Space Age Blog

College can be one of the most exciting and rewarding experiences of your life, but the truth is, becoming more independent means facing its own new challenges. One of the most challenging aspects of college life is managing your own finances, since it’s often unchartered territory and you may have limited funds.

While summertime living may be easy, it’s also quite expensive if you’re not careful and unfortunately our expenses don’t take a vacation. Many expenses increase, which wreaks havoc on a budget.

One of the most valuable lessons you can teach your children early on is one of financial literacy. Let’s look at practical lessons you can provide your kids so money management lessons won’t feel so overwhelming.

If you’re struggling with high-interest debt, such as debt from credit cards, medical debt, or personal loans, it may be time to consider a consolidation loan. Debt consolidation can provide a streamlined approach when dealing with multiple debts, plus possibly save money in the long run on interest.

Taking over the care and financial management of aging parents is a challenging and emotional responsibility, but one many of us eventually face. This situation often involves planning on three levels: managing finances, making healthcare decisions, and overseeing daily living activities.

If you’ve changed jobs multiple times, chances are you’re juggling multiple retirement accounts from past employers. While leaving your funds in an old employer’s plan is an option (as long as the balance is over $5,000), consolidating your accounts through a rollover could simplify managing your retirement portfolio.

If you’ve struggled with spending more than you earn then you should know you’re not alone. The good news is, with a bit of focus and intention, it’s possible to break this cycle of overspending. Let’s talk about how you can regain control of your finances with actionable steps based on practical and basic budgeting principles.

The holidays are here, bringing that familiar urge to spend a little extra on the people we love. It’s a good feeling…until the bills arrive. If you've ever found yourself dreading your January credit card statements, you’re not alone. With thoughtful planning, you can keep your holiday joy intact without taking on holiday debt.

Holiday season can bring on a new level of stress, but it doesn’t have to be this way. With a bit of planning and some creative strategies, you can breeze through your shopping list, make it easier on yourself, and actually enjoy the season.

You’ve thought about it since you were young and now the time is finally here to enjoy your retirement. You’ll still have to keep solid budgeting principles in mind though as you begin this new phase of life. Budgeting during retirement can feel overwhelming, but with a few simple steps, you can manage your money and make the most of your savings.

Holiday travel season is near, and peak prices already tell that story: nearly 75% of Hopper customers say that as they book travel this year, they plan to spend the same or more than what they shelled out last year. If this sounds uncomfortably familiar, don't panic! Even if you’ve waited until the last minute, there are ways to trim down on steep travel costs.

As education expenses continue rising, millions of students turn to student loans to help ease some of the burden these costs can bring. Federal and private student loans offer numerous advantages, including flexible repayment plans and lower interest rates. Many borrowers may not realize what education-related expenses you can use the funds for.

You have a brilliant idea you can’t wait to get off the ground. Nothing can stand in your way except one thing–your genius idea needs funding. While funding can be challenging, it doesn’t have to be a roadblock. Instead, keep these steps in mind and consider securing funding through a startup business loan.

With the mortgage interest rate landscape continuously changing, you may be wondering if refinancing your current mortgage rate is a smart move. Only you can decide if a refinance works for your financial situation, but it’s helpful to consider the refinancing costs and potential benefits you could experience.

Navigating the world of auto loans can seem daunting, especially with options like dealer financing and credit union financing. This guide aims to demystify these options, offering you the clarity you need for your next car purchase.

Launching into the world of finance can feel overwhelming, especially when you're just starting your career. But understanding the basics of secured and unsecured loans can make a big difference. Getting familiar with these loan options is crucial for building a strong financial foundation as you step into the workforce.

Managing your credit score may feel like a mystery, but you do have control. If you have questions about the impact of a loan from Space Age Credit Union with your credit score, then contact us today.

If you’re in the market for a new or used vehicle, then you’ve likely wondered what financing option makes the most sense. With new and used vehicle costs soaring in recent years, you may turn to an auto loan so you can incorporate the vehicle expense into your monthly budget.

At Space Age Credit Union, we believe in empowering local entrepreneurs and small business owners. We understand the challenges of starting and expanding a business, which is why we offer a range of lending solutions tailored to meet your unique needs.

A Money Market Account, or MMA, is a type of savings account where you won’t have to choose between growth and accessibility–your balance earns interest and you can access it any time.