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We want your financial wellness education experience to be unlike any other you've experienced before. That's why we've partnered with Balance Financial Fitness, a not-for-profit dedicated to providing financial education tools and resources free of charge to our members.

Explore the categories below and look for Financial Wellness U throughout our site to gain access to our online toolkits featuring: educational tutorials, videos, and resources that make you a more empowered consumer.


Tip of the Month:

Consider These Summer Spending Tips
 

Everybody loves summer, right? School’s out. Students are graduating. Friends are getting married. And everybody’s thinking vacay! Trouble is, the costs for all that fun can add up and sink your savings goals in the process. The good news is that with a little planning, you and your family can enjoy all that summer has to offer, without busting your budget.

Consider these summer spending tips:

1. Visit During the Off-Season
If you couldn’t swing Thanksgiving in Arizona or Christmas in the tropics, summer’s your time to visit. Destinations like these, that draw big crowds in winter, tend to slow down in the hotter summer months. If you can take the heat, you can snag some great deals during the off-season.

2. Try Camping
If you stock up on all of the newest gear, even camping can be expensive, but many outdoor retailers rent all the basic equipment you’ll need for a campground getaway. Some even offer free workshops to show you the ropes of pitching a tent and using a cook stove. Take up fishing and save even more on meals while you enjoy the great outdoors.

3. Skip the Cash Gifts
While it’s true that cash is a one-size-fits-all gift for new grads, it’s not very personal. And if you’ve got lots of students to remember, you could easily zero-out your checking account. Instead, consider giving each of the students in your life a book that’s been influential in your life. One that teaches the basics of budgeting, saving and investing would be a great way to get the new grad off on the right foot financially.

4. Make it a Potluck
Backyard barbeques are a summer staple, but when you’re footing the bill for everybody’s burgers, sides, drinks and desserts, the tab can run a little high. Next time you play host, ask each of your guests to bring something. Most people love to pitch in on a party, and even non-cooks can help by bringing things like soft drinks, ice, and disposable dinnerware.

5. Give a Family Heirloom
If you’ll be attending the wedding of a family member, think about putting together a cookbook of family recipes. Or perhaps it’s time to pass on a family heirloom, such as a piece of jewelry.

6. Be First on the Registry
If you’re not related to the happy couple, their online registry will let you know what gifts they’d really like to receive. But don’t wait until the last minute to shop. The day before the wedding, the only “unclaimed” items on a registry are likely to be super-expensive items that only the rich uncle can afford.

 

Money Saving Apps*

Flipp - Far fewer people get the Sunday papers these days. But all the ads, sales, coupons, and other special offers from the Sunday circulars can be browsed with Flipp. The app covers weekly ads from some 800 retailers, including supermarkets, dollar stores, pharmacies, and big retailers such as Target and Walmart. If you add your loyalty-program numbers, some discounts will automatically be applied when your loyalty card is scanned at checkout, without any physical coupons.

 

RetailMeNotSmart shoppers consider the list price merely a starting point that they’ll inevitably be able to beat with a few clicks of a mouse or swipes of a smartphone. The RetailMeNot app is a must-have for savings, with promotional codes, coupons, and other discounts at 50,000-plus restaurants and major retailers, and deals for physical stores and online purchases alike.

 

ShopSavvyThe ultimate “showrooming” tool, ShopSavvy allows you to inspect merchandise in the store and scan the bar code to compare prices from dozens of online competitors and local stores (but not Amazon, unfortunately). The app offers special cash-back deals from major retailers, and you can set up notifications to alert you when a desired product goes on sale.

*Despite the presence of links and mobile apps listed above, McGraw-Hill FCU makes no warranty or representation regarding, does not endorse, is not affiliated with, and is not in any way repsonsible for the linked website or any content that appears on it. If you decide to visit any linked website, you do so at your own risk and it is your repsonsibility to review the terms of use, privacy policy, and any other relevant legal notices of the relevant linked website. Article Source: Time.com


Consumer Education |

General consumer awareness resources that help you protect your identity, manage your credit report, or recover from a natural disaster or recent unemployment.

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Deposits and Checking |

Managing these accounts is critical to everyday life. If you've been saving for years - gain the insight to maximize your plan. If you're just starting out, get the tools to help launch a lifetime of financial wellness.

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Loans and Real Estate |

Consumers get loans for some of the most important purchases in their lives. Buying a car, purchasing a home, or going to college. Make sure you're ready by exploring these essential tools and resources.

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Retirement Planning |

You've worked hard your entire life - it's time to enjoy a stress-free retirement. No matter your goals, these educational toolkits will empower you with the tools to enhance your financial quality of life.

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