Bellwether's Blog on life and money
5 smart tips to fight those impulsive shopping urges.
Impulse buying is the scourge of every budget everywhere. Whether it’s small purchases over time that add up or one big purchase that you just have to have, the urge to spend and buy can be overwhelming and at times seem so harmless. So how do you break the habit and learn how to say no to yourselves? Here are a couple of strategies to fight against our shopping impulses and use better judgement.Read More
Be Prepared, Because Life Happens
An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place.
Of those who do have an emergency fund, up to two-thirds do not have the often-recommended six months' worth of expenses saved up.Read More
What fits your needs—a personal loan or a credit card? Get started by trying our calculator.
Sometimes savings just aren’t enough and your dreams are bigger than your bank account. Other times you may be experiencing a financial emergency and be in need of funds to solve an immediate problem. Today’s world has many solutions and the first ones that may come to mind are loans and credit cards. But which route is best for your situation? We’ll look over the good and the bad of both to help narrow it down.Read More
Keep or Toss: How Long Should I Hang Onto My Financial Documents?
Every year, it's nice to do a bit of "financial spring cleaning" and declutter your filing cabinet, your desk drawers, and the various hiding places where miscellaneous scraps of paper tend to accumulate and multiply. Read on to find out what you should be saving, and what's OK to shred.
Pay a Friend is Bellwether's latest transaction service that allows members to, well, pay a friend! Under "Transactions" in Online Banking, Pay a Friend lets you send money to anyone as long as you know their name and either their cell number or email address. You do NOT need to know the banking information of whoever you are paying; the person on the receiving end will enter their own banking information.
In most cases the transfer will be instantaneous! However, if the institution on the receiving end does not accept debit card deposits, they can still receive funds via Automated Clearing House (ACH). This method generally takes a business day or two longer for the deposit to go through.
For more information on Pay a Friend click the following link www.bccu.org/index/introducing-pay-a-friend. If you have any questions, or encounter any problems, please reach out to our contact center at 603-645-8181.