Gulf Winds Federal Credit Union Blog
Why Do I Need To Get Pre-Approved For A Loan?

Why Do I Need To Get Pre-Approved For A Loan?

For a large purchase, such as a home or car, having that preapproval in hand before you start shopping is crucial. A pre-approval is a written letter from a lender specifying how large of a loan you will be eligible for. The letter will also detail your estimated interest rate on the loan.

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Mistakes First-Time Homeowners Make

Mistakes First-Time Homeowners Make

 Buying a house is one of the biggest decisions you will ever make, and there are common mistakes that many first-time homeowners regret making.

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6 Common Tax Mistakes To Avoid

6 Common Tax Mistakes To Avoid

It’s that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms, and pay stubs, and get to work.

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5 Smart Ways to Use Your Credit Card

5 Smart Ways to Use Your Credit Card

It’s no secret that we Americans love our credit cards. But unfortunately, the relationship isn’t always healthy. Research indicates that the average American household has $5,700 in credit card debt. And while there’s no magic bullet solution to erase debt once you have it, there are several smart steps you can take to make sure you don’t get in over your head.

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College Savings Plans to Consider for Your Child’s Education

College Savings Plans to Consider for Your Child’s Education

It’s important to invest in your child’s college savings early to ensure you have enough money put aside when the big day comes. There are a number of different-yet-beneficial ways to start to squirrel away money for college expenses.

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Protecting Yourself Against Card Cracking Scams

Protecting Yourself Against Card Cracking Scams

In a recent scam targeting millennials, fraudsters are once again cashing in on people’s naivety and goodwill. Only this time, they’re using social media to make it happen.

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Tips to Get the Most Value from Your Tax Refund

Tips to Get the Most Value from Your Tax Refund

Tax time is one of the few opportunities when low-income households receive a sizable amount of money – especially if they take advantage of the earned-income tax credit. While it may be tempting to spend that money on wants vs. needs, saving your tax refund can protect you from needing to turn to payday loans or high-cost credit later in the year, and can serve as the foundation to grow your savings.

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Want to Build a Better Tomorrow? Help the Next Generation.

Want to Build a Better Tomorrow? Help the Next Generation.

Do you ever get the urge to leave a positive impact on society? One of the best ways to do this is to participate in programs that educate and empower our youth. After all, they’re going to grow up to be the future leaders of our country, so it’s only smart to give them the tools necessary to succeed.

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5 Things To Do Before Visiting The Dealership

5 Things To Do Before Visiting The Dealership

With car dealerships offering specials and promotions on the previous year’s models, it may be one of the best times to buy a car. But, before you take the plunge and head off to your local dealership, there’s some things you should do beforehand.

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6 Ways to Make 2018 Your Best Financial Year Yet

6 Ways to Make 2018 Your Best Financial Year Yet

Every new year is another chance to make good on your financial resolutions, and this year’s going to be the game-changer. You can feel it. Here are six goals and resolutions worth considering for 2018:

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Ways to Recover from Your Holiday Shopping

Ways to Recover from Your Holiday Shopping

To splurge is to celebrate the holidays well, some might say. In fact, over $1 trillion was estimated for holiday spending in 2016, but many who spend in excess during the holidays often feel a little buyer’s remorse afterward. If this is you, feel better knowing that you’re not alone this year.

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Gifting Life Skills Along with Money

Gifting Life Skills Along with Money

We’re all tempted at times to spoil our loved ones. Seeing their little faces light up is as much of a treat as all the gifts we have to offer. Every now and then, we have to remind ourselves that the things we give come with life lessons and that it’s important to teach the right things. When gifting money to your grandchildren, there are some simple tips that can help teach them important lessons while you make them smile.

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Protect Your Retirement with a Health Savings Account

Protect Your Retirement with a Health Savings Account

Health is something we often take for granted. Sure, you may be in top health right now, but the future offers no guarantees. When you’re preparing for retirement, it’s good to have a medical savings account set aside to prepare you for the unexpected; why not choose a HSA and take advantage of its benefits?

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5 Tips for Sticking to a Budget When Hosting for the Holidays

5 Tips for Sticking to a Budget When Hosting for the Holidays

The holidays are a time to eat and celebrate with family and friends, and it’s usually up to the host or hostess to pull off a get-together worth remembering. That can often mean sinking a small fortune into a one- or two-day gathering, and smart holiday hosts know how to stick to a holiday budget.

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3 Secrets to a Happy Retirement

3 Secrets to a Happy Retirement

Life doesn’t come with an instruction manual. We do our best and learn from our mistakes. Nobody can tell you exactly what will guarantee your happiness, but there’s timeless wisdom that’s worth sharing. In terms of finding happiness in retirement, there are a few key elements that tend to take the cake.

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