BLOG - NEFCU - CUshine

Deadline Extended on Making a Difference College/Community College Scholarships!
February 1, 2016
( 0 ) COMMENTS
+ POST A COMMENT


140090129NEFCU is proud to offer its Making a Difference College and Community College Scholarships! Up to five $1,500 and five $1,000 grants will be awarded respectively to student enrolled at an accredited college/university or community college who are either members, or have a parent or guardian who is a member of NEFCU.

It’s easy to apply! Students should review the eligibility requirements and complete the online application at www.myNEFCU.org/scholarships. The deadline has been extended through FEBRUARY 15, 2016. To learn about NEFCU’s scholarship programs, call 1-888-773-1457 or visit www.myNEFCU.org. Apply today!

Share


// Categories: College Life
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



4 Habits That Are Emptying Your Wallet
January 28, 2016
( 0 ) COMMENTS
+ POST A COMMENT


200397972-001Not only do we all want to save money, we all need to save money. Failing to plan for the unexpected and planning to fail the unexpected. From a flat tire to a raise in your tuition bill, you never know when you’re going to run into your next accident or unexpected cost. Prepare for your unfortunate moments by getting rid of 4 habits that are draining your bank account.

Trips to the Coffee Shops: Your daily Dunkin Donuts trip is taking a toll on your wallet. A $1.00 donut paired with a $3.50 medium hot chocolate seems like a little, but after 4 stops a week it adds up to $18. At the end of the month, $72 is missing from your bank account and a couple of pounds are added to your body.
Resolution: Make coffee at home and take it on the go. Studies show that we spend more money when we’re hungry. Eat breakfast before heading out. You’ll save a lot more money.

Serial Out-to-Eater: Many of us are repeat offenders of 2 habits – 1) eating out often and 2) indulging in pricey meals. Over 50% of Americans eat out at least once a week. Bottom line – you save more money when you eat at home.
Resolution: I hate to be a party pooper, but opting for affordable meals is the smart thing to do. Eat what you can afford, not what you’re craving at the moment. You’ll thank yourself later.

Indulging While Grocery Shopping: Entering the grocery store can be like entering a wonderland – especially when you’re hungry. I’m sure you know this by now, but all stores, from clothing to food, are strategically set up to encourage extra spending. Just think about it. Why are food essentials like milk or meat positioned in the back of the store? In order to get the items that you need, you must walk through aisles with items that you may want. This gives you enough time to reevaluate what you want to buy.
Resolution: Make a shopping list before you head to the store. This will help you prevent falling into any of the store’s strategic traps. Also, eat before you shop. Many studies show that you spend more money when you shop hungry. You overestimate the amount of food you need.

Weekend Fun with Friends: Friday comes and you’re ready to head out with friends. Between Friday and Saturday, you manage to spend anywhere from $20 to $100 on movie tickets, trips to the mall and a party.
Resolution: There are a lot of fun things you can do for FREE. Yes, free. All you have to do is your research. There are plenty of websites, such as NYCgo.com and TimeOut.com that are dedicated to providing you with the most fun for free. I’m not talking about boring activities either. There are plenty of events, shows and museums that offer free events. Aside from that, you can opt for a fun night in with your friends.

 

Share


// Categories: College Life,Saving & Budgeting
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



4 FREE Activities for College Students
January 14, 2016
( 0 ) COMMENTS
+ POST A COMMENT


480351583 Money SavIf the word “free” sounds like music to your ears, keep reading! When you’re a college student and you’re running low on money, you discover plenty of fun, affordable ways to have a good time. Here are 4 free activities you can take advantage of with your friends.

1. Go Museum-Hopping: Museum anyone? Museums across the country offer discounted prices for college students. All you have to do is show your student ID card to score big. It doesn’t stop there! Many museums have designated days for free admission. For instance, Fridays from 4-8 pm at the Museum of Modern Art and the first Saturday of each month at the Brooklyn Museum are free to the public. The next time you’re looking for something creative to do, search for the next free admission day at your favorite museum.

2. Spend a Day at the Park: This sounds self-explanatory, maybe even silly, but parks are wonderful places to spend the day. Whether you want to have an awesome picnic or organize a cool game day with your friends, visiting the local park is definitely something to consider. Let’s be honest – Central Park is a popular tourist site for this very reason. Be creative. A day at the park can easily become a memorable event with your friends. If you’re ever in NYC visit Highline Park – it’s absolutely gorgeous.

3. Visit Your Local Thrift or Book Store: Now, this isn’t an event per say, but visiting various thrift and book stores can easily become a fun activity. You don’t have to necessarily buy anything, but it’s always fun to go into these stores and check out the unique, odd and quirk items they have. The best part is – if you want to buy something, it’ll be at a great price.

4. Explore the Streets of NYC: Walking throughout New York City is an activity that never gets boring and always promises adventure. When you’re open and up to the adventure, you’re bound to find awesome hole-in-the-wall stores, discover interesting restaurants and happen upon cool stores. Dedicate your afternoon to unraveling one of the best cities in the world!

Share


// Categories: College Life,Saving & Budgeting
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



5 Ways to Stick to Your New Year’s Resolutions
December 17, 2015
( 0 ) COMMENTS
+ POST A COMMENT


ThinkstockPhotos-479386451 SuccessThe mark of the New Year inspires thousands to set awesome goals for the year ahead. But let’s get real – did you achieve your new year’s resolution set last year? Despite our high hopes, we often push aside or merely forget our resolution after March 1st. Just take a look at any Planet Fitness on January 1st versus March 1st. Whether your goal is to lose weight or achieve a 4.0 this semester, employ these 5 S.M.A.R.T. strategies to knock out your new year’s goals!

S pecific
Exercise 2 times a week vs. Lose weight 
You have a better chance of achieving your new year’s resolution when it’s specifically and clearly defined. Wanting to lose weight sounds like a good idea, but how often do we say that and do nothing? Goals that are generic and vague are hard to accomplish because they’re hard to pinpoint. Break down your new year’s resolution by establishing small, achievable tasks that align with your larger goal. For instance, exercising 2 times a week is a clearly defined goal that will aid your ultimate weight lost goal.

M easurable
Read the SAT study book four times a week for 60 minutes over 8 weeks vs. Pass the SATs
If you can’t measure it, you can’t manage it. Again, it’s nice to think of a great goal you’d like to achieve, but without establishing concrete criteria you won’t achieve it. When you’ve established the parameters, you can measure your progress, stay on track, reach target dates and experience the thrill of success!

A ttainable
Create a YouTube channel featuring singing videos vs. Win a Grammy award
Setting achievable goals is important. You don’t want to sign up for a race that you know you can’t win. This calls for honesty. Be realistic about what you want to achieve based on the circumstances available, such as deadline, job or financial status. Be flexible enough to adjust your goal to what you’re striving to accomplish.

R elevant
Save 10% of each paycheck vs. Become a millionaire by next year
Let’s be realistic – will you be able to achieve your resolution in 12 months? When creating goals you should consider the factors that both aid and block you from achieving your goal. Let’s be real – if you’re making $10 an hour and you saved every bit of your check, it won’t amount to a million – at least not in this century! Instead, you can consistently save 10% of your paycheck and end up with a considerable sum of cash at the end of the year.

T ime-bound
Study in the library three times a week for 2 hours vs. Complete homework
Every SMART goal needs a deadline or else, you may never get around to working on it. When binding your goal to a time period, consider your priorities and time constraints. A goal without a deadline is merely a dream. Turn your new year’s resolution into a reality with an appropriate deadline.

Share


// Categories: Career Advice,College Life,Off Topic,Saving & Budgeting
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



7 Habit Changes That Will Rock Your Business in Unexpected Ways
December 10, 2015
( 0 ) COMMENTS
+ POST A COMMENT


Funny how change doesn’t have to be BIG in order to effect the desired result. Sometimes it’s the small changes – done on a regular basis – that can have the largest impact.

450795057 Bus GrowthCheck out these 7 habit changes that can make a positive difference in your day-to-day business.

 

 

Share


// Categories: Career Advice,Self Employment,Starting a Business
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



5 Ways to Stop Procrastination and Make Sure Things Get Done
November 24, 2015
( 0 ) COMMENTS
+ POST A COMMENT


We’ve all been there – waited until the last minute to get that ‘pesky project’ completed or put it on the back burner until there was no way to get it completed on time – or at least not  finished as well as we would have liked.

ThinkstockPhotos-479386451 SuccessRead on to learn these quick-and-easy tips on how to take control once and for all.

 

Share


// Categories: Career Advice,College Life,Off Topic
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



The One Quality All Successful People Have in Common
November 12, 2015
( 0 ) COMMENTS
+ POST A COMMENT


Let’s face it – part of the learning process is failing so we can learn ‘how to do it better’ next time. It’s how we learn to handle these personal and professional obstacles that make us the successful, determined individuals that we are.

167625444Read on to learn how best to manage these obstacles and enable yourself to take the next step forward.

 

Share


// Categories: College Life
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



How to Make Your Stress Work in Your Favor
October 29, 2015
( 0 ) COMMENTS
+ POST A COMMENT


Sometimes, stress can seem like a full-time job. Many of us try to avoid it or, failing that, manage or mitigate it. But Kelly McGonigal, a lecturer at Stanford University and author of The Upside of Stress, makes the case for embracing the stress in your life.

“We have this story about stress that says when stress is present, there’s something wrong with me or something wrong with my life,” she says. But the reality is that there’s no stress-free version of your life available to you—it’s always going to be there.

“Often, the reason we have stress in our lives is because we’re leading rich lives and something we care about is at stake,” she says. Constantly avoiding or reducing stress could mean not striving for certain goals or taking risks that could lead to great rewards, such as a new job or relationship.

ThinkstockPhotos-492145689 DestressInstead, McGonigal advocates changing our attitudes about stress and embracing it. That’s easier said than done, but following several steps can help.

Share


// Categories: Career Advice,College Life,Health,Self Employment,Starting a Business
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



5 Ways to Handle a High Pressure Meeting
October 15, 2015
( 0 ) COMMENTS
+ POST A COMMENT


We’ve all experienced this at one time or another…You walk into a meeting expecting it to be business as usual, when suddenly it turns into an extremely high-pressure situation.

ThinkstockPhotos-490690161 StressCheck out these 5 simple techniques that can help you keep control of the situation and move toward a successful resolution.

 

Share


// Categories: Career Advice,Self Employment,Starting a Business
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



7 Reasons You May Not Be Seeing Business Growth
October 1, 2015
( 0 ) COMMENTS
+ POST A COMMENT


Why is it that some businesses experience amazing growth in a relatively short period of time while others struggle with even the basics?

200397972-001Check out the 7 biggest reasons you may not be seeing the growth that your peers are seeing.

 

Share


// Categories: Career Advice,Self Employment,Starting a Business
// Tags:

NEFCU NEFCU NEFCU NEFCU NEFCU NEFCU



Older Posts »