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AFCU & You Blog

The Aerospace Federal Credit Union cares about you and your financial well being! That's why we offer the Financial Resource Center powered by the Credit Union National Association (CUNA). The “FRC” is a one stop shop of financial insights with a wide range of articles, videos and quizzes to help you understand and plan your financial future. Topics include:

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From first cars to college, children have large expenses on the horizon. Get tips to help them be prepared.

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Learn about the full cost of buying and owning a vehicle and see what your best options are for financing.

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Find dozens of articles from understanding credit scores, to credit safety.

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Great ideas on how to budget and reach your saving goals.

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Learn what you can do today to make your retirement a reality tomorrow.

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An extensive resource to help you analyze where you are financially and see how to get where you want to be.

Housing
Things to consider whether you are looking to buy or sell a home.

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Know what to lookout for. Learn the latest tactics in fraud and how to protect yourself.

Credit Union Difference
See how credit unions are unique and why more people are making the switch to CUs.

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The Home & Family Financial Resource Center information is provided by Credit Union National Association (CUNA) as a service to AFCU members. AFCU is not liable for decisions or consequences of decisions made by members. Consult your tax advisor for decisions affecting your tax status.

If you love giving gifts to your family and friends, it can be hard to not overspend during the holiday season. Even those who are good about staying on budget all year end up splurging a little too much when it comes to gift giving. But sticking to your holiday budget doesn’t have to be hard. It’s all about planning ahead. Here are five quick tips for sticking to your holiday shopping budget this year.

Tip 1: Make a List for Everything

Lists are an important part of keeping your finances organized any time of year, but especially during the holidays. Make separate lists for holiday food, decorations, and gift costs. Keeping a list of all your potential expenses will help you to prioritize your holiday expenses. Purchase the items high on your list, then check them off, and see how much money you have left to spend on the remaining items.

Tip 2: Only Spend Cash

If you tend to purchase your gifts in a store rather than online, try using only cash to do your holiday shopping. It is much easier to overspend when you’re using a credit card. Using cash to make your holiday purchases helps you to clearly see exactly how much you’ve spent and how much is left in your budget.

Tip 3: Take Time to Find Deals

Start comparison shopping before the holidays even start. If you don’t know how much a product normally costs, how will you know if you’re getting a good deal on for Black Friday? It’s important to take time to find deals. Don’t be afraid to return an item to the store if a better discount for the same item comes along.

Tip 4: Cut Back Your Giving

Although the holidays are the time for giving, you shouldn’t put yourself in financial hardship over them. Keep your gift-giving list short. If your budget is tight, you may have to skip the office gift exchange or skip mailing greeting cards. It may not be what you want to do but come January your finances will thank you.

Tip 5: Set Expectations Ahead of Time

If you tell your family and friends about your holiday budget, they will likely understand; they are probably all on a budget too. Working together you may even be able to save each other money by going in on gifts together or by agreeing to not purchase each other gifts.

This article originally appeared on resourcecenter.cuna.org

Get ready for the upcoming holiday shopping season by making sure you have the credit card with the best rewards!

Use your Aerospace Federal Credit Union Platinum Visa® Credit Card to earn more rewards than we've ever offered! Between November 22, 2018 (Thanksgiving) through November 26, 2018 (Cyber Monday) earn 5% Cash Back or 5 CU Rewards Points per $1 spent on ALL PURCHASES. That includes November 23 (Black Friday), the biggest shopping day of the year! AFCU Visa cardholders will also earn 3% Cash Back or 3 CU Rewards Points per $1 spent on ALL PURCHASES between November 27, 2018 through December 31, 2018. Your friends at AFCU want you to treat yourself while treating others!

If you don't have an AFCU Platinum Visa Credit Card yet, apply for one now so you are ready when the shopping frenzy begins!

You can also transfer your balance from another credit card to a new or existing AFCU credit card and earn a 2% cash rebate of the balance amount transferred.

Apply Now

Balance Transfer

Features of our Platinum Visa CASH BACK Credit Card:

  • Earn 5% cash back on ALL purchases Nov. 22, 2018 — Nov. 26, 2018
  • Earn 3% cash back on ALL purchases Nov. 27, 2018 — Dec. 31, 2018
  • Earn 2% cash back on ALL purchases all other 2018 dates
  • Variable rates starting as low as 6.65% APR*

Features of our Platinum Visa REWARDS Credit Card:

  • Earn 5 points per $1 spent on ALL purchases Nov. 22, 2018 — Nov. 26, 2018
  • Earn 3 points per $1.00 spent on ALL purchases Nov. 27, 2018 — Dec. 31, 2018
  • Earn 2 points per $1.00 spent on ALL purchases all other 2018 dates
  • Fixed rate of 10.9% APR*

BOTH cards offer the following extra benefits:

  • No Annual Fees
  • No International Use Fees
  • No Cash Advance Fees
  • No Balance Transfer Fees
  • Credit Limits up to $20,000
  • $100,000 Travel Accident Insurance Coverage
  • 25 Day Grace Period for Purchases
  • 24-hour Customer Service and Lost/Stolen Reporting

 

*APR = Annual Percentage Rate. Holiday Shopping Rewards offer is good on ALL purchases made on November 22, 2018 through December 31, 2018. Bonus Rewards are for AFCU Platinum Visa® Credit Cards only and are subject to change at any time without notice.

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The information provided by Aerospace Federal Credit Union is for informational purposes only and does not constitute personal financial, investment, or tax advice. For advice on your particular financial situation, you should consult with your personal financial, investment, and/or tax advisors. The opinions and statements of authors and commenters on this Blog are not the opinions or statements of the Credit Union or the Board of Directors, and the Credit Union takes no responsibility for their content.