There are many reasons why having a good credit score is beneficial, including easier approval for rentals and increased negotiating power with interest rates. While your credit score won’t jump a significant amount overnight, there are many ways you can improve your score over time. These are our best tips for boosting your credit score! Pay on Time Missing credit card or loan payments is one of the biggest factors that can negatively impact your credit score. Read on →

Fall is in full effect and the festivities have begun! Autumn festivals, corn mazes and Halloween parties are in full swing. While these things are fun to do, admission prices, costumes and additional expenses can all add up. At Cleveland Bradley County Teachers Federal Credit Union, we believe that anyone can have fun, on any budget. Before breaking the bank on fall entertainment for your family, consider these free (or very inexpensive) activities! Read on →

Prices these days are on the rise. But finding ways to save doesn’t have to mean drastically changing your habits. Read on for a few easy tips for cutting back. Cancel Your Monthly Subscriptions The average consumer spends way more than he or she realizes on subscriptions each month. Everyone has had times where they don’t utilize their digital monthly subscriptions. Because the cost of streaming services can add up, do not hesitate to cancel the ones you are not regularly using. Read on →

There’s no doubt about it. The expenses of higher education continue to rise at a gradual, constant rate. In fact, the average debt amount of a four-year college graduate who took out loans in 2019–2020 was $28,000. Debt is all too easy to fall into, but much more difficult to get out of. Below are a few tips on how to save from our Cleveland Bradley County Teachers Federal Credit Union team. Read on →

Whether you only recently started earning income or you’re a seasoned earner, it can be difficult to know exactly where all your money is going when you get that paycheck. Because it can be so difficult to freestyle your finances, creating a budget is a fantastic way to gain control. While it can be a complex task, here are three first steps you can take to get started on the process: Read on →

When you become the new owner of a home, it can often be a daunting and overwhelming period of transition. Issues and areas of improvement can be prevalent and take you by surprise. Because homeownership can be quite costly, our team at Cleveland Bradley County Teachers Federal Credit Union wants to share three great ways to save your hard-earned money as a new homeowner. Check the Insulation in Your Attic Whether it is extremely hot or extremely cold, a lack of insulation in your home means that you will have to dish out more cash just to maintain a comfortable temperature inside. Read on →

Everyone knows that when you have children, it is often an expensive venture. In fact, the average American family will spend an astounding $230,000 to raise a child from birth to the age of 17. And with the recent burst of inflation, that number is almost $290,000. Here are some tips from our Cleveland Bradley County Teachers Federal Credit Union team about how to save money when raising kids: Prepare your food in advance and at home. Read on →

In these hot summer months, it’s so easy to stack up additional expenses. Save some money and put it toward the things you want to do by following these helpful tips: Combine Your Trips to the Store Many times when you’re going to the store to “just grab eggs,” it can turn into impulsive spending. Prior to making the trek to the store, create a decisive and intentional list. Not only will this reduce impulse spending, but it will also save you money on gas for those moments when you forgot that last item. Read on →

High gas prices are a major bummer, especially during the summer months when many of us have road trips and other travel plans lined up. Though the number on your car’s miles-per-gallon sticker may seem like a hard-and-fast rule for your fuel efficiency, did you know that there are actually ways you can make each gallon go further? Whether you are heading out on an epic road trip or simply running errands around town, here are some great ways you can save on gas. Read on →

There are a lot of little expenses involved with running a household that can quickly begin to add up—buying new lightbulbs, replacing broken items and keeping things like paper towels and aluminum foil stocked can all add up! While these things certainly fall in the category of necessities, that does not mean you should pay what you have to for them. In fact, if you get savvy, there are a lot of ways you can save around the house—and we have all the tips you need to make it happen. Read on →