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How to Save When You’re Barely Making It Through the Month

For individuals grappling with financial challenges, the idea of saving money can seem like an unattainable luxury. However, neglecting your savings when the going gets tough can make things even more difficult down the line. Here is why you should continue saving through financially challenging times and practical steps for making it happen. THE WHY

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Website Safety: Ways to Tell If a Website is Fraudulent

The web is rife with scammers employing sophisticated tactics to get at your money and information. Fortunately, with protective measures, you can easily avoid unsafe websites. Here are ways to tell if a website is safe. Look for an SSL certificate.  Secure websites have a Secure Sockets Layer (SSL). An SSL is a digital certificate

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Prepare for Tax Season

GATHER YOUR INFORMATION The first step in prepping for tax season is to gather all the necessary documents. Depending on your personal circumstances, these can include: W-2 forms 1099 forms Receipts and invoices Mortgage and loan documents Investment statements Business income and expenses Other miscellaneous income ORGANIZE YOUR FINANCES Store all your documents and receipts

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DoverPhila Gives Back to Members & the Community

Following another successful year, DoverPhila Federal Credit Union gave back a $400,000 year-end bonus dividend* to its members on January 1, 2024. This marks the 29th year in a row that the credit union returned significant earnings to its members. DoverPhila’s financial success was also shared with its members through other fiscal opportunities, such as

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DoverPhila Wraps Up Kindness Campaign

DoverPhila celebrated its 70th anniversary with a Kindness Campaign that encouraged giving back to the Tuscarawas County community. The Kindness Campaign kicked off in August 2023 with food trucks at all full-service locations. The campaign continued with volunteerism, giveaways, supply drives, sponsorships, donations, and more to show gratitude for the community’s support of DoverPhila Federal

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Holiday Budgeting 101

It’s easy to get caught up in the magic of holiday spending. But if you rely on credit to make holiday wishes a reality, the magic often falls flat when your bills come due. Take the time to create a holiday budget and avoid a post-holiday spending hangover. BE REALISTICSetting a realistic but firm budget

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Best Practices for Using a Credit Card

By adequately managing a credit card, you can earn rewards and build your credit score while making regular purchases. GET THE RIGHT CARDThe first step to best using a credit card is to get the right one. That means doing your research. It would help if you considered your spending habits and priorities regarding rewards.

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Beware of Third-Party App Scams

Everyone loves the convenience of payment apps – and scammers do, too. Scammers are experts at hijacking our favorite conveniences for their schemes, and third-party app scams are no exception. Let’s look at scams that con the victim into downloading a bogus payment app and how to protect yourself. HOW THESE SCAMS PLAY OUTVictims of

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Should You Use Cash, Debit, or Credit While Traveling?

Traveling doesn’t come cheap, and part of keeping your finances intact during vacation includes knowing the best way to pay for your purchases during your getaway. Should you primarily use cash, debit, or credit cards? Let’s look at the pros and cons of each choice so you can make an informed decision during your vacation.

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Debt Collection Scam

Debt-collection scams exploit the feelings of helplessness and overwhelm to lure victims. Let’s look at these scams and how to avoid falling victim. HOW THE SCAMS PLAY OUT In a debt-collection scam, a scammer posing as a debt collector will call a victim to demand payment for an outstanding debt. The caller insists on a

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Beware of Phantom Hacker Scam

According to the FBI, a Phantom Hacker Scam tricks people by using pop-ups, text, or email to get the person’s attention, then claims to be from a legitimate agency. They then warn the person that their financial information has been hacked. The pop-up, text, or email indicate they must talk to protect their device and

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DoverPhila Celebrates 70 Years with Kindness Campaign

DoverPhila Federal Credit Union is celebrating 70 years of service with a Kindness Campaign scheduled for August 1st until the end of the year. The campaign aligns with the credit union’s philosophy of “people helping people.” Nearly 100 credit union employees are volunteering their time throughout the Tuscarawas County community by working at the local

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Your Complete Guide to a Spend-Free Summer Weekend

Between flip-flops and baseball, beach days and the Fourth of July, there’s much to love about summer! Unfortunately, the warmest season can be expensive. A great way to combat a swollen summer budget is to take a financial fast on a summer weekend—or several of them. Here’s how.  Plan ahead. Your spend-free weekend won’t happen

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Not So Great Popular Money Tips

Money tips can be helpful, but it’s important to remember that not all advice is created equal. Let’s look at three common money tips that aren’t as great as their claim. 1: The latte factor. The claim: Cutting out your daily latte will solve all your money problems. The truth: Trimming discretionary expenses will only

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Money and Mental Health

For many, mentioning the word “money” sparks stress and anxiety. At the same time, living a financially responsible life can help one maintain optimal mental health. With May being Mental Health Awareness Month, this is the perfect time to examine the connection between money and mental health. HOW DO FINANCIAL STRUGGLES IMPACT MENTAL HEALTH? There

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Does Good Debt Exist?

Despite its bad rap, not all debt is bad debt. Some are actually beneficial for the debtor and considered “good debt.” Here’s a look at the factors defining good debt, the various types of good debt, and how to keep debt from going bad. WHAT IS GOOD DEBT? Good debt helps you build wealth or

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Join Us for Youth Week!

Financial literacy is a critical component of financial wellness. It is the ability to understand and use financial skills, including responsible money management, budgeting, saving and investing for the future, and is a crucial life skill that too few are learning. As a credit union, one of our founding principles concerns our community. We believe

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All You Need to Know About Credit Card Fraud & How to Protect Yourself

With the advent of online commerce, credit and debit card fraud has exploded. Unfortunately, credit card fraud can go unnoticed until it causes severe damage. Here, we’ve outlined what you need to know about credit and debit card fraud, how to protect yourself, and what to do when you’re targeted. What is credit card fraud?

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The Post-Holiday Guide to Budget Recovery

The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track. Review your holiday spendingHow much debt did this season’s spending set you back? Spend some time crunching the numbers,

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