking on any journey, it's ..read more

Spring isn’t just a season for cleaning out closets and washing windows. It's also the perfect opportunity to dust off your financial plan and spruce up your budget and investment strategies. With the fresh start of the season, it's time to take a closer look at your personal finances and ensure they’re on track for the rest of the year and beyond. Assessing Your Financial Health Reviewing Your Financial Statements Begin by gathering all your financial statements — this means bank accounts, credit card bills, investment accounts, and any other debts or assets. This comprehensive review is akin ..read more

Talking about money isn't always romantic, but in a relationship, it's absolutely essential. Financial planning can either make or break the bonds of love, with studies showing that couples who regularly talk about money are happier than those who don't.  Understanding Your Financial Landscape Together Assessing Individual Financial Situations Before you can dream together, you need to be clear on where you stand individually. Transparency about financial health, debts, and assets is key. It might not be the most exciting date night topic, but understanding each other's financial situatio ..read more

Think of your credit score as the heart of your financial wellbeing; it needs care, attention, and a bit of love to keep it healthy. Just as in any successful relationship, understanding and nurturing are key. Here’s how to charm your way to a better credit score, with wisdom from Fort Worth City Credit Union, your trusted financial partner. Understanding Your Credit Score: The First Date What's in a Number? It all starts with getting to know what a credit score is. It’s more than just a number; it's a reflection of financial history, the same way one learns about a partner's past. A credit sc ..read more

Stressed about Valentine's Day and the cost of showing your love? You're not alone. The pressure to spend is everywhere, making it seem impossible to celebrate without splurging. But here's a game-changer: budget-friendly Valentine's Day ideas that strengthens your bond without straining your budget. We've got the ultimate guide to a wallet-friendly celebration, turning stress into excitement. Say goodbye to financial worries and hello to a day filled with love and joy. As a credit union that's seen the financial ups and downs of many a love story, we're here with a guide to help you plan a bu ..read more

Struggling to talk about money without starting World War III at the dinner table? You're not alone. Most families find money chats as enjoyable as a trip to the dentist. It’s awkward, sometimes painful, and often ends with no one smiling. But what if we told you there’s a way to turn those dreaded money talks into fun, and engaging conversations? Let’s tackle this together, transforming tension into teamwork with our easy-to-follow guide on family finances. Establishing Open Communication The Importance of Financial Transparency One of the first steps to achieving financial wellness within a ..read more

Struggling with high-interest credit card debt can feel like a never-ending cycle. Each payment barely scratches the surface, with most of it going towards interest, not the actual debt. Credit unions like FWCCU help you break this cycle. Discover how our balance transfer options can significantly reduce your interest rates and help you pay off debt faster. Understanding Balance Transfers The Burden of High-Interest Debt High-interest rates on credit cards, especially store cards, can turn manageable debt into a financial nightmare. It's a common challenge, but one that credit unions are uniqu ..read more