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7 tips to improve your finances

Start your New Year on the right financial path by following these seven tips.

1. Create a budget

You can set financial goals and track your spending with an annual budget. Start by listing your monthly expenses then check your computer for free budget software or search for free budget tools online.


2. Schedule a financial counseling session

Credit Union of Ohio offers free financial counseling for members. Just like regular checkups for your health, your finances need a checkup too! Email to set up an appointment.


3. Plan for expected expenses

Think about what is coming up this year that you will have to spend money on—vacation, summer camp for the kids, Christmas? Start setting money aside now, in small amounts, so that when the time comes you’ll have it covered. We can help you set up automatic withdrawals or paycheck deductions on a monthly basis.


4. Pay more than the minimum balance on your credit cards

If you can afford it, you should pay more than the minimum payment on your credit card each month. You may save hundreds of dollars by paying down your balances as soon as possible.


5. Review your credit report

You can check your credit report for free three times a year, once from each credit bureau. Put a reminder on your calendar and check every four months to make sure it is accurate and also to prevent identity theft. Get your free report here.


6. Learn more about your credit score

Do you know what credit actions can raise or lower your credit score by 10–100 points in a short period of time? Inform yourself by checking out these credit tips!


7. Transfer high-interest balances

Carrying a balance on a high-interest rate credit card? Consider looking into a balance transfer. Transferring your balances to a Credit Union of Ohio Visa Platinum credit card is simple and affordable with no transfer fees.




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