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Creating Habits, Not Resolutions

Posted by August on Jan 16, 2026 8:54:44 AM

The start of a new year is sort of like a fresh slate, prompting lots of people to set New Year's resolutions. Some of the most common resolutions are eating healthier, becoming more physically active, saving money, improving personal relationships, learning a new hobby or skill, reading more, etc. 

However, others avoid making resolutions altogether because they never stick to them or get the results they're looking for. You know, the folks who say things like "I always break my resolutions" and "I always give up by mid-January."

One reason New Year's resolutions are so difficult to keep is that they require you to change. Change is hard, and people tend to resist it because it involves a lot of work, willpower, and motivation to do things differently than you have in the past. It's a lot easier just to keep things as they are, especially if you don't have a plan of action with detailed steps on how you're going to make a change.

Whether you call your personal goals New Year's resolutions or not, there is a better way to achieve them: creating good habits. When your actions become a habit, you don't have to remember when, where, why, or how to do them. They just get done because they become part of your daily routine.

Remember, habits- good or bad- result from small decisions we make over time. Our lives today (e.g., finances, health, career achievements) reflect our past habits. To make personal changes, focus on creating habits and routines. Decide now who you want to be next year and prove it to yourself every day by creating lasting habits that make positive changes in your life.

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Topics: Personal Finance, Seasonal

Santa's Christmas Cookie Recipes

Posted by August on Dec 22, 2025 11:01:25 AM

Can you believe it's almost Christmas? I feel like there are still so many things left to do. Luckily, I was able to cross baking cookies for Santa off of my to-do list. Growing up, we'd make a big batch of Christmas cookies a day or two before Christmas to take to different Christmas gatherings, and we would always save a few to set out for Santa. Santa wasn't the only one who got a treat; we always made sure to leave carrots for the reindeer too! We may have even left carrots for Santa instead of cookies a few years because my mom insisted that Santa was dieting.

This year, I requested cookie recipes from Carolina Trust employees at our annual cookie exchange so that Santa could have a new variety. I'm not going to lie this close to Christmas, I may have snuck a few cookies, but they were specifically for taste testing purposing. I wouldn't want to give Santa a nasty cookie. He would put me on the naughty list for sure!

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Topics: Home, Life & School, Seasonal

Tis the Season to Give

Posted by August on Dec 11, 2025 12:37:17 PM

With the holiday season right around the corner, you'll be asked to give more than ever.. giving to charity, giving of your time, giving gifts to love ones, etc.

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Topics: Seasonal

Seasonal Scams to Avoid Through the Holidays

Posted by August on Dec 3, 2025 1:07:42 PM

The holidays are always one of the busiest times of year for me. I typically get caught up in the hustle and bustle of the holiday season and wait until the very last minute to get everything done. By the time I get around to buying gifts for loved ones and giving to holiday charities, I'm in a total rush.

Last-minute shoppers like me are a dream for holiday scammers. The Grinch isn't the only one trying to steal this Christmas, so check out the BALANCE blog below for a few tips and tricks to avoid seasonal scams during the holidays.

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Topics: Identity Protection & Security, Seasonal

How to Avoid Overspending on Black Friday and Cyber Monday

Posted by August on Nov 17, 2025 12:11:56 PM

It's almost time for my favorite holiday, Black Friday. Of course, I'm kidding, but as someone who loves to shop, I do look forward to Black Friday and Cyber Monday each year.

Shopping on Black Friday and Cyber Monday can be a great time to score deals on items that you've wanted to purchase, but you can also get easily sucked into overspending if you're not prepared. Check out the BALANCE blog post below for tips on how to avoid overspending on Black Friday and Cyber Monday.

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Topics: Personal Finance, Seasonal

How to Stay on Budget During the Holiday Season

Posted by August on Nov 17, 2025 12:11:06 PM

It's officially the most wonderful time of the year! However, as wonderful as the holiday season is, it can bring about many expenses that can cause you to bust your budget. If you need help saving on holiday gifts, travel, and meals, try my tips below:

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Topics: Seasonal

DIY Halloween Costumes

Posted by August on Oct 22, 2025 11:29:29 AM

Halloween is right around the corner, and if you don't already have a costume, this is your sign to make your own. If you're not super crafty, no need to worry, these costumes are super easy to make; plus, they're also super cheap.

Halloween can get pretty expensive once you've bought a costume, accessories, candy, treat bags, etc. Save some money this year and make one of the creative costumes below:

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Topics: Home, Life & School, Seasonal

5 Way to Get Into the Fall Spirit at the Beach

Posted by August on Sep 25, 2025 11:14:00 AM

Fall is officially here, although it may not seem like it with 80-degree weather and palm trees instead of falling leaves.

Growing up in the mountains of Virginia, the arrival of fall was always seen and felt. It didn't take much to really get into the fall spirit. However, when I moved to the beach, I found that embracing the fall season required more effort on my end.

Since there isn't a major transition in the environment around me to help get me excited about fall, I've relied on the following things to get me in the spirit.

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Topics: Seasonal

Back to School Shopping: Delayed Gratification and Other Tricks to Trim Your Spend

Posted by August on Aug 7, 2025 2:21:38 PM
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Topics: Personal Finance, Seasonal

Ways to Reduce Summer Cooling Costs

Posted by August on Jul 17, 2025 8:13:21 AM

I love living in the south; life is slow, and the people are friendly, but boy, IT IS HOT. It's almost impossible to beat the heat without blasting the a/c unless you catch a breezy day at the beach (my personal favorite way). But having the a/c blasting from May to October can get pretty pricey. Check out the BALANCE blog below for Ways to Reduce Summer Cooling Costs.

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Topics: Personal Finance, Home, Life & School, Seasonal

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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