not delete

Our latest news, most popular posts,
and an archive of credit union information.

What can we help you find?

Complete Guide to Using Credit Cards

Using credit cards responsibly is a great way to boost credit score and financial wellness. Unfortunately, though, credit-card issuers make it challenging to stay ahead of monthly payments and easy to fall into debt with credit-card purchases. No worries, though; DoverPhila Federal Credit Union is here to help! Here is what you need to know

Read More »

Step 10 of 12 Towards Financial Freedom: Make It Automatic

Now that you’re maximizing your payments toward the debt you’ve prioritized, make sure it happens by automating your payments. Set up an automatic transfer in your designated amount from your checking account or your savings account to that debt each month, and it will be well on its way to disappearing! Need help? Meet with

Read More »

Help! I Overspent on Christmas!

It’s easy to go overboard for Christmas. Giving extravagant gifts to your family members seems like a great idea … until you’re facing a huge credit card bill in January. However, it happened, approach this problem rationally. Blaming yourself is pointless; the important thing now is to right yourself financially. Fortunately, you’re not facing this

Read More »

Step 8 of 12 Towards Financial Freedom: Boost Your Income

Increase your income this month to help you pay down debt. There are a handful of practical ways to accomplish this. For instance, consider asking for a raise or promotion at your current workplace or seeking employment elsewhere if you feel you’ve reached your maximum earning potential at the company. You can also freelance for

Read More »

Step 7 of 12 Towards Financial Freedom: Create A Debt Snowball

You’ve organized your debt, you’ve set up an emergency fund, and you’re working on spending less. You’re now ready to start getting rid of that debt — for good! Choose the debt you’d like to pay down first. Financial experts typically suggest starting from the smallest debt and working your way up. You can also

Read More »

Step 6 of 12 Towards Financial Freedom: Trim Expenses

If you’ve been following our Financial Freedom series, then you know that last month we focused on creating a budget. Now that we have a budget, let’s slim it down! You’ve already practiced spending less thanks to Step #2 in this series. Now, it’s time to get serious about it. Take a long, hard look at the

Read More »

Step 2 of 12 Towards Financial Freedom: Don’t Dig Yourself Deeper

When you’ve dug yourself deep into a pit, the only way to get out is to stop digging. This month, focus on not racking up more debt. Stop using your credit cards. Skip your weekly trips that usually have you buying too many non-essentials. Instead, start brown-bagging your work lunch and brewing your own coffee.

Read More »

Step 1 of 12 Towards Financial Freedom: Take Stock of Your Debt

You’re determined that this will be the year you finally pay down (or pay off) that debt. Get ready, because every month, our Financial Freedom plan will have you taking another step on your journey toward living a debt-free life. First, sit down and take stock of all your debts. Don’t let the numbers scare

Read More »

Five Ways to Pay Off a Loan Early

If you’re like most Americans, you owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name, or making car loan payments each month – loan debt is part of your life. It can all get kind of depressing—but it doesn’t have

Read More »
Scroll to Top
On Line-On Time® Home
Banking & Bill Pay Login