Home Equity Loans: 5 Things to Know

Investing 101 Guide Book

Beginning investing can be scary. Let this Investing 101 Guide Book help you learn your way around growing your money.

Debit or Credit Card – What’s the Difference?

When it comes to making purchases, not all plastic acts the same.

Rising Interest Rate Environment Affects the Economy

Rising Interest Rate Environment Affects the Economy

What is a Home Equity Loan?

What is a Home Equity Loan?

Cost-Cutting Travel Tips to Bring Together Faraway Friends

Cost-Cutting Travel Tips to Bring Together Faraway Friends

Spring Break on a Budget

Spring Break on a Budget

5 Survival Strategies for Camping on a Budget

5 Survival Strategies for Camping on a Budget

Short-Term Saving Tips for Summer Vacation

Short-Term Saving Tips for Summer Vacation

With summer drawing closer, your vacation may arrive before you’ve got the money to pay for it. But there are some quick changes you can make now to save or raise money for your trip.

Best Ways to Fund Spring Home Repairs

Now that spring has blossomed into full-on allergy mode, the time we spend outside is even more appreciated — especially with the help of a good antihistamine.

How to Give Your Finances a Spring Cleaning

8 Dealer Add-Ons You Should Always Avoid

8 Dealer Add-Ons You Should Always Avoid

At What Price, Love?

Did you know that the average American spends almost $96.00 on their cat for Valentine's Day? Check out this infographic to see how your sweetheart-day spending compares.

Getting Your First Job

Quick – Can You Come Up With $400?

Quick – Can You Come Up With $400?

Life is expensive: Find yourself in need of an ambulance, tow truck or mechanic, and a hefty bill will likely follow. And many people just can’t pay.

5 Ways Your Friendship Can Blossom on a Budget

5 Ways Your Friendship Can Blossom on a Budget

Another Saturday night has come and you are making fun plans with friends. Here's some tips on how to have a successful night - without all the extra costs.

To Reach Your Savings Goal, Take These Steps

To Reach Your Savings Goal, Take These Steps

Saving money is often easier said than done, but it doesn’t have to be difficult. Setting clear goals can motivate you to take action, focus on what’s important and steer clear of overspending.

Saving on Landscaping

Saving on Landscaping

Ready for summer gardening? Learn how to give your backyard a makeover without breaking the bank. 

Tips on Furnishing Your New Home

Tips on Furnishing Your New Home

You've bought the home - congratulations! Now you'll have to furnish it, and Education First can help you save money while you do.

How Much Money Should I Keep in My Checking Account?

How Much Money Should I Keep in My Checking Account?

How Long Does It Take to Become a Millionaire?

How Long Does It Take to Become a Millionaire?

If ‘Budget’ Sounds Like Bummer, Try Renaming It

If ‘Budget’ Sounds Like Bummer, Try Renaming It

What Are Optional Protection Plans?

What Are Optional Protection Plans?

Why Your Child Needs a Youth Account

Why Your Child Needs a Youth Account

Secret of Financial Success

Secret of Financial Success

Reallocate Your Spending

Reallocate Your Spending

Keep Record of Your Spending

Keep Record of Your Spending

Retirement vs. College

Retirement vs. College

How to Save on Mortgage Payments

How to Save on Mortgage Payments

Paying Back a Loan

Paying Back a Loan

An Exciting Goal

An Exciting Goal

How to Protect Yourself from Identity Theft

How to Protect Yourself from Identity Theft

ATM Safety

ATM Safety

4 Steps to Credit Repair

4 Steps to Credit Repair

Why You Should Get Pre-Approved for a Loan

Why You Should Get Pre-Approved for a Loan

Should I Refinance My Home?

Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage loan, often at a lower interest rate.

 

6 Ways To Save More Money In The New Year

Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver.

Why Your Child Needs a Youth Account

Why Your Child Needs a Youth Account

10 Tax Scams to Avoid

Deducting Business Travel Costs

4 Ways to Enhance Your Business Location

4 Ways to Enhance Your Business Location

Why You Should Shop Local

Why You Should Shop Local

Using the Money Envelope System

Go Paperless and Save!

Go Paperless and Save!

Cutting Costs on Health Care

Questions to Ask Before Making a Large Purchase

Mistakes First-Time Homebuyers Make

Mistakes First-Time Homebuyers Make

Paying Down Your Home Loan

Spring Cleaning Tips

Steps to an Energy Smart Home

What Happens When You Default on a Loan

ATM Safety

Saving Money While Abroad

Saving Money While Abroad

6 Habits Costing $50 or More

Protect Yourself from Identity Theft

5 Places Not to Use Your Debit Card

5 Places Not to Use Your Debit Card

8 Steps to Buying a Pre-Owned Car

Questions to Ask Before Buying a Car

Questions to Ask Before Buying a Car

Do You Need GAP Insurance?

Do You Need GAP Insurance?

Everything You Need to Know About Getting a Mortgage

First-Time Homebuyers eBook

The Ultimate Guide to Debt Consolidation

Let's face it - for many of us, getting into debt is easy and getting out of debt is hard. Perhaps that's because we don't really stop to think about the different aspects of debt and how we can fall in before we know it. This eBook is designed to help you understand how and why debt happens, and how to eliminate debt for good. 

Your Ultimate College Guide

Buying and Keeping a Car Ebook

Build A Business: From Passion to Profits

Business Loans: A Complete Guide

Why a Credit Card is a Great Addition to Your Wallet - and How to Choose One

Going from New Homeowner to Happy Home

Going from New Homeowner to Happy Home

There are a number of upcoming firsts for new homebuyers. Since you’ve just come up with a down payment, you might think your biggest hurdle of financial responsibility is over. However, that’s not the case. Check out these common homeowner situations to help you best prepare for them.

The 20% Down Payment Myth

Why Does My Mortgage Lender Need So Much Information?

Why Does My Mortgage Lender Need So Much Information?

All You Need to Know About Home Loans

All You Need to Know About Flipping Houses

All You Need to Know About Flipping Houses

In today's real estate market, home-flipping has become more popular than ever.

Preparing to Buy Your First Home

First-time homebuyer? Let’s take a look at a few guidelines to help take some of the stress out of the decision.

Amortization Basics: How Much Home Do You Own?

Here’s a guide to amortization during the life of a typical mortgage loan.

How to Get the Lowest Mortgage Refinance Rate

How to Get the Lowest Mortgage Refinance Rate

Most people refinance a home to save money, at least in the long run. If you’re contemplating making that move, it’s a good idea to verify first that it’s the most financially efficient way to achieve your goals and to ensure you’re well prepared.

9 Expenses to Pack In Your Moving Budget

Preparing for moving costs can help alleviate emotional and financial strain. Consider these less-obvious expenses.

How to Save for a Down Payment

How to Save for a Down Payment

How to Tell You’re Ready to Buy a House

How to Tell You’re Ready to Buy a House

Making the decision to become a homeowner is emotionally and financially complex. Here are some key things to ask yourself if you're considering whether buying is right for you.

10 Terms Every Homeowner Should Know

Buying a home is a common undertaking for many Americans, but it’s also one of the most complicated — not to mention costly — purchases adults will ever make.

12 Steps Towards a Debt Free Life - Part Two

12 Steps Towards a Debt Free Life - Part Two

Part two of 12 Steps Toward a Debt Free Life finishes detailing the things you can do to reduce - and eventually pay off - your debt.

12 Steps Towards a Debt Free Life - Part One

12 Steps Towards a Debt Free Life - Part One

Getting into debt is easy, getting out of debt can be an uphill battle.  This two-part article provides you with the information you need to get out debt, and stay that way.

How I Ditched Debt: Whipping Up a Payoff "Tornado"

How to Break Free of Debt Without Paying a Price Later

How to Break Free of Debt Without Paying a Price Later

Take the Next Step With Your Student Loans

3 Simple Things Anyone Can Do to Stay Out of Debt

3 Simple Things Anyone Can Do to Stay Out of Debt

With a swipe here and a swipe there, it can be easy to live your life on plastic and pile up debt. You’re not alone: U.S. households carry credit card balances that total in the billions. So what to do? 

Why Payday Loans Don’t Make Sense

When Debt Can Be Good for You – and When it’s Bad

It’s next to impossible to go through life without accruing some debt. The good news is that some loans can be healthy and even productive, which means there’s no rush to pay them off.

Why Consolidate Debt - Part 1 of 2

There are two major reasons to consider consolidation: to save money by getting a more favorable interest rate and to facilitate making payments on time.

Steer Clear of These Student Loan Scams

Steer Clear of These Student Loan Scams

Student loan repayment can be a tough pill to swallow. Scammers know this, and often play on these fears. 

8 Ways Online Retailers Push Us to Overspend

Basic Investing for Beginners

How to Bypass ATM Fees While You're on the Road

The Ultimate Smart Shoppers Cheat Sheet

The Ultimate Smart Shoppers Cheat Sheet

Smart Money: Best Moves for 20-Something Investors

Smart Money: Best Moves for 20-Something Investors

What is a Credit Union?

What is a Credit Union?

4 Ways to Get a Sale Price When There Isn't a Sale

4 Ways to Get a Sale Price When There Isn't a Sale

How to Live Below Your Means Without Feeling Deprived

How to Live Below Your Means Without Feeling Deprived

Spending less than you earn is one sure path to financial security. But that doesn’t have to mean a spartan lifestyle. You can still enjoy yourself while living small.

How Debit Card Fraud Happens – And How to Avoid It

For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt.

How to Budget When You Have Seasonal Income

How to Budget When You Have Seasonal Income

Rewarding careers don’t always come with a steady paycheck. For people who work in agriculture, construction, tax preparation, entertainment, landscaping or other types of freelance and seasonal businesses, income may vary wildly depending on the time of year.

Emotional Spending: Why Spending Feels Good

Emotional Spending: Why Spending Feels Good

Why does shopping feel good?   Let's explore the pschology of spending.  

Can Living Frugally Make You Happier Than Living Lavishly?

Can Living Frugally Make You Happier Than Living Lavishly?

Money and Divorce

Divorce is difficult, painful and fraught with emotion. Learn about the benefits of both parties working together financially.

Financial Tips for Single Parents

Financial Tips for Single Parents

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control!

Do You Need a Financial Advisor?

Benefits of Getting Life Insurance

Term Life vs. Whole Life Insurance

Setting Up Beneficiaries

Make Your Money Move at the Speed of Life

Steps to Take Before Buying a Boat

Steps to Take Before Buying a Boat

Planning a Wedding? Start With the Budget

Planning a Wedding? Start With the Budget

Budgeting for New Parents: From Day Care to College

Budgeting for New Parents: From Day Care to College

Changing Investment Strategies As You Age

Adjusting Investments for Retirement

Yes, Young Growing Families Can Save & Invest

How to Save for Retirement

How to Save for Retirement

It’s never too early to start putting away money for your future.

6 Tips for Anyone Late to the Retirement-Planning Game

6 Tips for Anyone Late to the Retirement-Planning Game

“Over the hill” surprise birthday parties can be fun. But one shock you don’t want in your 50s is the realization that you’ve completely overlooked retirement or are significantly behind where you need to be.

The Differences Between a Traditional 401 (k) and a Roth 401 (k)

An employer-sponsored 401(k) plan is often one of the most valuable parts of a job’s benefits package. Although free snacks and a generous vacation policy are great, making regular contributions to a retirement account can help ensure that your golden years are financially comfortable.

Should Women Plan Differently for Retirement?

401K Plans and Your Retirement

Does your employer offer a 401K? If so, are you contributing to it? If not, what do you do? Read this article for answers to your retirement questions.

The Should's of Retirement

We all know that we should save for retirement, and we know that there are many ways to do it - but which tools should you use? How much should you save? We break down all of the "should's" of retirement in this article.

5 Ways to Save on Vacation Transportation Costs

5 Ways to Save on Vacation Transportation Costs

How to Recognize and Protect Yourself from Scams

How to Recognize and Protect Yourself from Scams

Here at Education First, your financial wellness is our number one priority, and that includes keeping you and your money safe. To help with this, we've put together a guide on how to recognize and protect yourself from scams. 

Financial Planning In Divorce

Divorce is hard enough without adding mismanaged financial matters to the pile. Find out what you need to do ahead of time to minimize your expenses, reduce the damage to your credit and make the entire process run more smoothly.

How To Dispute and Pay For Large Medical Bills

How To Dispute and Pay For Large Medical Bills

6 Ways to Spot a Payday Loan Scam

If you've applied for a payday loan, make sure to stay vigilant against scammers. 

How to Rebound from Natural Disaster Debt

Natural disasters can uproot lives — and upend stable finances.

Why Does My Credit Score Matter?

Why Does My Credit Score Matter?

These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more.

Paying Bills with a Credit Card or Debit Card

Paying Bills with a Credit Card or Debit Card

The pros and cons of using plastic for your bills.

Raise Your Credit Score 100 Points

Understanding the Credit Card Trap

6 Big Ways Your Credit Can Affect Your Life

6 Big Ways Your Credit Can Affect Your Life

Your credit history can directly impact what you buy, where you live and even where you work.

How to Improve Your Credit Score

How to Improve Your Credit Score

Almost no one is perfect when it comes to credit scores.

9 Tips for Paying Off Your Credit Card Debt

9 Tips for Paying Off Your Credit Card Debt

Buried in credit card debt? You’re not alone.

Building a Credit Score from Scratch

Young adults starting out on their own often bump into a cold fact of financial life: Having no credit history can limit your options just as much as having bad credit does.

Credit Score Information

Having a less-than-stellar credit score can negatively affect many aspects of your life - buying a car or house, getting a credit card, applying for a job, etc.

Train Your Young Entrepreneurs

Train Your Young Entrepreneurs

Your kids may be too young to know the first thing about running a business, but that doesn’t mean they can’t learn! Teach them all about scouting a market, creating a great business model and earning money with this fun and educational activity.

How to Make Your Kid a Money Genius

5 Ways to Raise Secure, Unspoiled Kids

Teach Your Kids Virtual Shopping Smarts!

How to Save Money on Your Child's Extracurricular Activities

Extracurricular activities are wonderful for a child's development. But there's no getting around it: they can also be very expensive. 

9 Ways for Kids to Make Money

9 Ways for Kids to Make Money

11 Tips to Raise Financially Savvy Kids

Getting the Most Out of Youth Accounts

Getting the Most Out of Youth Accounts

5 Healthy Money Habits to Teach Your Kids

5 Healthy Money Habits to Teach Your Kids

Mobile Money Apps: Tech Helps Teach Kids to Save

Feeding the piggy has long been a down-homey, tried-and-true way to teach kids how to save money. But nowadays, the iconic piggy bank is getting a digital makeover.

3 Important Money Lessons for Youths

3 Important Money Lessons for Youths

Early childhood is the perfect time to share important financial lessons. Research has shown that kids form their money habits by age 7. 

8 Steps to Buying a Used Car

All You Need to Know About Buying a Used Car

Should I Take Zero Percent Financing When Buying a Car

Should I Take Zero Percent Financing When Buying a Car

Auto dealers are often touting the beneifts of zero-percent financing on a new purchase, but does it cost you more in the long run?

Car Payment Trouble? How to Turn It Around

How Safe Are "No Payments for a Year" Offers?

Refinancing Auto Loans 101

Financial Steps To Take Before Buying A Car

You've searched and found the right new car! Congrats! Here are a few things to consider while looking for the best financing option.

How to Get Out From Under Student Loans

How to Get Out From Under Student Loans

If you’re a recent college graduate who took out student loans, you likely owe about $35,000. As eye-popping as that average debt figure is, you’re certainly not the only one wondering how you’ll possibly get out from under your loans.

What to Do if You Can’t Pay Your Taxes

What to Do if You Can’t Pay Your Taxes

Tax time can be tough, especially when you don’t have the money to pay what’s due.

5 Common Mistakes on Tax Returns

Rushing to file your tax return increases the chances of error, which can delay your refund, trigger an audit or cause you to have to pay more later. Here are some of the most common tax mistakes to avoid.

10 Do's and Don'ts for Personal Loans

10 Do's and Don'ts for Personal Loans

Getting a personal loan can be a great way to receive quick cash. Here's what you should do (and not do) with your personal loan. 

When to Consider a Small Business Loan

When to Consider a Small Business Loan

The Ultimate Guide to Applying for a Business Loan

The Ultimate Guide to Applying for a Business Loan

Business loans can have huge benefits for your company. This article explains how they work, what to consider, and when it makes sense to get one for your business.

How to Actually Achieve Your Debt Payoff Resolution

Don't Get Caught Up in a Pyramid Scheme!

Why You Should Get Pre-approved for a Car Loan

Car Sharing, Auto Refinancing, and Insurance

Car Sharing, Auto Refinancing, and Insurance

Driving is a necessity for many, but it can also be expensive, with an average annual cost of almost $8,700. Here are three easy ways to reduce your car expenses.

How Thieves Create Fake Identities With Kids' Social Security Numbers

Identity theft, or identity fraud, once meant crooks were churning out fake credit cards. But as that became easier to detect, a more insidious crime has evolved: the creation of completely new identities.

How to Get Your Business Out of Debt in 4 Steps

Debt is a necessary part of running a small business...but too much debt can put your business at risk.

Small Business Blunders: Mistakes that First-Time Entrepreneurs Can Avoid

Small Business Blunders: Mistakes that First-Time Entrepreneurs Can Avoid

How to Boost Your Small Business Credit Score

How to Boost Your Small Business Credit Score

These 3 Tricks Can Help You Shop Less

Shopping can be a form of relaxation, an entertaining way to spend time, or even a hobby. But it can turn into an expensive habit. 

6 Ways to Save Money on Camping Costs

Get the tent ready, grab your s'mores supplies, and make note of these money-saving tips to guarantee a successful camping trip!

Savings 101: What Is a Share Certificate?

Savings 101: What Is a Share Certificate?

Here's the breakdown of a Share Certificate - and why you should consider one.

Saving Money Makes You Happier – Here’s Proof

Saving Money Makes You Happier – Here’s Proof

The argument over whether you should invest or pay off debt usually focuses on financial numbers, such as rates of return and interest charges. Maybe happiness should be part of the equation as well.

The Benefits of Life Insurance

The Benefits of Life Insurance

Ever wondered if life insurance is worth the expense?  Read on to find out why it can be an important part of your investment strategy for your loved ones.

Retirement Savings for Self-Employed People

Retirement Savings for Self-Employed People

It seems like everyone has a side hustle or a personal project they hope to someday turn into a business. While this money-making ambition is good for the wallet, it can be a little tricky come tax time. 

5 Things to Consider When Buying a Jet Ski

5 Things to Consider When Buying a Jet Ski

Jet skis can be a fun way to ride the waves! But they are certain things you need to know before purchasing your own personal watercraft. 

Spend Money Guilt Free - Even With Student Loans

Learn how to keep your big expenses low, get serious about setting aside “fun” money and pick activities that will bring you lasting joy.

How To Dispute and Pay For Large Medical Bills

How To Dispute and Pay For Large Medical Bills

Investing for Life's Milestones

Investing for Life's Milestones

Benefits of a Student Checking Account

Student Loan Scams and How to Avoid Them

Student Loan Scams and How to Avoid Them

We all know there are credit card scams, online shopping scams, and telephone scams, but our student loans are secure, right? Well, not always. Student loan scams - while not incredibly rampant - are definitely still a thing. This article will teach you how to spot them and what to do if you're targeted.

3 Questions to Ask When Buying an RV

3 Questions to Ask When Buying an RV

How to Protect Your Money and Accounts Online

How to Protect Your Money and Accounts Online

Shopping and banking online are very convenient. But you want to be sure you’re protecting yourself and your wallet before you hit “send.”

4 Ways EFFCU Can Help You Fund Your Summer Vacation

4 Ways EFFCU Can Help You Fund Your Summer Vacation

Kids and Summer Jobs: Opportunities to Learn

Kids and Summer Jobs: Opportunities to Learn

Many teens have summer jobs. This is the ideal time to introduce them to some essential financial skills.

When and Why to Take on Business Debt

When and Why to Take on Business Debt

Not all debt is bad debt, as long as it's used to it's full potential. Whether you need new equipment, want to invest in finding new clients, or just want to expand, business debt can be the right answer.

Bank Accounts to Open for Your Small Business

Bank Accounts to Open for Your Small Business

Essential Money Lessons Every Kid Needs to Know

Here are some important lessons you'll want them to know.

How Much Does Your Credit Score Cost You?

How Much Does Your Credit Score Cost You?

What to Do After a Layoff

What to Do After a Layoff

Itemizing Taxes

Itemizing Taxes

Using the 80/20 Rule to Increase Productivity

Using the 80/20 Rule to Increase Productivity

Your Customers Trust Your Frontline Staff Majorly

Your Customers Trust Your Frontline Staff Majorly

Education First FCU Puts Your Business Needs First!

Education First FCU Puts Your Business Needs First!

How a Small Business Loan Works

How a Small Business Loan Works

How to Save for a Down Payment

How to Save for a Down Payment