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Organize Your Finances for the New Year

A new year brings a chance to start fresh with just about anything. If your midnight toast includes a resolution to improve your financial health and organize your finances, here’s how to make it happen.

Get on a budget

To get ahead, it’s important to know where you stand and to create a plan with realistic goals such as a comfortable retirement, education and home ownership. Budgeting may sound old-school, but it’s still one of the best ways to accomplish this. Start by totaling your income and subtracting your monthly expenses for a quick financial snapshot. Then set goals, reduce unnecessary spending and, if the situation calls for it, explore ways to increase your income.

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Thanksgiving & Holiday Hours

Advantage Federal Credit Union Thanksgiving & Holiday Hours 2016

Thursday, November 24th-CLOSED
Friday, November 25th-CLOSED at 3pm
Saturday, December 24th – REGULAR Hours
Saturday, December 31st – REGULAR Hours

RIT Location-Please note RIT Location will be CLOSED:

November 24th -November 26th- CLOSED
December 23rd-CLOSED at 2pm
December 26th-January 2nd – CLOSED

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Freshman Banking 101: Checking Accounts

Freshman Banking 101: Checking Accounts

Posted by Nerdwallet.com on September 14, 2016 by Juan Castillo

The road to a college degree isn’t just about learning in the classroom. It’s about learning life skills, too, like managing your money.

If you’re off to college and just opened your first checking account, you’ll enjoy the convenience it offers. Checking accounts can be handy for paying the monthly rent and for everyday expenses like groceries and all the ramen noodles you can eat. But with easy access to your money comes responsibility, like avoiding expensive bank fees when your account balance dips below zero.

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ATTENTION: Please note Advantage FCU would not ask any personal or account information via text or email. If you receive a notification claiming to be from Advantage FCU, please do not give out any information

Advantage Federal Credit Union has recently received calls reporting that people have received text messages or pages on cell phones in a fraudulent attempt to gain personal information in regards to their debit card.

Advantage is confident that no member information has been compromised. Many of those who have called us to report this incident have never been members of the credit union, therefore the data could not have been obtained from any credit union files. This appears to be a scam involving random phone numbers which were somehow obtained by fraudsters.

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Thank you!!! 2nd Annual Rochester City School Supply Drive

School Supplies

Advantage Federal Credit Union has teamed up with Radio 95.1, Kiss 106.7 and 100.5 The Drive for the 2nd Annual Rochester City School Supply Drive.

Please join us to help prepare Rochester City students for another successful school year and donate supplies today at any of our eight branches!

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How to fix your bad money habits

Posted on July 21, 2016 by Jennifer Clark by SavingAdvice.com

They say it takes about 21 days to create a habit, whether good or bad. Once you start feeding into bad money habits, it can be harder to be financially responsible and become increasingly easier to continue splurging. If you feel your bad money habits are getting you down, don’t worry; there is hope for you.

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30 Money Mistakes You’re Probably Making This Summer

Posted by GoBankingRates by Cameron Huddleston on July 24,2016

Summer is a time to cut loose and have fun. But, if you’re not careful, that fun can lead to overspending, failing to keep tabs on your finances and making money mistakes due to distractions.

You certainly don’t want to be paying for those mistakes the rest of the year. So, to maintain your financial well-being while enjoying all that summer has to offer, avoid making these money mistakes in the coming months.

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5 Places to Travel While the U.S. Dollar Is Strong

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Posted by Aol.Finance by Nick Wharton

Travel isn’t cheap, but when the dollar is 15%–55% stronger against other currencies than it has been in over a decade, now is the time to travel! Not everywhere is a good value at this time. Some other currencies are flourishing just like the USD, so if you want to find strong-dollar discounts, you have to know where to look. Here are five amazing places to visit that are far less expensive than they have been in a recent five-year history thanks to a strong U.S. dollar.

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4 Smart Places to Put Your Short-Term Savings

Refinancing

Published by Finance by Aol.com by Louis De Nicola

Short-term savings often take the form of an emergency fund — the three to six months’ worth of living expenses everyone should have in case of a layoff, family crisis, medical emergency or other misfortune. Savings can also be set aside for short-term goals or expenses that may come up in the next one to three years, such as a vacation, renovations or a car.

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