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What is your net worth and why does it matter?

eggs in basket one gold

Net worth is pretty simple – it is what you own minus what you owe.  Some people say you shouldn’t include the equity in your primary residence, your household goods or your vehicles.  Others say go ahead and include them.  You can decide – that’s your choice.  In its most basic form, your net worth…

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How not to overspend this holiday season

man with money flying out of wallet

The holidays are fast approaching, and so is the season for spending.  Many people find this a stressful time, because they know they will end up spending more than they can afford.  Here are some ways to reign in your spending this season. Set a budget Before you begin making lists, planning and shopping, decide…

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Balance your finances

Woman balancing a tightrope

In today’s day and age, balancing a checkbook has become a thing of the past. It is something we remember our parents doing.  With modern technology, many people do not bother to balance their checkbooks anymore. In fact, most of us have done away with actual, physical checkbooks entirely by paying our bills online using…

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Your life goals, are our life goals

Notebook with the word goals written across

If there’s ever a time that “millennials” need cooperatives, it’s now. The last ten years have been quite transformational for this generation of young adults. Younger millennials just graduating college likely saw their parents lose jobs, benefits, and pensions while bank executives lost nothing. According to a study by Filene Research Institute, millennials make about…

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Go branchless with White Sands FCU

Mobile banking image

Totally branchless banking has increased lately, but many are still skeptical. In 2014, Bankrate released a study saying that more than 30% of Americans haven’t visited a branch in the last six months. With the rise of mobile technology, financial security and digital communication, it’s possible to never step foot in a branch again. But…

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