No matter how carefully we budget and save for the holidays, most of us end up swiping a credit card for at least a few purchases. Here’s the good news: You don’t have to feel guilty about it. If you use your card strategically, it can give you a
By choosing OCCU, you did more than just open an account or take out a loan. You became a member and an owner of our not-for-profit financial cooperative. This cooperative structure sets OCCU apart from other financial institutions and allows us to
You’ve got gift lists, guest lists and pre-holiday to-do lists. Menus to plan and outings to prep for. With so many things to buy and details to keep track of, it’s easy to lose sight of your holiday spending. Fortunately, you’ve got a trick up your
The holiday season is the time of year when we are our most generous selves. And most of the time, that’s a good thing. According to a Gallup study, each American adult is projected to spend an average of $947 on gifts this holiday season. One-third
If Black Friday, Small Business Saturday and Cyber Monday are all about buy, buy, buy, GivingTuesday is the counterbalance. It urges us to give, give, give. GivingTuesday, which falls on the Tuesday after Thanksgiving, started in 2012 to emphasize
It can be difficult to keep your private information private online. You use your credit card online regularly. Your phone number and email are frequently required to use an app or make a purchase. If your social media isn’t locked down, much of your
We all encounter unexpected expenses that strain our budgets, whether it’s a car repair, trip to urgent care or sudden loss of a job. As with most things, a little planning goes a long way. That’s why it’s a good move to have an emergency fund that
It’s one of those chicken-or-the-egg situations: You can’t get credit if you don’t have a credit history and you can’t build a credit history without credit. So how do you get started? Or get “restarted” if your credit has taken a hit? You need to be
By Genevieve Parker, OCCU Board Member and Nominating Committee Chair OCCU is currently accepting applications from members who would like to share their time and talents to help shape the future of our credit union! OCCU has a group of Board Members
