Articles | Achieva Life

Jul 23

2

Five Creative Ideas to Make Some Extra Cash

By Achieva Credit Union | Articles, Business, Finance, Lifestyle | No Comments

How would you like a little extra cash? If you’re shaking your head yes, then you should keep reading! Most people would enjoy making a little spending money on the side. Throw in a stressful, challenging crisis, and the idea becomes almost a necessity. Good news! There are TONS of great ways to pad your budget. Even better, it doesn’t involve digging through your couch cushions—not that we’re saying that’s a bad idea. Here are a few ideas you can try: 1. Become an affiliate marketer. It’s NOT as hard as it sounds. When you find a cool product, you...

Jul 21

1

Bad Debt Tops Over $100 Billion in Expected Defaults

Easy Ways To Avoid Bad Debt

By Achieva Credit Union | Articles, Business, Finance | No Comments

As businesses make their quarterly earnings announcements, the nation's five largest lenders expect a loss. Wells Fargo, Bank of America, Citigroup, JPMorgan Chase, and U.S. Bancorp claim that defaults due to the Coronavirus will cause a significant amount of debt. Collectively, the amounts of projected damages top over $100 billion. How can you avoid bad debt when these companies couldn't? How companies are handling debt worldwide A shift in retail sales caused many suppliers abnormality regarding their inventory and cash flow. Major companies, such as Nike, reported to the U.S. Securities and Exchange Commission that they have millions of dollars in bad...

Jul 16

0

Understand Credit Card Interest and Get Better Terms

By Achieva Credit Union | Articles, Finance | No Comments

We talk a lot about budgets. We promote wise spending, as well as making fruitful investments. When it all boils down, a lot of our financial maneuvers depend on our creditworthiness. Is there a way to master a revolving balance? Can we better understand credit card interest to obtain more beneficial terms? The answer is YES. The more you know about credit scores, balance transfers, and APRs, the more you can use them to your advantage. In a timeframe as short as six months, smart consumers can reduce their credit card interest significantly. What do they know that others don't?...

Jul 15

1

The Top Ten Most Affordable Home Improvement Projects

By Achieva Credit Union | Articles, Home Buying, Lifestyle | No Comments

So, you’re feeling inspired by Chip and Joanna, huh? Nice! Home improvement can be fun…or a total nightmare…depending on how you approach it. We’ve all been enchanted by the adorable duo and their magical way of making home improvement look easy—and even entertaining! The side we don’t see as much is the stress, budgeting, and failures. The great news is it CAN be a wonderful, rewarding process. As long as you have a plan, a realistic budget, and the right team backing you up. Your team includes trusted contractors, your bank if a loan is required, and a trusted realtor...

Jul 09

1

Financing an Energy Efficient Home Remodel

By Achieva Credit Union | Articles, Going Green, Technology | No Comments

In a few months, our newest branch in Trinity will open as Achieva Credit Union's first net-zero branch. It could be the first of many and undoubtedly comes after many hours of careful planning. The news makes a lot of our members wonder about their own ways to go green. Would a zero energy home remodel make sense? Is it affordable? In this article, we explore the details in-depth. We'll discuss ways to finance a zero energy home remodel and the long-term benefits related to the earth-friendly investment. Why build a net-zero branch? First, let's uncover the science behind it....

Jul 02

1

Buyer Beware: The Loopholes of Online Purchase Protection

By Achieva Credit Union | Articles, Finance, Technology | No Comments

Consumerism through the internet is on an uptick. Now, before we get started, keep in mind that the majority of eCommerce transactions are safe. However, there are times when misled buyers must register in an online purchase protection policy. We've analyzed popular web-based platforms for loopholes. Below is everything you need to know before clicking submit. Facebook purchasing policies and safeguards According to Facebook, their online purchase protection policy states that the buyer should make sure that the purchase is eligible before proceeding. Purchases deemed ineligible won't be able to fall under the safeguards of Facebook's shield. So, what does...

Jun 25

1

How to Help Your High School Graduate Manage Money

By Achieva Credit Union | Articles, College Life, Finance | No Comments

The act of budgeting seems for the well-established; however, on the contrary, proper wealth development starts before adulthood. Regardless of where your household is the financial timeline, there are ways to help your high school graduate manage money. If your student recently received their diploma, be sure to review our fiscal planning tips below. Financial advice for high school students Preparing for a stable financial future includes creating a solid savings plan. To help your high school graduate manage money, instill the importance of setting aside between 5-10% of their earnings. The practice will give them a benchmark for later accomplishments. ...

Jun 23

1

Simple Ways to Build Home Equity for Under $1000

By Achieva Credit Union | Articles, Finance | No Comments

The key to developing wealth is through wise investments. Savvy homeowners show financial stability by making timely payments on their mortgage; however, it doesn't end there. In addition to increasing their property value, they also know how to build home equity. All of these factors are important when leveraging a HELOC, or accumulating assets. When you build home equity, you secure a resource for the future, all of which you can borrow cash against later. If you're a homeowner, ready to make the next move, make sure to view our tips below. You'll see three ways that $1000 can boost...

Jun 18

0

Common Mistakes of Shopping Less Frequently

By Achieva Credit Union | Articles, Finance | No Comments

The statistics regarding the average 2020 grocery trip show many new developments. As Americans are shopping less frequently in general, they are also creating an onslaught of common mistakes, most stemming from managing their household inventory. People choosing to go to the store less often focus their thoughts on bulk shopping. It is a critical change, yet it remains to be masted. In a recent poll, the reasons for shopping less frequently involve avoiding contact with the Coronavirus. Although a wise decision, it can be tricky for most to balance between buying the wrong things or buying too much. Changes in...

Five Creative Ideas to Make Some Extra Cash

Easy Ways To Avoid Bad Debt

Understand Credit Card Interest and Get Better Terms

The Top Ten Most Affordable Home Improvement Projects

Financing an Energy Efficient Home Remodel

Buyer Beware: The Loopholes of Online Purchase Protection

How to Help Your High School Graduate Manage Money

Simple Ways to Build Home Equity for Under $1000

Common Mistakes of Shopping Less Frequently

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