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If your current credit card has a high APR or you have more than one card that you’re trying to pay off, then it’s probably time to find a balance transfer credit card that serves you better.

Set a clear budget. Budgeting becomes easier when you know exactly how much you have to spend. With a holiday savings fund, you can easily track your spending and see at a glance how much room you have left

There are many ways to save for the holiday season. Here are a few from the OCCU team.

If your down payment is less than 20 percent of the value of the home you'll most likely be required to carry private mortgage insurance.