22 Sep

Things Worth Saving Up for and Splurging On

Things Worth Saving up For

As much as we all like saving money wherever we can, there are a few things in life that people, for the most part, agree are worth spending the extra money on. Whether it’s an experience you’ll never forget or an item that you’ll use every day; some things are worth a bit of a splurge. While everyone’s priorities and opinions are different, this list of things worth saving up for and splurging on seems to be pretty consistent across the board.

Mattress

Fun fact, you spend about a third of your life sleeping, so the real question here is why wouldn’t you splurge on a great mattress? Not only will you get a better night’s sleep, but your productivity and energy will increase too.

Sheets

This goes hand in hand with the quality mattress point. Anyone who’s slept on scratchy sheets can attest that great bedding can make all the difference in getting a good night’s sleep. Now, we’re not saying to go out and buy 1,800 thread count, Egyptian cotton bedding, but spending a little extra money on better sheets can really impact the quality of your shut eye.

Phone and Computer

It’s 2017 and most of us use one, if not both, of these items all day, every day. Investing in a quality product, whichever brand you may be loyal to, will not only last longer, but have less technical issues in the long run than its cheap counterpart.

Running Shoes

Anyone who’s ever ran more than a mile in subpar shoes knows what we’re talking about. While paying $100+ every 200-500 miles may seem like a lot, the injuries that you’ll prevent in the long run make it completely worth it; especially if you consider yourself an avid runner.

Vacations

Are you going to remember that one week in May 2018 when you went to work every day like normal, or when you took a trip somewhere new and made unforgettable memories? People are always saying how they regret not having more experiences and making the most of life when they had the chance. Don’t let that be you.

Now, while you can plan a vacation on the cheap, there are some things you should not go for the cheapest option on. Generally speaking, hotels and sleeping accommodations are the best example of “you get what you pay for.” Depending on where you’re vacationing, paying a little more per night for a room in a safer and more comfortable place, could make or break your whole trip.

Quality Toilet Paper

Not that this one needs very much explaining, but you’ll end up spending the same amount, if not more, for more roles of the cheap, thin stuff than for the nicer brands. Give yourself a break and go for luxury here.

 

While not splurging on some of these items may be fine with some, a good rule of thumb is that if you use something every single day, it’s worth spending a little extra money on to ensure it is of great quality. While it may take some time to save up the money to splurge on these items, it is usually worth it in the long run.

Making a budget and investing in a good savings account are some great first steps to ensuring you have the money for things worth saving up for and splurging on. Lucky for you, RMLEFCU has the people and resources to help with both! Visit our website or give us a call at (303) 458-6660 to find out how we can help you start saving today.

Do you agree or disagree with anything on this list or have anything to add? Let us know in the comments!

18 Sep

Car Buying Process Made Simple

Car Buying Process Made Simple

Have you been thinking about getting a new car recently? Don’t know where to start? Allow us to help. Here at RMLEFCU, we have partnered with AutoTrek® to bring you plenty of resources to simplify the car buying process.

Use an Auto Broker

When making a new or used car buying decision, many people utilize auto brokers to help them with the tedious process of finding the exact car they want at an affordable price point. Simply put, auto brokers streamline the process significantly and do all the heavy lifting for you. Just tell them what you’re looking for in a vehicle and a set price range, and they take care of the rest. From scouring the country locating a vehicle fitting your description to negotiating prices with the dealer; they take care of all the time consuming busy-work so you don’t have to.

RMLEFCU Member Deals and Discounts

By being a member of RMLEFCU, you receive the best deals and discounts in AutoTrek’s inventory. AutoTrek provides RMLEFCU members with the most current and accurate vehicle information on the market, so you can make the most informed car buying decision possible. They also offer members a complimentary vehicle report, so you are able to check the history and information on any vehicle as long as you have the VIN.

What’s the Value of Your Current Vehicle?

How much you will get for your current vehicle will probably effect which car you’ll set your sights on buying next. If the value of your current vehicle is more than expected, then suddenly you might be able to afford a slightly nicer make or newer model! Utilize the NADA appraisal tool to find the approximate trade in value of your vehicle and compare similar models side by side to ensure you’re getting the best deal.

Get Your Dream Car

By utilizing the New Vehicle Builder Tool, you’ll be able to research and build your dream car equipped with any and all the bells and whistles you’d like. You can then submit this vehicle to AutoTrek who will search high and low for your exact specifications. Once found, AutoTrek will take care of all the negotiations and deliver the vehicle to you at the best price possible.

RMLEFCU Auto Loans

So now you’ve got your dream car at the best price possible, but how are you going to pay for it? At RMLEFCU, we’re all about making the car buying process as simple as possible, so we offer competitive auto loans only available to members with no payments for the first 90 days! We’re making it easier than ever to get you into a brand-new ride at the lowest possible price, so what are you waiting for? Check out our website for more information and apply online today!

08 Sep

8 Ways to Protect Your Identity

8 Ways to Protect Your Identity

Having your identity stolen is not only unsettling, but can take years of frustration and red tape to fix. It will likely take a major toll on your credit score, wallet, and even well-being. To help avoid this nightmare from happening to you, we’ve compiled a list of the 8 best ways to protect your identity.

1. Protect your Social Security number.

This simple number can give thieves access to your credit reports, bank accounts, and a number of other pieces of important personal information. Don’t keep your Social Security Card on your person, in your phone, or anywhere it can be easily stolen. Your card should be stored in a secure location and digits kept a secret.

2. Use strong passwords and change them frequently.

Avoid using easy-to-guess passwords including birthdays, common phrases, and names of schools or workplaces. Strong passwords usually consist of a long combination of letters and at least one uppercase letter, number, and symbol. It is best to use different passwords for all accounts and change them frequently to avoid being targeted.

3. Monitor and review financial statements.

Periodically check the vendors and retailers on your credit and debit card statements to ensure you recognize them. Report any suspicious activity or charges to your bank or credit card company as soon as possible.

4. Destroy records and credit card statements.

Make sure you shred documents containing sensitive information and, if you are keeping hard copies for your records, store them somewhere secure. Don’t throw away bank or credit card statements as they may contain private financial information that could be used by identity thieves.

5. Don’t fall for phishing scams.

Don’t give out personal information to unknown callers, in email, or to unfamiliar websites. These scams usually claim to be from a trustworthy company that you know, like a bank or popular company. It is always better to double check that an inquiry is legitimate by calling the company yourself and verifying before giving out any personal information.

6. Secure your mobile device.

Although phones are easy places to store information, avoid keeping passwords or important information in them, like bank account numbers or your social security number. Ensure the highest protection by locking your device with a passcode and don’t leave it unaccompanied in public places.

7. Check your credit report.

There are three major credit reporting bureaus that are required to give you one free credit report a year, each. Equifax, Experian, and TransUnion. Utilize them all and check your credit once every few months to keep up to date and review information. If you notice suspicious activity, contact your credit card company immediately.

8. Get Kasasa Protect™.

Worrying about identity and credit theft can be exhausting; that’s why we offer Kasasa Protect. Kasasa Protect is a comprehensive identity protection and restoration solution available to add to your RMLEFCU checking account. It provides you peace of mind by offering 24/7 credit monitoring, identity theft protection, restoration services, and more. Check out our account services to learn more and register today!

Although there are many more ways to protect your identity, by following these simple steps you can greatly decrease your risk of identity theft and fraud. It is better to be proactive in protecting your information than dealing with the headache of a stolen identity after the fact.