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An emergency fund is a specific amount of money that you set aside for periods of uncertainty or suffering. One example is your HVAC breaking in the middle of the summer. Many people don’t even know about the significance of emergency funds until something breaks. Then, once people realize how often disasters, damage, or other inconveniences can strike at any time, preparedness becomes a crucial part of their lifestyle.

Check out our latest blog concerning fraud and what scammers are doing to try and swindle you out of your hard-earned money.  At Piedmont Advantage Credit Union we monitor and help fight against fraudsters.  We hope this information helps you defend yourself from falling victim to fraud. 

Using the equity in your home to pay off unsecured debt and/or make home improvements can be a hard financial decision. Low annual percentage rates, tax-deductible interest, and streamlining your monthly payment makes second mortgages extremely attractive. Meanwhile, using your home for collateral is a decision that should be weighed carefully.

Get a fresh start by paying old debt!  Learn some simple things you can do to help make that fresh start possible and get one step closer to financial freedom!

Once you have determined how much you would like to spend on your next car, a recommended next step is to decide between buying new, buying used or leasing. Knowing a few of the positives and negatives of each will help you to decide what will be best for you.

Four Tips to Take Control of Medical Debt.  Avoid that Ominous Rain Cloud.

Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.

Imagine it’s January. You’re taking down holiday decorations, wondering what the new year will bring, and then it hits you, an overwhelming sense of dread as you think about the looming credit card debt from your holiday spending. If this is an all-too-real scenario for you, here are a few tips on how to make it through the season of spending without incurring a load of holiday ...

One of the first steps toward real freedom (and adulthood) is having a checking and savings account in your own name. These accounts allow you to save money, make purchases, and pay bills efficiently. Both, however, require you to take an active management role, so that you can achieve your goals and avoid errors.

Because of the high cost of most real estate, very few people can purchase a home with savings alone. Therefore, if you are like the vast majority of people, you will be borrowing money from a financial institution to purchase the property you want. Called mortgages, these loan products can be quite complicated. Knowing the basics of how mortgages work can help guide you to the loan that is most appropriate for you.