Four Fabulous Financial Resolutions for 2013!
This year, I resolve to:
1)… avoid being charged fees, where possible.
This includes fees for using competitor ATM fees, being late with payments and incurring other unnecessary account fees. In addition, I will no longer be charged for writing more than “x” number of checks a month or falling below a certain balance at my financial institution. I will stay atop of my financial situation to reduce the fees I’ve been paying and if I’m not a Member already, I’ll switch to a credit union.
2)… switch my loans over to a credit union loan.
I will definitely save money by receiving a lower rate, better terms, etc.
3)… contribute to a savings account.
Building an emergency fund has become a necessity in these years of economic uncertainty. I will contribute the maximum of what I can afford to spare to an emergency fund. My goal is to build up a 6-month cash reserve to protect my family in the event of an unforeseen emergency.
4)… officially and legally plan my estate, to protect my heirs.
If I do not legally arrange my estate matters, my heirs could face financial turmoil. Therefore, I will have a legal will drawn and signed and will consider further protections such as a living will and a power of attorney.
Purina Credit Union wishes all its Members a very happy and prosperous New Year!