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Your Complete Year-End Financial Checklist

As 2021 draws to a close, take a moment to go through this year-end financial checklist to ensure your finances are in order before the start of the New Year. REVIEW YOUR BUDGET Is your current monthly budget working for you? Are you stretching some spending categories or finishing each month in the red? Take

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What to Expect for Holiday Shopping 2021

The holidays are coming and it’s time to hit the shops! Unfortunately, suppliers are cautioning us to expect supply shortages, shipping delays, and higher price tags. Here’s what to expect during this holiday shopping season. Supply Shortages Seen any empty store shelves recently? Suppliers are struggling to stay ahead of shopper demands while catching up

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What to Do with Your First Paycheck

What to Do with Your First PaycheckAs part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your head

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Can Missing Rent Impact Your Credit Score?

You might be one of the many Americans who are worried about making rent or possibly under the threat of being evicted. You also may be wondering how this process can impact your credit scores. While an eviction itself won’t end up on your credit report, not paying your rent on time can negatively impact your

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Preparing Financially for a New Baby

Congratulations! You’re expecting a baby and you’re breathless with excitement — and nerves. A baby means big changes, and a part of those changes is lots of new expenses. How will you pay for it all? We’ve got the tips you need to prepare financially for a new baby. Pay down debtDon’t let your debt

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Five Ways to Prepare for Your College Graduation

After four years of late-night cramming sessions, a grueling class schedule, and too many term papers to count, the big day is finally within sight. Graduation! You can hardly wait to toss your cap into the air and start making your mark in the big wide world. As you count down toward graduation, don’t forget

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Five Reasons We Overspend (and How to Overcome Them)

What makes us overspend? Let’s look at five common reasons and how we can overcome them.  1. To keep up with the JonesesWhen people who seem to be in the same financial bracket as us can afford another pair of designer shoes for each outfit, we should be able to afford them, too, right? Break

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How to Celebrate Valentine’s Day on a Budget

Here’s how to enjoy a romantic evening with your partner without going into debt: Work with a budgetWe know your partner means the world to you, but that doesn’t mean you need to spend the world proving it. Designate a budget for all your Valentine’s Day expenses — and stick to it! Use a sales

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What You Need to Know About Today’s Real Estate Market

Trends and stats in real estate are constantly changing, especially during the unstable economy of COVID-19. Here’s what you need about the real estate market today. Is it a buyer’s market now? Pickings are slim for homebuyers right now, giving sellers the upper hand and driving up prices for buyers. Low supply also means homes are

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Tracking Holiday Spending Keeps Season Stress Down

The holidays will look different this year because of the COVID-19 pandemic, which is why most people will try harder to make the season brighter. But you don’t have to dip into the kids’ college savings to create a special time! The most important thing to remember is a plan with a set spending amount

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Managing Holiday Expenses

It’s supposed to be the most wonderful time of the year; but for many, the holidays can be an expensive time. From gifts to decorations to wrapping paper to special events, it’s easy to overspend and possibly even go into debt paying for all the extras. In 2019, Forbes reported on a Gallop poll showing

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Five Ways to Trim Your Fixed Expenses

When trying to trim a monthly budget, most people don’t even consider their fixed expenses; however, with just a bit of effort and research, most of these costs can be reduced. 1. Consider a refinanceTrim your mortgage payments by refinancing at a lower interest rate. It will cost a bit, but you can roll closing

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When Does It Make Sense to Pay a Bill with a Credit Card

Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them? Choosing to pay a bill with a card can have a significant impact on your general financial wellness. It’s important to consider the many variables of this decision before going ahead with it. Let’s inspect

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The Beginner’s Guide to Filling Out a W-4

It’s no secret that the IRS excels at making things complicated. And when you’re busy learning the ropes of a new job, trying to fill out a 4-page W-4 form can be a huge hassle. It’s not a good idea to rush through it, though, because a small mistake now can mean withholding too much

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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

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Why Does Credit Score Matter?

Your credit score is an indicator of your financial wellness and responsibility. We have outlined how credit scores are calculated, why it matters, and steps to take to improve your score. How is my credit score calculated?The three major credit bureaus in the U.S. collect and share information on a person’s credit usage with potential

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Is It a Good Idea to Open a HELOC Now?

If you’re looking to fund a home improvement project, or the economic devastation of COVID-19 has left you in need of cash, consider tapping into your home’s equity with a home equity line of credit, or a HELOC. WHAT IS A HELOC?A HELOC is a revolving credit line allowing homeowners to borrow money against the

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How to Dispute and Pay for Large Medical Bills

Astronomical medical bills can be devastating to any budget. Here’s how to dispute and pay for large medical bills in five easy steps. Step 1: Review your bills.Typically, you’ll receive an Explanation of Benefits (EOB) from your insurance company in addition to the actual bill telling you how much you’re responsible for paying. It’s important

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