All posts by Achieva Credit Union

How to Negotiate Car Financing For a Better Deal

How to Negotiate Car Financing For a Better Deal

By | Articles, Finance | No Comments
Imagine you're sitting in an office at the dealership, and the sales associate returns with bad news. They don't have the authority to complete the deal without approval from the finance manager. You know they are going to ask you to provide more money per month; or a larger down payment. If only there were a way to save time and negotiate car financing like a pro. While most of us have been through the hassle of buying a new car at least once, not everyone understands the complete process. Even if you prefer to shop a used vehicle, negotiating...
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Secret Airbnb Booking Tips That Will Save You Money

Clever Airbnb Booking Tips That Will Save You Money

By | Articles, Lifestyle | No Comments
Winter is just a few months away, and it's time to think about how you will spend your holiday. For some, the December break calls for a quiet trip to the mountains. For others, they prefer traveling closer to the equator for year-round fun in the sun. Regardless of what your final choice is, use these secret Airbnb booking tips to save serious cash. Airbnb introduces enhanced cleaning protocols A recent press release from Airbnb describes changes to rental cleaning requirements. The increased efforts vow to keep vacationers safe and offer consumers more for their money, such as private kitchens and...
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Cut Monthly Expenses with 6 Simple Tricks

Creative Ways To Cut Monthly Expenses

By | Articles, Finance, Lifestyle | No Comments
It's a common desire to want flexibility within our budgets. Households all across the United States either want to increase their intake, cut monthly expenses, or in best-case scenarios, both. What if we told you that a slight change in behavior would go a long way? How's an extra $1200 left in your budget every year sound?  What mastering the "latte factor" does for your budget As we begin this article, we'll get the most obvious way to cut monthly expenses out into the open. The "latte factor" regards to the appeal presented by drive-thru coffee. As mentioned before, skipping...
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Recession-Proof Business Ideas to Keep Afloat

Recession-Proof Business Ideas That Stay Profitable

By | Articles, Business | No Comments
For the recent grads of 2020, choosing a career path serves to be a daunting task. College feels right, but what area of study should they choose? Even more so, adults looking to renew their skillset are having difficulty picking a subject of interest. The market needs recession-proof business ideas, and it needs it now. What we've learned from the pandemic is that no situation remains static. All areas of life, as we know, change. From the realization of vulnerability and adjusting vitality, what can we do to become more stable? Where's the best place to put our focus? Experts...
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Essential Sinking Fund Categories to Use in Your Budget

Essential Sinking Fund Categories to Use in Your Budget

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Everyday life requires its own set of quintessential purchases. There are things that every budget should account for, like food, water, and shelter. Additionally, there must be a plan for occasional spending on higher-priced items, such as cars, washing machines, and other primary goods. While sinking fund categories vary from household to household, the steps to obtain the resources are mainly the same.  Why Do I Need a Sinking Fund? A sinking fund is necessary because it keeps people out of financial hardship. Instead of being caught off guard, the household creates a plan to save for larger purchases. For...
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4 Smart Ways to Earn Incentives with Your Friends

4 Smart Ways to Earn Incentives With Achieva

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Achieva Credit Union members have a brand new opportunity to earn incentives with Achieva for both themselves and their friends. Those with a current account can share the joys of GOOD banking via Achieva's Refer-a-Friend program. Powered by ReferLive, there are four simple ways to receive real cash. Refer your friends, and you’ll both earn $50* When your friend signs up as a member using your referral, you will both earn incentives. There are no limits to the amounts of friends you can invite, so the more, the merrier. The referrer and the invitee will both receive $50 if the invitee opens...
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Money Journal Prompts to Last the Rest of the Year

7 Money Journal Prompts to Improve Finances

By | Articles, Business, Finance | No Comments
People thrive where they place their passion. If it's on the mind, dedication towards the subject will create awareness, thus improving the odds of being successful. Could writing money journal prompts increase the relationship between a person and their wallet? Experts around the globe say, "Yes." Commit to wealth tracking for just 90 days Rachel Cruze, the author of multiple bestselling financial books, states that people should "Consider what [they] can do as an individual to move beyond complacency." Actively creating money journal prompts may be the big push that someone needs to work towards getting ahead. It starts by having...
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Bad Debt Tops Over $100 Billion in Expected Defaults

Easy Ways To Avoid Bad Debt

By | 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...
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Understand Credit Card Interest and Get Better Terms

Understand Credit Card Interest and Get Better Terms

By | 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?...
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Financing a Zero Energy Home Remodel

Financing an Energy Efficient Home Remodel

By | 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....
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Achieva Life blogs and articles are intended to provide general information, thoughts, and articles in regards to the topics covered therein. Achieva Life is provided with the intent and understanding that Achieva Credit Union is not engaged in the act of rendering financial, consulting, medical, technological, legal, accounting or any other professional advice. The information provided within Achieva Life is not intended nor should be used as a substitute for medical, legal, or other professional advice or other expert opinions. Achieva Credit Union is not responsible for the accuracy of the information on Achieva Life and makes no representation regarding the accuracy of the content. Achieva Credit Union reserves the right to delete or block any comments. The content and comments on Achieva Life do not necessarily reflect the views of Achieva Credit Union.