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MSCU Talks

Financial Advice & Conversation from Member Savings CU Coaches & Friends

National #DingFreeDay!

National #DingFreeDay!

April 22nd 2016

Do you ever find yourself on the go and needing cash? Are you sick of getting hit with the $2 service charge from some of the big banks just for withdrawing your money?  Fear no more! 

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My Experience Buying our First Home

My Experience Buying our First Home

April 15th 2016

If you are like me, in your mid to late twenties, trying to save for your first home, you will understand how hard this can be. How do people do it?

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Part 8 - You have the plan & tools - now get going!

Part 8 - You have the plan & tools - now get going!

April 5th 2016

Now you have your goal in sight and you’ve started on your plan to achieving that goal – now what? Get that plan into action!

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Part 7 - Separate your Money

Part 7 - Separate your Money

March 23rd 2016

One of the best strategies that I have used for over 30 years to help keep me on budget, is to divvy up my money into separate accounts.

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Part 6 - Kick Start your Plan

Part 6 - Kick Start your Plan

March 16th 2016

You know when you go on a diet and lose those first 5 to 10 pounds? This then becomes the motivation you need to stick with your plan and lose even more weight? There is nothing better than acting on your plan and seeing actual results. Use this same analogy to kick-start your financial plan.  

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Part 5 - Making Tough Financial Decisions

Part 5 - Making Tough Financial Decisions

March 8th 2016

If your goal is to improve your cash flow so that you can simply afford your monthly expenses, there are some hard decisions you have to make.  If you have gone through the process of looking at all of your expenses to eliminate or reduce them, you are off to a good start.  

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Part 4 - Improve your Cash Flow

Part 4 - Improve your Cash Flow

February 24th 2016

You are not alone if you have a cash flow deficit.  In other words, your expenses exceed your take home pay - don’t give up at this point!  There are several ways to improve your cash flow...

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Part 3 - Putting your Plan into Action

Part 3 - Putting your Plan into Action

February 18th 2016

My previous Blog was all about setting goals.  Now that you’ve done that, it’s time to put a plan in place.  You will need to review your finances so that a budget can be created.  Now don’t cringe at the word “budget”. Remember your goal and focus on that. Just like the road trip analogy, you can't get from A to B without a plan!

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Part 2 - Developing a Financial Plan

Part 2 - Developing a Financial Plan

February 9th 2016

What does “Financial Wellness” mean to you? Does it mean being debt free?  Having enough cash flow to meet your monthly expenses?  It might mean owning a home or having substantial savings.  Simply put, financial wellness is different for everyone but starts with defining your goals then developing a plan in order to achieve them.

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Financial Wellness

Financial Wellness

February 1st 2016

Many of you have made your New Year’s resolutions and have started to execute your plans for 2016.  Improving one’s health is usually top of the list and we tend to focus on improving our diet, losing weight and starting a fitness regime.

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