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12 Steps to Financial Wellness Step 8: Know When & How to Indulge

Living a life of financial wellness means being happy with a lifestyle that’s within your means, but doesn’t leave you feeling like you’re lacking. At the same time, financial wellness means discipline governs money choices and not by emotion. So how do you balance the two? Here’s how to indulge responsibly.  Live with a BudgetTo

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What to Buy and What to Skip in September

Get ready for big savings on big-ticket items this September! Retailers want to bring the crowds back after the big back-to-school storm has passed, and to clear the shelves before the holiday season blows in. All that, plus the Labor Day sales, means big savings in September—but not on everything. Here’s what to buy and

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Cash, Credit, or Debit – How Should You Pay?

When paying for everyday and occasional purchases, some purchases should be paid for with cash, some with a credit card, and others with a debit card. Let’s inspect each method and when you should use them. When should you use cash?Some retailers offer discounts for paying in cash, making it the wise go-to. Also, if

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What to Buy and What to Skip in August

Independence Day sales are over and Labor Day is a month away, but you can still find great deals in August. Here’s what to buy and what to skip this month.  Buy: Back-to-School Supplies Look for weekly deals on school and office supplies at big-box stores, pharmacies and e-tailers this month. Think beyond school—you can

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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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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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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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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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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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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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How Can You Replenish a Savings Account That’s Been Wiped Clean?

Using emergency funds to survive prolonged unemployment, an unexpected large expense, or a medical emergency is the best way to make it through financial hardship. If your savings are depleted, though, it’s best to start rebuilding as soon as possible. Here’s how: SET A GOALBefore getting started on saving up money, establish a tangible goal.

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Eight Ways to Beat Holiday Stress

‘Tis the season to be merry-except sometimes, it’s not. If you tend to feel stressed when the holidays roll around, here are eight tips to help turn that frown upside down. 1. Watch the buck Nothing kills the holiday cheer like a mountain of debt. Stick to a budget when doing your holiday shopping and

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DoverPhila Offers Holiday Skip-A-Pay to Qualified Members

DoverPhila Federal Credit Union’s Holiday Skip-A-Pay has started and runs until the end of January 2020. You might qualify for this opportunity if you have made at least twelve full monthly payments on your loan, you have not exceeded the maximum skips allowed, and your account is in good standing. Holiday Sip-A-Pay allowance is determined

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What to Buy and What to Skip This Black Friday

It’s the bargain-hunter’s favorite season-or is it? Before you brave the crowds Black Friday, take a few minutes to read through our list of what to buy and what to skip so you come home only with true bargains. Skip: Large Home AppliancesWhile you may find markdowns on large household appliances, like dishwashers and refrigerators,

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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

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What to Buy and What to Skip on Memorial Day

Since 1971, Memorial Day has been celebrated as an extended weekend away from work and the unofficial start of summer. More recently, Memorial Day has also turned into a second Black Friday for retailers and shoppers. There are loads of sale events in stores and online, and each guarantees to save you heaps of money.

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Cash Flow Budgeting: A Fast, Flexible Way to Fix Your Finances

You’ve heard it from a million places: Budget your money! Make a firm plan and stick with it. It’s the pathway to prosperity! For many people, though, that advice just doesn’t resonate. They feel constricted by a budget. Keeping cash in separate envelopes makes them feel like they can’t have a life. It takes too much planning and

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Back-To-School Shopping Hacks

Between new backpacks, textbooks, a long list of supplies and a fresh autumn wardrobe, most parents are looking at a bill of close to $700 for school-related expenses this season. Be proactive and save big! Read on for our handy list of back-to-school shopping hacks that will help you keep more money in your wallet. 

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