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5 Financial Resolutions to plan for and stick to

An estimated 74% of adult Americans are determined to learn something new, make a lifestyle change, or set a personal goal to better themselves in 2021. As Yolo County’s #1 Best Credit Union, you can trust us to help you plan New Year’s resolutions that you can stick to. Below are 5 financial resolutions to consider making for the new year.

1. Set goals and stick to them.

Whether you’re looking to pay down debt, save more, or spend less, it’s essential to set clear and measurable goals. Click here to learn how to set SMART Goals. Keep your goals top of mind and develop a system to stay on track. There are several free online budgeting tools to help you get started.

2. Monitor your credit report

It’s important to monitor your credit report annually. By checking your credit report, you can verify your credit history is accurate and dispute any errors. You are entitled to a free copy of your credit report annually from the three major credit bureaus: Experian, Equifax, and TransUnion. Click here to learn how to build or rebuild your credit.

3. Invest

Making smart investments can help you secure your financial future, prepare education funding, or simply grow your assets. Our Wealth Management program offers a full range of investment services through our broker-dealer, CUSO Financial Services, L.P. (CFS). Our CFS* Financial Advisor, Monaye Nelson-Morgan, is a licensed professional trained to analyze your investment needs to build your wealth strategy. Click here to contact Monaye and learn more.

4. Open a Health Savings Account

With the recent pandemic, making sure you and your family are healthy and can cover medical costs is essential. A Health Savings Account lets you save money tax-free** and use it to pay for various medical expenses such as medication, hospital bills, and more. Schedule an appointment with a representative to discuss if a Health Savings Account is right for you.

5. Educate Yourself

Research shows that 53% of American adults feel anxious when thinking about their finances. If feeling anxious or stressed about finances is something you’ve experienced, we believe financial education is one of the best ways to ease your worries. Feeling confident about making financial decisions is key to achieving financial success.

That is why we offer a free financial wellness program, Achieve Financial Success. This online program helps you navigate various financial topics, including money management, owning a home, investing in your future, credit, and more! Plus, you can customize your financial literacy playlist based on your personal goals. Click here to start learning.

Whatever your financial goals are for the next year, Yolo Federal is here to help you achieve financial success. Our team is eager to help you discover the local difference. Schedule an in-branch or phone appointment today to get started.

 

*Non-deposit investment products and services are offered through CUSO Financial Services, LP (CFS), a registered broker-dealer (Member FINRA /SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Yolo Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. 1CFS and its representatives do not provide tax advice. For specific tax advice please consult a qualified tax professional.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information on this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Using FINRA’s BrokerCheck website, you can search for a brokerage firm or individual broker by name or registration number, and link to state regulators’ websites. Details on a broker’s background and qualifications are available for free.

https://brokercheck.finra.org

**Check with your tax advisor

 

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To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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