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Financial Literacy

Saving as an Everyday Routine

Saving money in a jar

June 12, 2019 If your big picture goal is to save towards that dream vacation to Hawaii or that sports car you want to drive with the top down, you should first take a look at your daily expenditures. When you add up your daily grind expenses you may be surprised at the amount of…

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Elder Fraud is More Common Than We Think

Senior couple reviewing finances

June 11, 2019 Senior financial exploitation and fraud is the illegal or improper use of a senior’s resources for another’s profit or advantage. Exploitation usually involves someone the senior knows, such as a family member or caregiver. Fraud is usually perpetrated by a stranger, such as a telemarketer or investment promoter. Experts in elder fraud…

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Wintertime Tips for Spring Home Buyers

Spring flowers in a vase, on a table.

February 13, 2019 By April Gleason, VP of Lending In the middle of a cold Maine winter, it’s easy to find yourself longing for the refreshing warmth and feeling of opportunity that arrives with spring. If you’re thinking about buying a home this spring, you may be feeling extra antsy for the snow to melt…

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Top Tips for Sticking with Your New Year’s Financial Resolutions

New year 2019

February 10, 2019 By Stacey Young, AVP of Retail Services It’s February, and chances are, your New Year’s resolutions to save more, pay down debt, and spend less have already fallen to the wayside despite the best of intentions. You may be asking yourself, “How does this always happen?” You start the year enthusiastic and…

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A Lender’s Advice to First-Time Home buyers

Moving into new house

September 18, 2018 By April Gleason – Vice President of Lending Here in Maine, we enjoy one of the highest rates of homeownership in the country at over 71 percent as of 2017, according to the U.S. Census Bureau. This isn’t surprising considering Maine’s rental market is among the least affordable in the nation, according…

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Financial Spring Cleaning Tips

March 20, 2017 By Lesley Ridge, Campus Branch Manager, USM Brooks Student Center, Gorham When the calendar says March 20th, we all know what that means-The First Day of Spring! Definition of SPRING: The season after winter and before summer; A sudden jump upward or forward. To many of us, the Spring Season signifies more…

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Budgeting on Campus

February 13, 2017 Making a budget is crucial to financial success at all stages of life, and getting comfortable with budgeting early in your college career will help you in the future! Your budget will have two important components: income and expenses. It seems simple enough, but it’s easy to get tripped up when you’re…

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Budgeting Basics: Types of Expenses

December 6, 2016 You’re ready. You’ve got your spreadsheet open, you’ve got your last three bank statements spread across your desk, and you’ve read and reread all of UCU’s Prepare: Financial Literacy Blog posts. You are doing this budget thing and you are doing it now! Financially literate student that you are, you know that…

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Eating Healthy on a Budget to Reduce Stress

November 15, 2016 By Lesley Ridge, Campus Branch Manager, USM Brooks Student Center, Gorham There are a lot of stressors in everyday life. One way to keep your stress down is to eat healthy and stay on budget. Sometimes it seems easier to not think about it, and just grab and go, right? Wrong! Over…

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Managing Finances with Club Accounts

October 14, 2016 Using UCU club accounts has helped many members budget out their expenses every month. It’s an easy way to separate finances, and each club account can be named something different so members can better keep track of them. Once members figure out how much is needed to put away with each paycheck,…

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