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Take Charge of Your Finances!

According to most definitions, the term financial literacy refers to understanding how to effectively manage household finances, handle debt, create a budget, and build savings.

Working toward financial literacy is the foundation of your relationship with money and can set you up for a lifetime of financial health and wellness. 

The basics of financial literacy start with some definitions.

Understanding terms like interest rates, compound interest, balloon payments, secured vs. unsecured debt and other concepts help you get a working knowledge of personal finances, from understanding the steps to take to finance a car to managing consumer credit cards.

Create a debt free management plan.

A healthy financial future begins with an understanding of your current situation. Online financial calculators help you run the numbers and answer questions related to financing your home or the impact of interest on any outstanding credit card debt.

Financial literacy is about having good information at your fingertips. 

Much of that education is available online, but it’s important to tap into trusted resources

Stay informed about your credit score.

Studies show 1 in 3 Americans never check their credit report yet knowing credit history is key to financial literacy. Regularly monitoring your credit can alert you to errors, protect you from fraud, and provide important information to strengthen your credit score.

Sign up for a Demystifying Financial Counseling Webinar – April 17, at 2pm

Discover financial counseling in a webinar. Gain insights on managing private finances and explore if it’s the right fit for you.

Here at CrossPoint FCU we will help provide you with the tools and knowledge needed for financial success!