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December 2021 Archive for MoneyDig

By: AgFed Credit Union

Welcome to AgFed Credit Union's MoneyDig blog!

Get confident about your personal finances with a number of articles, tips, advice and more.

How Can I Make New Years Resolutions That Stick?

Dec 29, 2021

Every December, I draw up a list of New Year’s resolutions that look depressingly similar to the ones I wrote last year. How can I make things different this year?

10 Ways to Save More in the New Year

Dec 27, 2021

The New Year is a great time to set goals and start fresh. Even if you’re not the best at saving money or cash always seems to be tight, we have ten tips to help you quickly boost your savings this year.

The Good, the Bad, and the Ugly of Credit Card Churning

Dec 20, 2021

The term “credit card churning” refers to the act of repeatedly opening credit card accounts to earn the cash rewards, points, and miles that are awarded as signup bonuses. Then, once you’ve met the minimum requirements to receive your rewards, you close the cards before annual fees come due. While the practice promises quick rewards for cardholders, it also poses significant risks. Here’s what you need to know about credit card churning.

Home Values are Up. So Is Your Equity.

Dec 16, 2021

Tapping into your home’s equity is a great way to enhance your finances and build even more value in your home. Whether you’re interested in upgrading your house or consolidating debt, the longer loan terms and lower interest rates of home loans are sure to benefit you financially.

How to Spot a Credit Repair Scam

Dec 13, 2021

Repairing your credit can be an uphill battle. You’re looking at months of hard work, negotiating with creditors, reworking your budget and identifying the factors that are making your credit score lag. In short, it’s a hassle and it takes lots of time. There are legitimate credit repair companies, but without educating yourself, finding them instead of the scammers who only want your money can be tricky.

Tips for Lowering Stress During the Holidays

Dec 08, 2021

While the holidays are a time for cheer and spending time with family, many also experience heightened levels of stress. With all that has happened this year, you may find yourself more overwhelmed than usual as the holidays approach. However, there are things, even in these unsettling times, you can do to help reduce your stress during the holidays. Below are some tips to help you get through the holidays as stress-free as possible.

7 Naughty Holiday Scams to Watch Out for This Holiday Season

Dec 06, 2021

‘Tis the season to be jolly! And unfortunately, ‘tis also the season for scammers to go after your hard-earned dollars. Keep your money safe by reading up on the most common scams taking place this time of year and practicing caution.