Balance

The most successful money managers are those who take the time to not only invest their money, but to also invest in their education about money.

Blue Chip FCU has partnered with BALANCE Financial Fitness to provide you with a series of education modules that will guide you through the core aspects of personal financial management. By completing these courses, you are moving toward financial success.

Money Management

Understand where you are spending your money today and create a plan for where you want it to go in your future. [Learn more]

World of Credit Reports

Your history of credit management can affect the cost of the credit you receive, your ability to rent or buy a home, the insurance rates you are offered—even your future employment opportunities. Create a positive credit standing that will allow you to achieve your goals quickly and inexpensively. [Learn more]

Credit Matters

Obtaining and using different types of credit instruments is part of almost every American’s financial life. It’s easy to make expensive mistakes that can follow you for a long time, so it is a good idea to learn how to borrow wisely from the beginning. [Learn more]

Checking Account Management

Whether you have a history of overdraft or non-sufficient funds charges or just want to know how to manage your first checking account, this module will give you the tools and information needed to become and remain a successful checking account holder [Learn more]

The Road to Homeownership

Buying a home is an exciting and challenging venture. With commitment, planning, and learning, you can become a successful homeowner. [Learn more]

Using Home Equity

Using your home’s equity can be a money-smart decision, but it is also a serious one that can have negative consequences if not done carefully. This course can help you make an informed choice. [Learn more]

Drive Away Happy

Shopping for a vehicle can be complicated and time-consuming. There are many questions that have to be answered and a mistake can be expensive. This program will cover the basic information you need to know to make the best decisions. [Learn more]

Identity Theft

Identity theft occurs when someone uses your personal information to commit fraud or other crimes. There are preventative measures you can take to substantially reduce the chance of identity theft occurring and steps you can take to minimize damage if you do become a victim. [Learn more]

10 Steps to Financial Success

Your income doesn’t necessarily determine how financially successful you are—your choices and priorities do. Being financially successful means you are in control of your money instead of it controlling you. [Learn more]

The Psychology of Spending

Psychologists have found that there are several forces that govern our consumer behavior and cause us to make decisions that are not necessarily rational or in our best interest. However, understanding why we buy what we buy can help us make better decisions in the future. [Learn more]

High Cost Financial Services

While there are many excellent financial products available that can help you achieve your goals, there are a few loans, lines of credit, and services to avoid because of their expensive fees and problematic terms. [Learn more]

The Basics of Investing

Unless you win the lottery, chances are that you will need to save and invest to obtain many of the things you want in life from a new home to a well-financed retirement. This module covers what you need to know to get started. [Learn more]

Financial Planning

Dedicating time to financial planning can help you protect the assets you have now and increase your wealth in the future. [Learn more]

Smart Tax Planning

Smart tax planning is not just claiming all of the deductions and credits you are entitled to so that you can get a bigger refund. It also involves thinking about and engaging in methods to legally lower your tax burden throughout the year. [Learn more]

Rebuilding After a Financial Crisis

There are many things in life that can derail even the best money management plans. With hard work and dedication, a healthy financial recovery and future is possible. [Learn more]

Financial First Aid

This course covers a five-step plan for handling a financial crisis and getting back on your feet. [Learn more]

Teens and Money

You have a whole lifetime to earn, save, invest, and spend money, but you probably do not want to wait a lifetime before learning how to do any of these things well. Learn how to make the most of every penny so you can achieve the financial independence you want. [Learn more]

Finances for College Students

Make sure monetary concerns don’t get in the way of your studies by fitting financial management into your schedule. [Learn more]

Repaying Student Loans

Student loan debt can be fairly large, and the monthly payments may take up a big chunk of your income. However, being educated about student loans and your options can make it easier to repay them. [Learn more]
 
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