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Frugal Date Nights: Keep Your Partner and Wallet Happy

Posted by August on Aug 11, 2022 12:48:30 PM

Want to plan the perfect date night without breaking the bank? Check out the BALANCE blog post below for a few great ideas.


When you and your partner are focusing on paying down debt, it’s easy to put relationship fun on hold. After all, dining out is a sure-fire way to blow the budget. Expensive vacations? Entirely out of the question!

But you can still keep the spark alive with regular date nights, even on a budget.

First, schedule the time into the calendar. Often, busy couples find that if it doesn’t get scheduled, it doesn’t happen. If you have young children, consider coordinating with another family to swap babysitting duties. This way, each set of parents gets an evening out without paying for a babysitter.

Now that you’ve got the date set and the sitter lined up, here are some frugal date night ideas so you and your partner can make great memories without spending much money.

Go on a hike

A hike (or a leisurely walk) in a beautiful location is a great way to spend some distraction-free time with your spouse. Enjoy the scenery, get some fresh air, and get your blood pumping. Websites like AllTrails and Outdoor Project are good free resources for local hikes.

Play Tourist

If a friend or family member was coming to visit your city, where would you take them? Often, the most impressive or entertaining spots get overlooked by locals. Pretend you’re just visiting the area and hit up some of the top tourist destinations and local landmarks. The local Chamber of Commerce is an excellent resource for inspiration.

Star Gazing

You don’t need a telescope to take your honey stargazing! It’s best to choose a night when you’ll have clear skies and a new moon. Pack up a blanket and some snacks and head out of town to a place with dark skies and little light pollution. Spread out the blanket, look up at the stars, and bask in the awe of a starry sky.

Eat Cake

If you miss going out to restaurants while you’re tightening the budget, you can get that restaurant enjoyment without having a full sit-down meal. Coffee and dessert at your favorite restaurant still feel like a splurge. Who said you can’t have your cake and eat it, too?

Have a Picnic

A picnic doesn’t have to be a fancy (read: expensive) affair. A lunch sack will do just fine if you don’t have a dedicated picnic basket. Cheese, crackers, fruit, and your favorite drinks require almost no prep and taste even better at a local park or wilderness area.

Visit a Farmers Market

You might be amazed at how much is happening at your local farmer’s market! Of course, you’ll find farmers selling their freshly grown produce, but there’s likely also baked goods, meat and eggs, crafts (like handmade candles and soap), and ready-to-eat food. Wandering around the farmer’s market is a great way to spend a few frugal hours. You might even come home with local produce and inspiration to try a new recipe.

Hit up the Yard Sales

If you like the thrill of the hunt, it’s worth getting up early on a Saturday morning and hitting the yard sale circuit. Decide how much money you’re willing to spend ahead of time and bring it in small bills. This helps to ensure you stay within your budget. You never know what you might find at a yard sale—and sometimes you’ll come home empty-handed! Not knowing is all part of the fun.

Gather Fruit

Nearby orchards or berry farms can make for great frugal dates. The “u-pick” fruit farms are typically less expensive and tastier than the comparable fruit at the grocery store, and you get to spend some quality time outside with your partner. Make sure to research the right time to go for ripe fruit and bring some containers from home.

Wrapping it Up

Date nights are so important in relationships. Time to talk without the day-to-day stressors and sharing new experiences help keep the romance alive. These things don’t have to be expensive. Keep your budget on track with frugal date nights and watch your relationship and savings account grow.

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Topics: Home, Life & School

5 Things You Need to Start Your FAFSA Application

Posted by August on Jul 12, 2022 2:34:09 PM

Are you heading to college in the fall? If so, I bet you're super excited! I remember how much anticipation I had the summer before heading off to Coastal Carolina University. I couldn't wait to arrive on campus, meet my roommates, get my new dorm room set up, and officially start my classes.

As exciting as starting college can be, it can also be nerve-wracking. I was moving away from home for the first time, where I'd be away from my family and have to make all new friends. On top of the social stress, I was worried about juggling college coursework and getting good grades to maintain my scholarships.

Luckily, I received a few scholarships to help with the expense of college tuition. However, scholarships don't always cover the entire cost. Luckily, you can apply for several federal financial aid programs through FAFSA, such as loans, work-study, and grants. Check out the BALANCE blog post below for 5 things you need to start your FAFSA application.

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Topics: Personal Finance, Coastal Carolina University

Nine Steps to Achieving Financial Independence

Posted by August on Jun 29, 2022 12:26:40 PM

As we're still coming off the excitement of Independence Day, I thought, what better time to discuss the importance of financial independence and how to achieve it. 

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Topics: Personal Finance

Best Places Around the Grand Strand to Celebrate Independence Day

Posted by August on Jun 29, 2022 12:14:25 PM

Cue Born in the USA, Proud to be an American, and Independence Day by Martina McBride (I had to add a little twang for my country heart.) Believe it or not, the Fourth of July is my favorite holiday, and just like Christmas has its carols, Independence Day has its melodies. Something about those proud tunes, warm weather, cookout food, and fireworks speaks to my soul. 

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Topics: Home, Life & School

Scam Proof Your Financial Life Online

Posted by August on Jun 23, 2022 11:29:11 AM

With the growth of technology at an all-time high, there has never been a more opportune time for cybercriminals to take advantage of vulnerable people. Protecting yourself and your private information can be difficult when there are so many different types of fraud.

Carolina Trust wants to make sure you have all the tools you need to protect yourself from scammers and know what to do if you've been scammed, which is why this month's Financial Friday Community Panel was all about fraud. Check it out below:

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Topics: Personal Finance

How To Jump-Start Your Emergency Fund

Posted by August on Jun 16, 2022 11:42:22 AM

It seems that emergencies always strike when you least expect them.

I went out of town this past weekend on a girls' trip, where I probably spent a little more money than I should have, and wouldn't you know it; my car broke down on the way home from the airport. My first thought was, "please don't let this be expensive," and my second was, " all that money I just spent on my trip would come in handy right now."

Unfortunately, wishing my worries away isn't going to pay for the auto repairs. Luckily, I have an emergency savings account. Although I hate depleting it, times like this are precisely what that safety net is for.

I couldn't help but think of the trouble and panic I'd feel if I didn't have my emergency savings account to fall back on, so I wanted to share the tips below from BALANCE on how to jump-start your emergency fund.

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Topics: Personal Finance

Support the Team Behind the Team: The 2022 Chanticleer Athletic Foundation Gala

Posted by August on May 27, 2022 3:13:46 PM

As an Alumna of Coastal Carolina University, it's only natural for me to cheer for the Chanticleers. Luckily, I joined an employer who loves Coastal athletics as much as I do. However, cheering on my favorite team wouldn't be possible without the Chanticleer Athletic Foundation (CAF), otherwise known as the Team Behind the Team.

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Topics: Coastal Carolina University

Commercial Real Estate Loans: Application Checklist

Posted by Carolina Trust Federal Credit Union on May 23, 2022 10:30:00 AM

Experienced lenders exercise caution when reviewing commercial real estate loans. The lending team reviews wide-reaching documents and financial disclosures before determining whether a business can effectively repay the revenue. The strict scrutiny employed by loan professionals tasks applicants with collecting and submitting a substantial amount of information. By reviewing this commercial real estate loan application checklist, borrowers can be better prepared and receive a faster loan approval.

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Topics: Commercial Lending

6 Types of Commercial Real Estate Loans

Posted by Carolina Trust Federal Credit Union on May 19, 2022 12:15:00 PM

Commercial real estate loans provide entrepreneurs, investors, and other industry leaders with revenue to improve profitability and advance business goals. But selecting the best loan product can prove challenging. Lenders offer commercial real estate loans with varying interest rates, repayment terms, and qualification thresholds. If you require an influx of revenue to purchase or refinance a property, make renovations, or expand your business it’s crucial to find the best financing solution for your needs.

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Topics: Commercial Lending

Commercial Real Estate Loans: What do Lenders Look For?

Posted by Carolina Trust Federal Credit Union on May 17, 2022 4:00:00 PM

Purchasing commercial real estate to construct a new building, renovate an existing one, or use the property as a revenue-generating asset requires financing. Few small, mid-sized companies or investors possess the cash on hand to complete a transaction and pay for next steps out-of-pocket. That’s why commercial real estate loans are a necessary resource for building a strong economy, creating jobs, and growing personal wealth.

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Topics: Commercial Lending

Carolina Trust Federal Credit Union Blog 

Welcome to the Carolina Trust Federal Credit Union Blog! We're excited to share financial tips and information for a variety of different topics.

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Check out recent blog posts by our Brand Ambassador, August, for tips on achieving financial success in the bag. 

 

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