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Shop Small Saturday

Posted by August on Nov 22, 2022 11:07:40 AM

With the holidays right around the corner, you've probably started making your shopping list and scouring through sales ads for all of the best Black Friday and Cyber Monday deals. Although you could quickly load up your Amazon cart with all the gifts on your list, I would encourage you to look into local businesses as an alternative.

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Topics: Personal Finance, Seasonal

Costly Mistakes Shoppers Make (and How to Avoid Them)

Posted by August on Nov 17, 2022 1:14:23 PM

With the holidays right around the corner, you may do more shopping than usual. In the blog post below, you'll learn some of the most costly mistakes shoppers make and how to avoid them so that you don't fall into a trap while doing your holiday shopping.

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Topics: Personal Finance

Making Holidays a Breeze – Start Now

Posted by August on Nov 3, 2022 2:09:01 PM

Holiday décor and music are filling department stores, Starbucks and Dunkin have released their holiday drink menus, and some people have already started putting up their trees. Although I'm not quite in the holly jolly spirit yet, I have begun financially planning for the holidays so that my debt doesn't outweigh my cheer. Below are the tips I'm using to keep myself in check as I kick-start my holiday spending.

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Topics: Personal Finance, Seasonal

Balancing the Sports Family Budget

Posted by August on Sep 14, 2022 11:27:57 AM

Every year when the kids head back to school, and the weather gets cooler, the south gets ready for their favorite season of the year, football season. Sports have become such an integral part of our society that I feel like our seasons of the year revolve around them; Football Season, Basketball Season, Baseball Season and Summer.

With sports playing such a huge role in people's lives, they tend to start their children in youth leagues as early as possible and fill their nights and weekends with sporting events from that time on. According to the National Council on Youth Sports, parents spend an average of $671 per year on youth sports, with 20%of parents spending over $1,000 or more per year—on each child!

The good news is parents have options when it comes to sports-related spending. Check out the BALANCE blog post below for tips on how to balance the family sports budget:

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Topics: Personal Finance

Tips to Control Emotional Spending

Posted by August on Sep 7, 2022 1:46:05 PM

Nothing quite relieves stress after a long day of work, like retail therapy. Or, if you're like me, you may even be guilty of stopping by Target or TJ Maxx during your lunch break for a quick browse.

If that sounds familiar or you look forward to the feeling of serotonin kicking in when you swipe that card and helping you forget all the exterior things weighing you down, then you may be emotional spending.

As satisfying and stress-relieving as it may be, emotional spending can quickly get you into trouble if left unchecked. In a time where "treating yourself" is more popular than being fiscally responsible, it's easy to get off budget and buy things you don't need. If emotional spending is leading you astray, use the tips in the BALANCE blog below to help you regain control.

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Topics: Personal Finance

Tips from a Teacher to Help Your Child Acclimate to a New School Year

Posted by August on Aug 17, 2022 2:32:17 PM

The start of the new school year can be exciting for kids. They get a new teacher, start seeing their friends again daily, and get all new clothes and supplies. However, beginning a new school year is also a big change and may require a bit of an adjustment period.

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Topics: Personal Finance, Home, Life & School

Six Ways to Save on Homemade Meals

Posted by August on Aug 17, 2022 1:58:18 PM

With school back in session, it can be easy to get off track on your budget with the additional cost of school lunch and on-the-go breakfast and dinners. A great way to save money and start a good back-to-school routine is to make your meals at home.

Check out the BALANCE blog post below for six ways to save on homemade meals.

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Topics: Personal Finance, Home, Life & School

Boost Your Summer Stash of Cash

Posted by August on Jul 21, 2022 1:45:13 PM

I don't know about you, but I feel like summer is easily my biggest spending season of the year. I've finally re-saved money that I spent during the holidays and get the urge to spend it, and boy do I. I spend on new summer clothes, fun outdoor events, travel, and vacation; I'm just a spending machine during the summer months.

If you're like me and are looking to boost your summer stash of cash, check out the BALANCE blog below for a few helpful tips.

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Topics: Personal Finance, Seasonal

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

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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