Gulf Winds Federal Credit Union Blog

Is Your Teen Ready for a Checking Account?

While many financial institutions offer special kids and teen savings and checking accounts, parents are often reluctant to expand their child’s financial responsibility. You may have opened a savings account when they were younger, investing in their future behind the scenes or encouraging them to save their allowance, but sooner or later it’s time to teach your teen money management fundamentals. A checking account is a great way impart valuable financial knowledge to help your youngster manage money now and in the future, and the teen age is the perfect time to get started.

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4 Ways to Cut That Grocery Bill in Half

Do you need to cut back on spending but have no idea where to start? Maybe you’ve stopped ordering take-out and reduced the number of trips to the coffee shop in the week, but you still haven’t met your savings goals. It happens to all of us at some point, and the culprit, more often than not, is staring us in the face – the grocery bill.

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Shop Safer Online with these 5 Tips

Who doesn’t love online banking? It’s easy, it’s convenient, and it saves on paper waste by making all transactions digital. Unfortunately, thanks to the growth of cybercrime and digital fraud, online banking exposes users to a bit more risk than traditional banking. But the good news is that safe online banking is simple—as long as you take the right steps.

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How to Save for Your Holiday Travels

Today, it’s more common than not for families to be spread across the United States. With excellent job opportunities sprouting up in different cities around the country, most people don’t live in the same city as their parents and siblings anymore. This can make the holidays stressful as busy families struggle to find the time and money to visit family members hours away.

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Where Does Your Money Go Each Month?

Those of us familiar with SchoolHouse Rock! might remember this little jingle:

“We can’t stop the money from trickling out,

But we can control how it flows—

And we can start by being aware of where the money goes.”

The catchy tune holds as true today as it did in 1995: We can’t stop paying our bills, but as long as we understand our finances, we can control them enough to keep us out of financial jeopardy.

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5 Smart Financial Moves to Make by Age 50

It’s never too early to take control of your finances and start making smart money moves before you cross the bridge into fifty. Whether it’s retirement savings or debt obligations, the right choices now can save you time and trouble farther down the road, so consider these five financial moves worth making. 

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Should You Babysit Your Grandkids for Free?

When it comes to children, two things are true: (1) they're a treasure and (2) they're even more work to take care of as grandparents than as parents.

Few relationships are as special as the bond between children and their grandparents, and this makes the hard work from babysitting worth it.

Before you send your child and in-law the bill for your babysitting services, first think about what you gain from looking after your grandchildren.

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Ways to Earn Extra Money on the Side

We all know that times are tight, and the collective debt of Americans as a whole is rising.

We’re always on the hunt for opportunities to score some extra cash—and if you know where to look, there are plenty of these opportunities around.

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The Perks of Choosing a Credit Card from a Credit Union

Many of the people who make the switch from a bank to a credit union often wonder if it’s worth it to get a credit union credit card. If all credit cards provide the same essential services, what makes credit union credit cards any different?

For starters, many people prefer credit unions over banks because of the more personal feel that comes with every interaction. Also, credit union credit cards tend to have attractive rates that big banks don’t.

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Financial Wellness for People with Disabilities and Their Families

Often individuals with disabilities are not familiar with the savings options available to them, or they may be afraid to save money in fear of jeopardizing their public benefits. However, there are a wide variety of saving strategies that individuals with disabilities can potentially access to achieve their savings goals and improve their financial well-being.

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Ways to Save a Down Payment for a Big Purchase

Big-ticket down payments like those needed for a home or automobile purchase often require considerable preparation. Being prepared is never a bad idea, especially when trying to save substantial amounts of money. Here’s how you can make sure you’re ready for the big down payment day when it arrives.

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3 Important Reasons to Plan for Unexpected Emergencies

Life is an unpredictable, beautiful, chaotic mess.

Okay, it’s tough to argue that life is beautiful when emergencies spring up and demand that you empty your bank account to find a resolution. Here are three good reasons you need to anticipate these problems before they arise.

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Does a Higher Salary Lead to a Better Life?

It’s a thought that most of us have had at one time or another:

Things would be different if I made more money…

Cold hard cash seems like the golden ticket to a better life, but are we right in thinking that our lives would be better if we had a higher salary?

Surprisingly, we’ve found the answer to this question is a resounding No!

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Have Fun with Your Grandkids without Breaking the Bank

If you could give your grandkids the world, you’d give it to them twice over. Depending on your financial situation, however, it isn’t always in the cards to shower them with grand gestures. Luckily, kids are less concerned about a price tag and much more excited just to have fun. Here are a few ways to make them smile without spreading yourself too thin.

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Tips to Keep Motivation Up When Income Goes Down

Money has an inherent way of pulling emotional strings towards extremes. This means that emotional highs and lows are often made better or worse when money is involved. Unfortunately, when income goes down, it often leads to a lack of motivation, and lack of motivation only further continues a downward emotional spiral.

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