Finance

Sharing the GOOD

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Our members are always on the go, and we understand that. It may be for different reasons – business meetings, soccer games, leisure travel - but there's one thing you all have in common: membership at Achieva Credit Union. And you want access to your accounts – even when you can't get to one of our branches. In fact, when you’re on the go, we’re right there with you, with convenient locations across town, around Florida — even nationwide! These are called CO-OP Shared Branches. Achieva Credit Union’s participation in the CO-OP Shared Branch network means convenience when, where and...
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Build the Perfect Budget in 15 Minutes!

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Ah, the dreaded “B” word, “BUDGET”. Is it said out loud in your household? If not, it may be time to start allowing it! Properly discussing and implementing a monthly budget is a great way to track and manage your finances. In fact, once you correctly set and follow a budget, you’ll most likely feel like you received a pay raise, when in fact you are bringing home the same paycheck as your previous no-budgeting self. Budgeting is a continual process, so don’t get discouraged if it doesn’t seem to work for you right away. It will take a few...
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Thinking Outside the 9-5 Box: 5 Ways to Create Extra Income

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It’s easy for an entire paycheck to get eaten up by mortgage payments, bills, and other essentials, leaving very little to spend on the enjoyable things in life like vacations, hobbies, and entertainment. While many people may rely on credit cards to pay for the nonessential “extras” in life, there are other ways to scrape together “fun money” without piling up unnecessary debt. All it takes is a little creativity and thinking outside of the “9 to 5” box. Here are a few short-term side-income opportunities that will work alongside your current full-time job. 1) Rummage Sales Rummage (or garage)...
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Steer Clear of These Car Buying Myths

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For most of us, purchasing a vehicle is one of the first major financial decisions we make in our lives. With so many vehicle choices and financing options, it’s easy to become overwhelmed with the entire process. It’s also very easy to make a mistake, which can cost you a lot of time and money in the long run. Here are a few common myths and considerations to keep in mind as you begin shopping for your next vehicle. Myth #1: Leasing is always the best option. When you purchase a new car, you really have two main options, “leasing”...
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What the EMV?!

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Most people understand what the acronyms OMG, SMH, and LOL mean. But what about EMV? You may have heard of EMV, and possibly have seen new EMV readers at retailers, but what exactly is it? More importantly, why should you care? EMV stands for Europay, MasterCard, Visa (the three companies that developed the technology) and is a new security feature embedded in ATM, debit, and credit cards. Instead of the old method of storing your information on a magnetic stripe, EMV cards store your information on a “chip”, which is a small integrated circuit. EMV cards are not “swiped” at...
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Are You Overlooking These Tax Deductions?

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Tax season is upon us, and people everywhere are sharpening their pencils and doing everything in their power to maximize their refunds. While most of us understand the basics of tax deductions, the complex IRS rules are constantly changing, making it easy to leave a few tax dollars on the table. While preparing your return this year, spend a little extra time to determine if you qualify for any of these often overlooked deductions. Donations If you donated furniture, clothing, appliances or household items to an approved charity during the previous year, you may receive a write-off for the items’...
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Conquer Your Financial New Year’s Resolutions

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New Year, same resolutions. If you’re like most people, this most likely means promises of regular gym sessions, healthier eating or better time management. We all commit to these things with the intention of seeing them through all year, but unfortunately our dedication usually ends not long after the champagne toasts are over. This doesn’t have to be true for your financial goals! The beginning of the New Year is the perfect time to re-evaluate your financial situation. Before tackling your goals, it’s important to analyze your current financial situation and then set clear, realistic and measurable goals. A recent...
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