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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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Posted by on in Financial Tips
Q: My husband and I are thinking about purchasing our first home. Where do we start?A: Great question! Buying a home can be thrilling and nerve-wracking at the same time. Before you decide to take the plunge into homeownership, take some time to: Save for a down payment. Pretend you’re paying a monthly mortgage, which will provide you with your down payment funds. Decrease your debt by paying off unwanted bills. Make sure your credit report is up to date. Get a free copy at www.annualcreditreport.com. Figure out how much you can afford. A home is a major investment; most likely...

Posted by on in Financial Tips
My husband and I recently took our two children on vacation to the happiest place on Earth. Nope- not to a villa at an all-inclusive resort next to crystal blue water (ahhh), but to the overly-crowded, hot and sticky place known to all as Disney World! Before we embarked on this magical journey for a week, lots had to get done: shopping, cleaning, washing, packing, and of course, paying the bills. The one thing on my list that I took my sweet time to do was to pay the bills. Why, you ask? Because I could pay them on the 12...

Posted by on in Financial Tips
Now, more than ever, is a good time to practice saving. Why? Well, because things are becoming more and more expensive! Here are a few suggestions to help you practice good habits and save for the things you really want. Get on a budget. It’s just as simple as that. Budget your finances according to what you make. Live within your means and it will pay off. Save. Don't spend. Every penny counts. Set aside money for emergency purposes, family vacations and things you want. Don't confuse emergency with luxury. Ask yourself, “Do I really need this or can it wait?”...

Posted by on in Financial Tips
I clip coupons. All the coupons. Some would say I’m the resident Credit Union Coupon Queen! So why do I clip? Well, life is expensive and I’m always trying to save money no matter where I go. Bed Bath and Beyond, Macy’s, manufacturer’s coupons… I always have them in my purse! I started couponing when I got married, but like a lot of people I never took it very serious. About a year ago, a friend showed me some extra tips and a fire sparked again.  I didn’t realize that there were so many resources to help you save money through...

Posted by on in Financial Tips
When it comes to money, the last word people want to here is BUDGET. It usually has a negative connotation, but I want to shed some light on what a budget truly is. According to Google, a budget is “an estimate of income and expenditure for a set period of time”. We usually hear people say, “Oh I can’t buy that, I’m on a budget”. Well if you budgeted in the first place, maybe you could afford what you heart truly desires. I budget every pay period, because I like to see exactly where my money is going so I can...

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P.O. Box 1956
LaPlace, LA 70069

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