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12 Steps to Financial Wellness Step 7: How to Pay Yourself First

“Pay yourself first” is a catchphrase that refers to prioritizing your personal savings above other expenses. To achieve it, savings should be a fixed line on your budget that happens every month without fail. Here’s how to pay yourself first. Review Your Spending Take a clear look at your spending. If you already have a budget,

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7 Simple Ways to Spot of Survey Scam

Survey scams are almost as old as the internet. Spend just an hour online and there’s a good chance you’ll be running into an ad for a “super quick” survey promising big money or prizes for just a few minutes of your time.   What actually happens, though, is that the scammer walks away with

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12 Steps to Financial Wellness Step 6: Pay it Forward

There’s so much good you can do with the money you’ve been blessed to have. There’s also a lot of good you can do with your time, talents, and possessions. Let’s explore some ways you can make the world better by paying it forward.  Donate funds to your favorite causeThe classic and simplest way to

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What to Buy and What to Skip in July

The days are still long and filled with sunshine. And though retailers would have you think otherwise, school is still a long way off. If you’re looking to save on some purchases this month, you can find lots of bargains around Independence Day weekend and beyond. Here’s what to buy and what to skip in

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How Can I Save on Entertainment Costs?

With a bit of creativity and pre-planning, you can trim your recreation budget without feeling pinched. We’ve listed a variety of ways to save on entertainment costs. Attend amateur sporting events Instead of spending big on professional sporting events, get your fix at local high school or college games. You’ll get the same excitement and

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How to Boost Your Productivity at Work

Everyone wants to do their best at work, but you can sometimes stare at the same to-do list day after day after day. Here’s how to keep your productivity levels up at work. Start your day with the MITs Get your most crucial tasks done by separating the MITs (most important tasks) from the other

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Beware of Job Scams

It’s an amazing employment opportunity–or is it? Scammers often hijack the job market to ensnare job seekers. Here’s what to know about these scams. How the scams play out There are several variations in job scams. Here are the most common: Bogus job listing. There’s a Help Wanted ad for a dream job. The eager job-seeker

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Step 3 of 12 to Financial Wellness: Pay Down Debt

You’ve tracked your spending, designed a budget for your monthly expenses, and you’re on a path to financial wellness. In this next step, you’ll create a plan for paying down debt. Consumer debt can be one of the biggest challenges to financial wellness. With some intentional action and commitment, reaching true financial wellness is possible.

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The Best Way to Spend Your Paycheck

Everyone loves payday, but too many employees don’t know how to allocate their paycheck in a way that best serves their financial needs. Use the tips outlined below to learn how to manage your paycheck responsibly. Automatically Deduct Contributions Your first step in managing your paycheck is making sure you are deducting the optimal amounts.

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$12,500 Donated to United Way of Tuscarawas County

DoverPhila Federal Credit Union partnered with Elan in their Across the Country Charitable Giving program to donate $12,500 to United Way of Tuscarawas County. The gift funded emergency utility assistance (natural gas, electricity, and fuel oil) to over 80 low-income households affecting over 240 individuals. Of Elan’s 250+ active credit union partners, 50 were randomly

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Join DoverPhila in Celebrating Youth – “Save Small. Dream Big.”

Financial literacy is a crucial life skill for young people, but it is one that too few are learning. As a credit union, one of our founding principles is concern for community. We believe financially prepared youth is one way communities get stronger, and that is why from April 18 through April 23, DoverPhila Federal

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How to Prepare Your Home for Spring

Winter is on its way out, so spring is on its way in. That means it is time to stop hibernating and get your home ready for the season! Here’s how to do that in just five easy steps: Step 1: CLEAN YOUR YARD Rake up all leaves, loose twigs, and anything else your yard

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Step 2 of 12 to Financial Wellness: Creating a Budget

Now that you’ve tracked your spending and kept a careful record of where your money goes over the course of a month, you’re ready to move onto the next financial wellness step: creating a budget. Budgets play a crucial role in promoting financial awareness, which leads to more responsible money choices. Let’s look at how

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12 Steps to Financial Wellness-Step 1: How to Track Your Spending

Tracking your spending is the first step toward greater financial awareness and overall financial health. But, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple daily purchases? We’ve outlined how to track your spending in 3 easy steps. 1. Choose your tools. Tracing every

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Tips for ATM Safety

Using a compromised ATM can mean risking identity theft and/or having cash stolen. With this simple machine, all it takes is a few short minutes for a victim’s life to meet disaster. Here are tips to help you keep your ATM transactions secure. Keep your PIN private. Don’t share it with anyone and don’t write

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Helpful Environmentally Friendly Tips for Saving on Heating Costs

As outside temperatures fall, indoor temps and heating costs go up! And this winter may come at a higher cost. In fact, while fueling up at the gas station, you’ve seen the impact of our 6.8% inflation rate first-hand. U.S. households on natural gas heat are expected to pay 25% more than last year. Homeowners

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Identity Theft: What to Know and How to Protect Yourself

We live in an increasingly digital world. As the number of online services has exploded, so have the tribes of fraudsters who are engaging in identity theft. Cyber thieves who access one’s personally identifiable information (PII) such as birthdate, Social Security number, home address, driver’s license number, passport number, and credit card or bank account

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