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Kick Off 2026 With Clarity: How to Set Financial Goals That Actually Stick
The start of a new year has a way of making us pause and reflect — especially when it comes to our finances. After holiday spending, rising costs of living, and the realities of everyday expenses, many of us find ourselves asking the same question:
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Simplify Budgeting with the 50/30/20 Approach
Budgeting can be tough, especially if debt has already started piling up — or the amount you think you’re spending doesn’t match up with your credit card statement. That’s why it can be helpful to start with a flexible framework that makes it easy to visualize your spending and saving habits, while still allowing you to have some fun with your money.
Pay off debt sooner with balance transfers
It’s easy to get wrapped up in the hustle and bustle of holiday spending. So much so, that sometimes you spend more than you planned. However, here at LMCU, we’re hopeful a balance transfer might help! Hear what our lending expert, Joe Batt, has to say on transferring credit card balances after the holidays.
Shopping small for the holidays
If you’re an avid user of online shopping and store-to-door delivery subscriptions, figuring out where to make changes could be a challenge. Never fear, LMCU is here!
Make sure you’re on the nice list with your holiday spending this year.
Use these tips this holiday season to shop for your loved ones.
Spending Your Savings on Purpose
Three Ways to Make the Most Out of Your Savings. You’ve made a budget. You’ve stuck to your budget. And you’ve finally managed to have money left over at the end of every month. Congratulations! Now comes the tricky part: what to do with that extra cash?
Plan ahead for the holiday budget crunch
Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more than they can afford.This year, break the buy-now, worry-later habit by creating -- and sticking to -- a special holiday spending plan. It won’t take long, and you’ll still be able to spread cheer without completely draining your wallet.
Keep Track of How Much Joy You’re Spreading (and Spending)
‘Tis the season for giving…and giving…and giving. And all that giving can be hard to keep track of. Don’t worry, our budget tool located within Online Banking can help. Here are just a few of the features:
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Explore our Podcast
Tune in to our Wallet Wisdom podcast where we help breakdown the in's & out's of financial aspects to bring answers to some of banking's more confusing and complex questions.
Wallet Wisdom Podcast | Ep 62: How to Launch Your Small Business: 5 Essential Steps for Success
Learn 5 essential steps for launching a small business successfully. From realistic projections to leveraging resources, ensure your entrepreneurial journey is well-planned.
Fraud Is Evolving: What You Need to Know to Stay Safe | Wallet Wisdom Podcast Episode 59
Learn 5 crucial strategies to protect yourself from financial fraud. Understand the evolving threats and how to stay safe in today’s digital world.
Wallet Wisdom Podcast: How Credit Unions Compare to Banks
Featuring Guest Patty Corkery, President & CEO of Michigan Credit Union League Most people think banks and credit unions are basically the same but they’re not. One is built to serve shareholders. The other is built to serve you.
How The Latest Fed Rates Impact Your Budget & Borrowing Power
In the latest episode of Wallet Wisdom, host Brett sits down with LMCU’s VP of Accounting, Tommy Minchew, and SVP of Finance, Mike Steele, to demystify one of the most talked-about financial topics with this latest decision to maintain interest rates by the Federal Reserve and how it impacts your wallet*. Whether you’re a saver, borrower, or somewhere in between, this episode is packed with practical advice to help you navigate today’s economic landscape.
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Calculate your monthly auto loan payment with LMCU. Compare terms and rates to find a plan that fits your budget.
Mortgage Calculator
Estimate your monthly mortgage payment with LMCU. Factor in rate, term, and down payment to plan ahead.
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