Pros and Cons of a Health Savings Account

With the new year approaching, for many businesses now is the time to select your insurance coverage, but is a health savings account (HSA) the best route? Here are a few of the pros and cons to health savings accounts.

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Cutting Interests Rates before Cutting the Turkey

Thanksgiving is around the corner, and along with delicious food and time to spend with loved ones are possibly some hits to your budget. If you’re a member of Gulf Winds or are considering becoming one, there are a number of ways that your credit union membership can help you save during the holidays. You don’t have to go out-of-budget for the perfect Thanksgiving, but with the help of your friendly neighborhood credit union, you can still celebrate with a full Thanksgiving belly.

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Three Ways Layaway Is the Best Friend of the Budget-Conscious

Layaway isn't a widely-used retail tool anymore, but it can be fantastic for budget-friendly holiday shopping. Most layaway plans are cheaper than the interest charged for credit card purchases, so you won't have to reconcile your debt at the beginning of the New Year. Here are three tips for making the most out of layaway.

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Getting the Best Deal on a Car

The most important factor for most of us when shopping for a new vehicle is the bottom line. No matter how great the consumer reviews or how many bonus features are included, if a vehicle's price isn't within our range, it's often a no-go. Fortunately, we aren't always limited by the constraints of our budget, as there are a few tools you can use to make sure your new car fits neatly in your financial picture.

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Internet Cookies and Online Banking

There has been a lot of talk around the credit union about cookies – and not the chocolatey chip kind. The talk we hear is about internet cookies, and the conversation usually starts with a member asking for help with a step in their Online Banking experience that they never had to worry about before. But, with increased security features comes an increase in the need for our members too….

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What Is EMV? About EMV Card Chips

Will EMV chip cards save you from the heartache of a credit card breach? They just might – and here's how. With data breaches becoming more and more common, many consumers are turning to EMV (short for Europay Mastercard and Visa) chips as a means to protect their identities and credit. But what are they exactly, and what protection do they really offer?

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Halloween Costumes On A Budget – Easy DIY Ideas

Buying your little one’s holiday costumes from a department store can be expensive. Why shell out the big bucks when you can save on some fun and creative DIY costume ideas for kids? You’ll have the whole neighborhood buzzing about your one of a kind look while enjoying a special bonding experience with your child. Here are some low-cost yet highly adorable ideas for your next costume adventure.

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Farmers Market vs. Grocery Store: Quality vs. Saving?

There's no doubt that farmers markets have fantastic seasonal produce, but is it budget-friendly? Shopping at a local farmers market can seem like an extravagance, but it doesn't have to be! You may not realize it, but the produce at farmers markets is often cheaper than what you'd find in grocery stores; you just have to know how to shop. Here are a few tips to making the most from your monthly grocery budget.

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At What Point Does Car Maintenance Become More Expensive than It's Worth?

Vehicle repairs can create big gaps in your budget that you might not have prepared for, and spending more money on repairs may not be the answer you need. It has happened to all of us. You're on the road when all of a sudden the check engine light begins flashing, ultimately causing you to shell out hundreds in expensive repairs that break the budget you've been working so hard to maintain. Vehicle maintenance is a necessary part of car ownership, but there are some strategies you can use to guarantee that you're not paying more than your car is worth.

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How Can Credit Union Shared ATM Networks Save You Money?

Sometimes it can seem like finding an ATM that won't charge an arm and a leg for accessing our own money is easier said than done. However, credit unions are offering new ways for members to access your accounts just as if you were doing business at your home branch.

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How Do You Ask For A Raise?

Do you know how to approach your boss to ask for more money? Many people shy away from the conversation all together, though employees who ask for a raise earn more than workers who stay silent. The approach is more than a conversation. It's a presentation of your value.

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Wedding Registries: Where to Register and What to Ask For

Your wedding is a celebration of life and love. Family and friends honor your special day by offering gifts. Whether starting out or starting again, the gifts from your wedding registry can help you build a comfortable home.

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Prepare Ahead of Time for the Best Auto Buying Experience

If you're in the market for a car, it pays to do research before heading to the showroom. Gulf Winds’ TRUECar Partnership spares buyers the hassle of haggling, offering transparency in its pricing. Unfortunately, most car dealerships don't operate as honestly.

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How Shopping Local Helps Your Community Financially

How you spend your dollars is important—and not just for the sake of your own budget. Choosing to shop with local businesses and vendors can provide big boosts to our community economy that go far beyond a simple transaction. From creating jobs to easing the burden on the environment, the arguments for shopping local are hard to argue with.

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Snagging a Deal: What to Look for at Garage/Yard Sales

Going on a weekend garage or rummage sale may seem simple enough: You find someone selling unwanted items, and you look for what you like, right? Well, if you just want a fun afternoon of looking for hidden treasure, then that's fine. But, if you want to do some serious shopping you need a strategy. Here are a few tips for finding hidden—and cheap—gems at garage sales. 

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