You’ve made a budget. You’ve stuck to your budget. And you’ve finally managed to have money left over at the end of every month. Congratulations! Now comes the tricky part: what to do with that extra cash?
Soon Halloween will arrive and, days after, retail stores will immediately change displays and advertising over to winter holidays. The average consumer spends around $1,000 during the holiday season, according to the National Retail Federation. Perhaps COVID-19 has changed your financial situation this year. Now is a great time for families to think about saving up before the winter holidays.
Making a budget can be intimidating. Sticking to it can feel impossible. But a budget simply tells your money where to go. So if you’ve ever uttered the phrase, “Where does all our money go?”, here are 4 steps — and a few tips — for making and sticking to a budget.
Both NerdWallet™* and Kiplinger** have rated LMCU's Prime Platinum Visa one of the best low ongoing interest rate credit cards in the nation.
From changes to our normal policies to special loan offerings, here are a handful of ways we’re here to help.
Right now, we could all use a little extra. With 3% Max Checking, you can earn up to nearly $450* extra every year in interest.
NerdWalletTM recently ranked our Prime Platinum the best low–rate card in the country.**** With an interest rate as low as prime + 3.00% (7.75% APR†), plus no annual fee, it’s the ideal card if you carry a month-to-month balance, or want to consolidate high-interest debt.
Earn nearly $450 extra every year with our 3% Max Checking account. That’s like 12 extra boxes of chocolate. Eight extra, extra-large teddy bears. Or 132 extra roses for that extra special someone this Valentine’s Day.
And with no fees, no minimum balance required, and no hassle opening your account, that extra spending cash will pile up faster than the half-eaten coconut-filled chocolates nobody likes. Learn more or open an account at LMCU.org/MaxChecking.
With a home equity fixed-rate loan starting at 4.49% APR*, you can consolidate high-interest debt–like credit cards and student loans— into one low monthly payment. You could save hundreds every month, equating to thousands in savings over the lifetime of the loan.
NerdWallet™ recently ranked our Prime Platinum the best low ongoing interest card in the country.* With an interest rate as low as prime + 3.00% (7.75% APR**), plus no annual fee, it’s the ideal card if you carry a month-to-month balance, or want to consolidate high-interest debt.
