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When a Bargain is Not a Bargain

Not every bargain is a bargain. Unfortunately, it can be hard to spot the bogus bargains from genuine finds. Here are five times when a bargain is not one. When you had not planned to buy the item. If you find a new home speaker system marked down from $399 to $249, you just scored

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Five Ways to Spring Clean Your Savings

It is that time of year again: Time to clean out those closets, polish that furniture, and clear out that clutter! Spring is also the perfect time of year to review your saving habits and spruce up your saving goals. Here is how to spring-clean your savings in five simple steps. Assess your saving habits.

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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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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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Diversify Your Savings Portfolio

You should diversify your savings portfolio just like your investments. Financial experts recommend giving your savings as much chance as growth as possible. Here’s a look at a great choice for diversifying your savings: a certificate account. What is a certificate account?A certificate account is an insured savings account with a fixed dividend rate and

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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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What to Buy and What to Skip in January

January begins with a bang, but there are no major shopping holidays once the new year begins. Of course, you can still pick up great bargains this month or find that you’ve overpaid for something when its price drops right after you’ve purchased it. Here’s what to buy and what to skip in January. Buy:

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Step 12 of 12 to Financial Wellness – Review & Tweak

Congratulations! You’ve reached the 12th and final step of the 12 steps to financial wellness. Here, we’ll review the previous actions and adjust this part of your financial health plan as necessary.  Step 1: Track your spendingAre you regularly tracking your spending? Knowing where your money is going will help you make more responsible spending

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Step 11 of 12 to Financial Wellness – Start Investing

The world of investing can be confusing, especially for a first-timer. No worries, though; DoverPhila Federal Credit Union can help! Here’s how to invest in five easy steps. Step 1: Define your tolerance for risk  If you’re investing, be prepared for potential losses because there are no sure things. But how much loss can you

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Last-Minute Holiday Hacks

The holidays are nipping at your heels and there’s still a lot to do! It probably seems like your stress levels keep rising while the money in your wallet keeps dwindling. It doesn’t have to be this way. With a bit of planning, you can enjoy a stress-free and affordable holiday season. Not buying what

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What to Buy and What to Skip in December

Whether you’re finishing up your holiday shopping or looking for year-end bargains in any category this month, here’s what to buy and what to skip in December.    Buy: ElectronicsLots of retailers keep the leftovers from November’s sales marked down through December. Look for discounted electronics at big box stores, online retailers, and directly from

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How to Budget in Times of Inflation

Sticking to a budget during times of high inflation is challenging—but not impossible. Here are five ways to help make it happen: Plan Your Grocery PurchasesFirst, shop your pantry and fridge before hitting the store. You may not remember what you have at home, so a quick scan can help you stick to purchasing only

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What to Buy and What to Skip in November

The biggest shopping month of the year is here! Before you charge up a storm, though, remember that not all “Black Friday Deals” are really worthy of the label. Here’s what to buy and what to skip in November.  Buy: Headphones & Audio Gear Tune into your favorite holiday jams with a pair of state-of-the-art

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Step 10 of 12 to Financial Wellness – Plan for Retirement

It’s never too early—or too late—to plan for your retirement. However, the more time you allow for your savings to grow, the bigger the nest egg you’ll have when it’s time to cash in.  Here’s how to get started on planning your retirement. Set a Target Number First, determine how much you’ll need to have

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Step 9 of 12 of Financial Wellness—Build & Maintain Excellent Credit Score

Your credit score is vital to your financial health. This number measures your money management skills, credit capacity and fiscal responsibility. An excellent credit score can open the door to large loans and with better interest rates, as well as employment opportunities and more.  Let’s explore the best ways to build and maintain an excellent

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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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Holiday Closure: All DoverPhila locations will be closed Wednesday, June 19, for Juneteenth (a federal holiday).

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