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Lost and Found
10/27/2022

Lost and Found 

What to do if you lose your wallet or purse. Losing your wallet or purse can be a frustrating experience. Your credit cards, ID, keys and cash are all seemingly out there in the world for anyone to find. Despite the feeling of helplessness, there are ways to mitigate the damage. Here are some steps to take immediately after losing your wallet or purse.

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Four mistakes to avoid as a first-time home buyer
10/27/2022

Four mistakes to avoid as a first-time home buyer

Don’t fall into these traps when purchasing your first house. Searching for your first home can be exciting and sometimes a little scary. It’s generally the largest expense most people will ever make, so it really pays to do your homework, and arm yourself with knowledge and a team of professionals who can help you avoid the pitfalls some first-time homebuyers find themselves making.

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Smart App
10/27/2022

Smart App

How to protect yourself from cash app scams. Cash apps like Venmo, Zelle and CashApp are great for their convenience. But as with all things involving money, scammers are lurking in the shadows. Here’s how to keep yourself (and your money) safe when using cash apps.

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Going Back to Basics
9/29/2022

Going Back to Basics

Since starting this blog in 2020, we've covered a wide range of topics. It has been fun doing deep dives into the world of personal finance. All this big thinking, though, can cause us to gloss over basic financial principles. 

Read more

Filing Taxes
2/28/2022

What You Need to Know About Filing Your Taxes This Year

It’s tax season again!  Do you dread filing your taxes each year? We don’t have any secrets for making the process more fun, but we do have some tips that will hopefully make it a bit easier. 

Read more

No Spend Challenge
10/30/2021

No Spend Challenge

Hi my name is Olivia and I am a total clothes horse. I buy for a mixture of reasons, including being a spin instructor so always “needing” new workout sets or severely overestimating the amount of times I go outside my house. In reality, I wear the same t-shirt and sweatpants every day (yay for working from home!). Essentially, I have spent so much on clothes that my bedroom has started to look like a TJ Maxx popup shop. 

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Blog Slideshow

Lost and Found
10/27/2022

Lost and Found 

What to do if you lose your wallet or purse. Losing your wallet or purse can be a frustrating experience. Your credit cards, ID, keys and cash are all seemingly out there in the world for anyone to find. Despite the feeling of helplessness, there are ways to mitigate the damage. Here are some steps to take immediately after losing your wallet or purse.

Read more

Four mistakes to avoid as a first-time home buyer
10/27/2022

Four mistakes to avoid as a first-time home buyer

Don’t fall into these traps when purchasing your first house. Searching for your first home can be exciting and sometimes a little scary. It’s generally the largest expense most people will ever make, so it really pays to do your homework, and arm yourself with knowledge and a team of professionals who can help you avoid the pitfalls some first-time homebuyers find themselves making.

Read more

Smart App
10/27/2022

Smart App

How to protect yourself from cash app scams. Cash apps like Venmo, Zelle and CashApp are great for their convenience. But as with all things involving money, scammers are lurking in the shadows. Here’s how to keep yourself (and your money) safe when using cash apps.

Read more

Going Back to Basics
9/29/2022

Going Back to Basics

Since starting this blog in 2020, we've covered a wide range of topics. It has been fun doing deep dives into the world of personal finance. All this big thinking, though, can cause us to gloss over basic financial principles. 

Read more

Filing Taxes
2/28/2022

What You Need to Know About Filing Your Taxes This Year

It’s tax season again!  Do you dread filing your taxes each year? We don’t have any secrets for making the process more fun, but we do have some tips that will hopefully make it a bit easier. 

Read more

No Spend Challenge
10/30/2021

No Spend Challenge

Hi my name is Olivia and I am a total clothes horse. I buy for a mixture of reasons, including being a spin instructor so always “needing” new workout sets or severely overestimating the amount of times I go outside my house. In reality, I wear the same t-shirt and sweatpants every day (yay for working from home!). Essentially, I have spent so much on clothes that my bedroom has started to look like a TJ Maxx popup shop. 

Read more

Car Ownership

How to Navigate the New & Used Car Market
7/11/2022

How to Navigate the New & Used Car Market

Car buying has never been for the faint of heart. Now, though, there’s a new challenge: inventory! On top of the usual wading through dense disclosures in ads, haggling at the dealership, and securing financing, you have to work a lot harder to find a car!

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Buy a New Car…and Never Miss a Beach Day!
6/30/2022

Buy a New Car…and Never Miss a Beach Day!

Life is busy. Not enough hours in the day, right? But even when you’re not busy, it would be nice to enjoy what little down time you have. So when shopping for a new car feels like ONE MORE THING on your to-do list, let the experts check it off for you!

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GAP Insurance Might be Your Hero
5/10/2022

GAP Insurance Might be Your Hero

If you’re ever in a car accident, GAP insurance could truly save the day when it comes to protecting your finances. This type of insurance covers the “gap” between how much you owe on your auto loan and how much the car is currently worth if your automobile gets totaled. Here’s what that might look like in real life…

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Car Shopping With Confidence
8/27/2021

Car Shopping With Confidence

Here’s a big secret that could save you some money: auto financing is not just about the loan. When you control the financing, you control the deal! In this blog I’m going to share how you can walk into a car dealership with confidence and get the best deal without falling for any expensive tricks.

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New vs. Used: The Car Buying Debate
7/14/2021

New vs. Used: The Car Buying Debate

You’re ready for some new wheels, but should you buy new or used? There are passionate arguments on both sides, so you have to take your needs, wants, and budget into account while making this important decision.

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Does Leasing a Car Make Sense?
3/27/2021

Does Leasing a Car Make Sense?

If you’re in the market for some new wheels, you may be confused about leasing. Is it better to lease or buy your next car? There are passionate arguments on both sides, so you have to take your needs, wants, and budget into account while making this important decision. Below are some pros and cons of leasing– we’ll leave it up to you to decide which is best for you.

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Reading Between the Lines of Car Commercials
2/5/2021

Reading Between the Lines of Car Commercials

Besides the Super Bowl, February is known as a huge month for car sales. If you tune in to watch the big game, you’re likely going to see a ton of car commercials. Car commercials and car advertisements are a great way to learn about what’s available on the market. However, just like any other product, if the ad seems too good to be true… it is. Here are some things to look for when watching or reviewing an automobile advertisement:

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Tips & Tricks to Pay Less for Your New Car
2/1/2021

Tips & Tricks to Pay Less for Your New Car

February is a BIG month for car sales!  You’ll find many Presidents’ Day special deals from the auto makers, car dealerships and financial institutions.  Before you shop for your new car, here are some smart strategies to help you drive home with the right car and the best deal!

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Car Insurance = Protection
10/8/2020

Car Insurance = Protection

Even if you’re a fantastic driver, you’re surrounded by other drivers every time you hit the road—and they may not be skilled, alert, focused, sober or even awake! Did you know that MILLIONS of car accidents happen in America each year?

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Why Consider GAP Insurance & How to Save Money on it
10/1/2020

Why Consider GAP Insurance & How to Save Money on it

This type of insurance covers the “gap” between how much you owe on your auto loan and how much the car is currently worth if your automobile gets totaled.  For example*, imagine that you purchased a new car and took out a loan for $31,000. Unfortunately, after 2 years, your car is totaled in an accident. Based on your loan, this is how the math would work:

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Smart Car Buying Strategies
2/5/2020

Smart Car Buying Strategies

Traditionally, February is a BIG month for car sales!  You’ll find many Presidents’ Day special deals from the auto makers, car dealerships and financial institutions.  Before you shop for your new car, here are some smart strategies to help you drive home with the right car and the best deal!

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College Bound

Private: New Benefit Helps Families Make Smarter College Borrowing Decisions
8/30/2022

Private: New Benefit Helps Families with College Borrowing

We’re excited to announce a new MVCU member benefit that helps families plan for college expenses and financing– it’s called Edmit. Going to college is one of life’s most significant opportunities. And it’s expensive! We’re giving you access to Edmit’s college planning tools so your family is set up for financial success.

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12 Money-Saving Tips for the Great College Sendoff
7/13/2022

12 Money-Saving Tips for the Great College Sendoff

#1  Before you buy anything for your teen’s dorm room, find out what the school already provides either in the room or somewhere in the building.  Some dorms have shared kitchen areas, vacuums that can be borrowed, etc.

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Squeeze the Most Out of Your Summer Before College
6/21/2022

Squeeze the Most Out of Your Summer Before College

You’ve received your college acceptance letters, graduated from high school, and maybe even had a big party to celebrate. Congratulations! While some students may be hitting the beach and taking time to decompress, you want to make the most of the next few months before going off to college. You’re smart! There are several ways you can maximize the summer break to put yourself in a much better position for your upcoming college career:

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Graduation Gifts They’ll Love!
5/3/2022

Graduation Gifts They’ll Love!

School graduations are major milestones. So it makes sense that you’d want to mark the occasion with a memorable, meaningful and useful gift.

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How to Pay for College - 4 Strategies to Fund Your Future
4/1/2022

How to Pay for College - 4 Strategies to Fund Your Future

Wow, that went by fast! It’s time to head off to college, but you and your family didn’t save enough for the educational experience you’re hoping for.  Now what do you do?! Don’t worry– it’s never too late. You can use a combination of these 4 strategies to help make your college dream a reality:

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Untangle College Payment Confusion
11/21/2021

Untangle College Payment Confusion

You successfully made it through the college application and admissions processes—congratulations! Now that you’ve found a fantastic school, it’s time to create a smart plan to pay for your education.

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Crying Over College Loans?
8/3/2021

Crying Over College Loans?

At one point in my post-grad career, I had to temporarily switch to an Income-Sensitive Repayment Plan. This option stipulated that the loan payments were going to be based on my annual income. I was only on this plan for about one year but I was paying almost $200 less than what my regular payments were supposed to be. 

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You CRUSHED Senior Year… Now What?
6/15/2021

You CRUSHED Senior Year… Now What?

You could spend this summer between high school and college vegging out, or you could use the next few months to get ahead. Here are some quick tips for making the most of this special summer:

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Summer Checklist for High School Seniors
6/6/2021

Summer Checklist for High School Seniors

This is the big summer, the last one of your high school career! At this time next year, you’ll have graduated and will be on your way to the next phase of your life. Life will change quite a bit, whether you go to college or trade school, take a gap year to volunteer or travel, join the military, or jump right into your career. Are you ready? Probably not, but there’s still time!

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4 Ways to Pay for College
3/16/2021

4 Ways to Pay for College

Yikes! It’s almost time for your child to go to college, and you didn’t save enough for the education you want to provide him or her. But guess what? Your goals may still be within reach with the help of a combination of resources. Before getting stressed out, learn about these 4 ways to pay for college:

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Cash for College: Options for THIS Fall
7/11/2020

Cash for College: Options for THIS Fall

So you’re college-bound, and before you even step foot on campus, your bank account is already worthy of “starving student” status.  You need money for tuition and expenses, but it’s too late to start saving now. Is there any hope? Yes!

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BabySteps Program Helps Families Start Saving for College!
1/23/2020

BabySteps Program Helps Families Start Saving for College!

Do you know about Massachusetts’ first statewide college savings program, BabySteps? The goal of this program is to ensure every family has the opportunity for future success! Starting January 1st, 2020, BabySteps will provide $50 towards every child born or adopted in the Commonwealth upon opening a 529 college savings account. This program is designed to help all parents save for their child’s higher education, and level the playing field for all children in Massachusetts.

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It’s Never Too Late to go “Back to School”
8/26/2019

It’s Never Too Late to go “Back to School”

Did you know it’s truly never too late to go “back to school” and learn something new? There are options in New Hampshire, Massachusetts and even online for adults who are ready to expand their knowledge! 

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MVCU Awards $9,000 in College Scholarships
5/4/2018

MVCU Awards $9,000 in College Scholarships

LAWRENCE, MASS. — Merrimack Valley Credit Union (MVCU) awarded $9,000 in college scholarships at its Scholarship Presentation night on May 3.  Six graduating seniors each received a $1,500 award in front of their family, friends, and MVCU employees at the credit union’s headquarters in Lawrence.

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Borrowing Money

Making Sense of Your Credit Score
2/10/2022

Making Sense of Your Credit Score

What makes up your FICO credit score? Where does it come from? What actions make it better or worse, and what does this mean to you? Let’s dive into the most common questions about credit scores:

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Meet Bev!
7/23/2021

Meet Bev!

Hello, my name is Bev and I’m here to help you reach financial success! Each month I’ll share quick videos with money-related tips and answers to your burning questions.

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4 Great Home Improvement Projects for Spring
4/28/2021

4 Great Home Improvement Projects for Spring

t’s official, spring is really here! Soon you’ll be opening windows to let in fresh air. Many families dive into spring cleaning and home improvement projects in the spring. Here are some home improvement projects that make sense this time of year:

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FICO – What it is and What it Means For You
4/12/2021

FICO – What it is and What it Means For You

What makes up your FICO credit score? Where does it come from? What actions make it better or worse, and what does this mean to you? Anthony Marino, Merrimack Valley Credit Union’s Senior Vice President of Organizational Development, answers these questions and more in this informative recorded seminar. 

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Gear Up Now For Your Next Camping Adventure!
1/1/2020

Gear Up Now For Your Next Camping Adventure!

There may be snow on the ground, but the warmer weather will be here before you know it!  If this is the year you hope to get a new RV for your family, check out the upcoming RV and Camping Expos coming to our area!

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3 Huge Reasons to Refinance Your Mortgage
7/12/2019

3 Huge Reasons to Refinance Your Mortgage

Has it been a few years since you purchased your home? Things may have changed for you since you made that commitment to a 30-year mortgage – your income and credit score could have gone up.  Interest rates may have gone down. Now is a great time to see if refinancing your mortgage makes sense for you!

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Business

Small Business Year End Success
10/26/2021

Small Business Year End Success

In addition to the usual chaos of the holiday season, year-end can bring a lot of anxiety to small businesses. They come face-to-face with the ambitious goals they created in January, for better or for worse!  Either way, now is the time to close out the year as strongly as possible and prepare for a successful New Year!

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Tackle the Competition While They’re on Vacation
7/1/2021

Tackle the Competition While They’re on Vacation

Summer is the perfect time for small businesses to gain a competitive advantage. It’s like overtaking a runner in a race while they’re stopping for a water break; you have an opportunity to gain an edge while others are slowing down. When the weather heats up, here are five ways you can get the edge on the competition:

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Small Business Mid-Year Review
7/7/2020

Small Business Mid-Year Review

Where to Focus in July to Ensure the Best December. The month of July signals the halfway mark on the calendar, and a time when things typically slow down for many small businesses. With customers and clients taking time off for vacation, it’s tempting to leave the office early to catch a game of golf or head to the beach for the weekend.

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Budgeting & Debt Reduction

Spring Cleaning your Finances
8/29/2022

Spring Cleaning your Finances

Spring is finally upon us! While most people are thinking about spring cleaning their homes, it is equally as important to think about cleaning your finances. Yes, just like that one crinkled shirt hidden in the depths of your closet that you promise “you will wear one day” – your finances need some reevaluating, too! So, where do we even start? Here are a few tips and tricks to start spring cleaning your finances:

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Creating a Spending Plan using the 50/30/20 Rule
8/29/2022

Creating a Spending Plan using the 50/30/20 Rule

Before we start, I already know what you’re thinking, “Olivia, you’re not good at saving money. Is this going to be a huge flop like the ’No Spend November‘ challenge?” And my answer: potentially. I always do my best to be transparent when it comes to money… and I am a work in progress! I cannot guarantee this spending plan is going to be my “a-ha moment” where I get my life and finances together, but it is worth a shot!

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Send Your Budget Back to School
8/9/2022

Send Your Budget Back to School

This is a great time of year to get organized and back on track. Something about the return of regular schedules after a nice summer break leaves many people feeling ready to take on the world. Still, going into the end of the calendar (and tax) year can also leave us a bit anxious about our financial situations.

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Budgeting on Vacation – Should You be Saving?
6/7/2022

Budgeting on Vacation – Should You be Saving?

It is officially summertime, you’ve put in the request for some time off at work and you’re ready for some much needed R&R! You finally start to plan out your vacation getaway, and then…  you see that the expenses are adding up quickly.  The last thing you want is to arrive at your destination and realize you’re out of money. So how do you plan a vacation without overspending, that also fits your budget?!

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The Ins & Outs of Credit Utilization Ratio
6/3/2022

The Ins & Outs of Credit Utilization Ratio

One of the biggest factors impacting your credit score is the credit utilization ratio. This is your total credit used divided by the total credit available to you. Your best strategy when dealing with this ratio is to keep it below 30 percent. If it goes above that number, you could be in trouble.

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Reel in Your Food Budget - Starting with Herbs
5/25/2022

Reel in Your Food Budget - Starting with Herbs

Did you know the average family of 4 spends $800-$1000 on food each month? Food is one of those sneaky budget items because it covers not only your weekly groceries, but any restaurant food, coffee or drinks on-the-go that don’t seem expensive until you add up the total at the end of the month.

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Easy Street - How to Make Financial Goals Easier to Achieve
5/3/2022

Easy Street - How to Make Financial Goals Easier to Achieve

Setting a financial goal is easy. Attaining that goal is the hard part. Here are some ways to make the road to your financial goal as smooth as possible.

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Budgeting. It is not a one size fits all.
4/20/2022

Budgeting. It is not a one size fits all.

If you’ve been a regular reader of the ThinkPink blog series, you should be well-versed on the importance of a budget. When it comes to saving money and having a plan, a budget is one of the best ways to take control of your finances and reach your financial goals. However, I’ve found that following through with a plan can be cumbersome and while there may be momentum in the beginning, eventually it fizzles out before a goal is even reached. Why is that?

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Don’t Blow Your Tax Refund (Do This Instead)
3/15/2022

Don’t Blow Your Tax Refund (Do This Instead)

Will there be a sweet tax refund check coming your way? Even though you may be excited about this lump sum of cash hitting your banking accounts, consider your options before going on a shopping spree. If you use this money to your advantage, you could improve your finances for long-term benefits. Here are some smart ways to spend your tax refund:

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Get Down - How to Lower Your Internet Bill
2/28/2022

Get Down - How to Lower Your Internet Bill

According to a recent study, the average American household spends $64 per month on internet service. If you’re looking to reduce that cost, here are some ways to do that.

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Go Big (Things You Should Always Buy in Bulk)
2/15/2022

Go Big (Things You Should Always Buy in Bulk)

According to a study from the U.S. Department of Agriculture, groceries are going to get more expensive. The report suggested prices will likely increase between 1.5 percent and 2.5 percent during the next year. One way to save on groceries is to buy things in bulk. Here are some items that are usually worth buying in bulk:

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Some Millennials are Retiring Early – What are Their Secrets?
2/8/2022

Some Millennials are Retiring Early – What are Their Secrets?

There’s a growing community of people who are strategically planning to retire much earlier than 65, 60, or even 50 years old.  These people are making radical changes to their lifestyles and financial plans. They are looking to achieve “financial independence” and to “retire early.”  Shortened to an acronym, that becomes F-I-R-E, and the FIRE movement is gaining popularity with millennials.

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Debt Consolidation Isn't a Dirty Word
1/8/2022

Debt Consolidation Isn't a Dirty Word

Guess what? You’re not the only one with debt. Most people are juggling several different payment responsibilities each month: credit cards, car loans, store charge cards, gas credit cards, personal loans and even student loans.

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Think Pink: Goals for 2022
1/7/2022

Think Pink: Goals for 2022

Is anyone else confused at how it is already 2022?! Growing up, I always felt that the years were so much longer. However, the older I get the more I realize how quickly each day goes by. I began my career at the credit union when I was young and fresh out of college. Now, I am in my late 20’s and my back pops when I bend over!

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Stop the Drip in a
12/20/2021

Stop the Drip in a "Leaky" Budget

Do you feel like just when you catch up…something hits your budget out of the blue? Like when you suddenly need new tires… or your refrigerator dies and you definitely need to replace it?  Just when you think you’re on top of everything, new expenses seem to pop up.

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Paying for the Holidays Without Racking up Credit Cards
12/12/2021

Paying for the Holidays Without Racking up Credit Cards

Did you know the average US adult spends over $700 a year on gifts? In addition, we often can’t help ourselves while we’re shopping for others, and we end up also spending money on ourselves while out shopping.  And that’s not even including the hundreds of dollars we spend on wrapping, cards, groceries, decorations, clothes and hairstyling for parties, and the gas, mileage, babysitting, and restaurant expenses it takes to get out and go shopping.

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No Spend Challenge Update
11/22/2021

No Spend Challenge Update

For some readers, the No Spend Challenge could be done with ease and that is awesome! For me, a No Spend Challenge is difficult. It is especially hard when participating during the month of November.  Let’s cue the smallest violin here, again. For starters, every store is now fully stocked with their transitional fall into winter pieces, which is arguably the best season for creating outfits. 

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Credit Card Theft: The Do's & Don'ts to Protect Your Information
9/27/2021

Credit Card Theft

Credit Card Theft can happen even when the card is still in your possession – the thief has obtained your number and security information and has created a new card with the same information. And it may just be the first step in obtaining other parts of  your identity.

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Smart Ways to Spend Your Tax Refund
3/9/2021

Smart Ways to Spend Your Tax Refund

Are you expecting a tax refund this year? While it can be exciting to have an unexpected chunk of cash suddenly available, consider your options before going on a shopping spree. You could use this money to your advantage and improve your finances for long-term benefits. Here are some smart ways to spend your tax refund:

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5 Strategies to Combat Holiday Debt
1/4/2021

5 Strategies to Combat Holiday Debt

Now that the holiday season is over, are you dreading the arrival of your credit card bills? Many people do most of their holiday shopping with credit cards—and the totals sure add up quickly! Here are 5 strategies to deal with the financial aftermath from Christmas shopping and prepare a plan for this year’s holidays.

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How Much Money Could YOU Save Each Month?
12/1/2020

How Much Money Could YOU Save Each Month?

Using debt consolidation as a tool to lower your monthly payments and interest If you’re like most Americans, you may be juggling several different payment responsibilities each month: credit cards, car loans, store credit cards, gas credit cards and even student loans. It can be overwhelming!

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Saving & Investing Money

My First 401(k)
8/29/2022

My First 401(k)

When you’re 25 years old, retirement seems so far away. Even though I have at least 40 more years in the work force (sigh) I still know that one day I am going to be burnt out from working 5 days a week- I already am! Eventually, I’ll need to stop working as hard as I am now to enjoy some relaxation except I can’t get to that point if I run out of money prematurely.

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Savings & Spin
8/29/2022

Savings & Spin

When I was young, I was gifted the coolest plastic safe. It was deep grey with a bright purple handle that you would spin to open and it had clinking sound effects whenever you opened the safe and deposited money. Since this was before I had a savings account, I threw all of my money in there until it would all fall out when I opened the safe. 

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How to Lend Money to Loved Ones
5/23/2022

How to Lend Money to Loved Ones

They say money and friends don’t mix, and there’s certainly some truth to that. However, life isn’t always black and white. One day you might find yourself in a situation where you are pondering lending money to a loved one. If that happens, consider the following before going through with the transaction.

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5 Steps to Raising Money-Smart Kids
4/6/2022

5 Steps to Raising Money-Smart Kids

Giving children an allowance can help them build better spending and saving habits. It’s hard to learn the true value of money without actually having some money to save and spend. That’s why setting aside a specific amount each week as an allowance for your children can be a good way to show them, among other things, that cash is a limited resource.

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5 Simple Money Saving Ideas
3/8/2022

5 Simple Money Saving Ideas

Was ‘saving money’ or ‘making more money’ on your list of New Year’s resolutions? Are you one of the millions of Americans who reach each payday with less than a few hundred dollars in your checking account, or even a completely empty checking account?

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How to Reduce Winter Heating Costs
2/18/2022

How to Reduce Winter Heating Costs

Winter is here, which means it’s time to start focusing on your heating bills. If you use gas to heat your home, inflation is going to make things tough. According to a study from the Energy Information Administration, you’ll likely spend about 30 percent more on heating costs this winter. No matter how you heat your home, there are ways to reduce the expense. Here are some tips that should help:

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How to Have Happier Holidays (with Less Debt) Next Year
1/4/2022

How to Have Happier Holidays (with Less Debt) Next Year

Maybe you are saving up for a big post pandemic vacation or a new home or both. Maybe you’re just done being — or at least feeling — broke every January. Whatever the reason, it’s possible to make it through the holiday season and live within your means so you can keep on stashing away cash for your short-term and long-term financial goals.

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Save Money with Homemade Halloween Costume Ideas
10/14/2021

Save Money with Homemade Halloween Costume Ideas

It’s that time of year again, when the weather starts getting cooler, and kids start getting excited about trick-or-treating for Halloween!  Have you noticed the specialty Halloween stores  popping up nearby your community?  Have no fear– you can make your own Halloween costumes and save some money in the process!

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Plastic Money
5/28/2021

Plastic Money

According to a survey from CreditCards.com, “47% of Americans are carrying credit card debt.” This statistic would make my grandfather furious if he heard it. He would often say to me, “Vivi, the world started to go downhill once they introduced plastic money!” Following my grandfather’s testament to the downfall of society, he would then tell me the story of how he used to always leave a wad of cash in his work locker for emergencies.

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Financial Resolutions for the New Year
1/1/2021

Financial Resolutions for the New Year

It’s a new year and a fresh start. Did you make any financial resolutions for the New Year?  Here are 3 common financial resolutions, and some ideas of how to actually accomplish them this year:

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Do You Want to be a Millionaire?
11/5/2020

Do You Want to be a Millionaire?

When you were a little kid, did you dream of being a millionaire?  Did it sound like a magical fantasy that would allow you to live a luxurious life? Well… experts are now warning that one million dollars may no longer be enough savings to fund your retirement, depending on your personal circumstances.

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10 Money Saving Tips for Back to School Shopping
7/24/2020

10 Money Saving Tips for Back to School Shopping

School shopping might look a little different this year, but here are some timeless tips for how to save money during the “back to school” shopping season.

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How Can Herbs Improve Your Financial Picture?
5/3/2020

How Can Herbs Improve Your Financial Picture?

Each May there’s a special “Herb Day” holiday in May, which was created in 2006 to encourage people to learn more about how to use herbs in their daily lives. So what does this have to do with your finances? 

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It’s not about luck…YOU could save $200 a month!
3/7/2020

It’s not about luck…YOU could save $200 a month!

How would your life change if you were able to save $200 a month? Did you know that’s less than $7 per day? It could be as easy as skipping a fancy latte and snack each day. If you make this a daily habit, save this little stash of money, and utilize it smartly… it can do wonders for your financial situation over time.

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Take Advantage of Your Member Rewards!
2/9/2020

Take Advantage of Your Member Rewards!

Did you know that there are special rewards available to you as a member of Merrimack Valley Credit Union?  Here are some of the fabulous benefits our members enjoy:

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Home Ownership

Add it Up
10/27/2022

Add it Up

Simple ways to add value to your home. It’s a seller’s housing market, but that doesn’t mean you have to be complacent about your home’s value. Here are several projects that can add value to your home, so that when you do decide to sell, you’ll get the best offers possible.

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The 5 Best Home Improvements to Make in Early Fall
9/6/2021

The 5 Best Home Improvements to Make in Early Fall

Do you have a list of things that need to be fixed or updated around the house? Well, now may be the perfect time! For a variety of reasons, early fall is a great time of year to make home improvements. The days are still warm enough to tackle outdoor projects or leave the windows open, the kids are back in school, and contractors may be more available for certain types of projects. 

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Single Family vs Multi-Family vs Condo: Which Home Is Right For You?
1/5/2021

Single Family vs Multi-Family vs Condo: Which Home Is Right?

Whether you’re considering your first home purchase or a move from your current home, there are several options available. Choosing a single family house, a multifamily property, or a condominium all have pros and cons. As you begin hunting for the perfect dwelling, be open to the possibilities.

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How Does Home Insurance Really Help?
8/8/2020

How Does Home Insurance Really Help?

Home insurance is required with most mortgages and provides wide-reaching protection to you and your family. If your house is ever damaged or destroyed, you would still be responsible for making your mortgage payments. Homeowners Insurance helps protect your personal finances and provides peace-of-mind to your family.

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Our Community

National Hispanic Heritage Month
9/22/2022

National Hispanic Heritage Month

National Hispanic Heritage Month is celebrated from September 15 through October 15 throughout the United States.  This year’s theme is “Unidos: Inclusivity for a Stronger Nation” and it’s a month where we recognize the cultural contributions and achievements made by our fellow Americans of Hispanic culture. Hispanic Heritage month has been celebrated across the nation through festivals, art shows, conferences, community gathering, and more.

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Shred-It or Not?
8/29/2022

Shred-It or Not?

By shredding old documents, you’re protecting your private, personal information from identity thieves. What documents should you consider shredding?  Anything that has a signature, account number, social security number, or medical or legal information that you no longer need to retain. If you’re not sure if you should keep or shred a document, keep it somewhere safe.

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2023 Calendar Contest Winners!
8/25/2022

2023 Calendar Contest Winners!

Thank you to everyone who submitted a photo to our contest, and to all of you who voted for your favorites! This was our most impressive year to date: we received more than 700 photos!

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Fun Money Facts to Share With Your Kids
4/1/2022

Fun Money Facts to Share With Your Kids

April is National Credit Union Youth Month. Let’s encourage kids to develop healthy saving habits by making savings fun and exciting! Do you talk about money in a positive way with your children? Here are some fun facts that can be conversation starters:

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10 Tips for Making Smart Charitable Contributions
12/8/2021

10 Tips for Making Smart Charitable Contributions

The holiday season is here, and many people are swept up in the wonderful  spirit of giving to others.  If you plan to donate to charitable organizations this year, here are some tips to help you make sure your end-of-the-year contributions are the most effective:

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10 Ways to Give Back
11/12/2021

10 Ways to Give Back

Looking for ways to give back?  Here are 10 ideas to get you started! 1.  Provide Food – Donate canned goods or funds to your local food bank or pantry.  You could also volunteer your time at a local soup kitchen, such as Neighbors in Need.

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5 Tips for Safer Pet Halloween Costumes
10/29/2021

5 Tips for Safer Pet Halloween Costumes

Thank you to all the pet parents who shared their favorite photos of their pets dressed up in costumes! The Pawsitively Spooktackular Pet Costume Contest we ran this month was all about barking — I mean bragging — rights. The top costumes were highlighted in a video on our social media channels.

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Fall Clean Up Before the Holiday Rush
10/1/2021

Fall Clean Up Before the Holiday Rush

Fall is finally here, and now that the kids are back to school, the holidays are coming right around the corner! Here are some ideas of things you can clean up and clear out now before the holiday rush:

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Local Apple & Pumpkin Picking
9/21/2021

Local Apple & Pumpkin Picking

Although some farms aren’t offering pick-your-own (PYO) options this year, these tried-and-true community favorites are open and could provide a fun outing for you and your family or friends! 

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Irish History in the Merrimack Valley
3/2/2021

Irish History in the Merrimack Valley

In celebration of Irish-American Heritage Month, we’d like to pay respect to the Irish immigrants who paved the way for the growth of the Merrimack Valley.

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Family Ideas for Winter Fun
1/24/2021

Family Ideas for Winter Fun

This is a great time of year to live in New England! There are lots of options for family fun! Whether you choose to stay close to home or take a scenic drive, explore the outdoors or stay cozy inside, there are plenty of family-friendly activities to enjoy. Best of all, many of the activities are inexpensive or even free.

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What You Need To Know About Filing Your Taxes This Year
1/14/2021

What You Need To Know About Filing Your Taxes This Year

It’s tax season again!  Do you dread filing your taxes each year? We don’t have any secrets for making the process more fun, but we do have some tips that will hopefully make it a bit easier. 

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Emergency Preparations for Your Family
1/1/2021

Emergency Preparations for Your Family

Winter sometimes brings us whopper snowstorms, and occasionally the wind, ice and snow knocks out power. If an emergency such as this hit your home, would your family be ready? An emergency could involve your family having no power, no heat, no water, and possibly no ability to travel outside the home. Below are some tips to prepare your family for an emergency.

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3rd Anniversary Party – Seabrook Branch
10/24/2019

3rd Anniversary Party – Seabrook Branch

On October 22 we celebrated the 3rd anniversary of our Seabrook Branch. The party was well attended, members started coming in promptly at six o’clock and for about two hours they were able to mingle with other members as well as credit union staff. The mood was festive and everyone enjoyed  receiving giveaways as well as the delicious food and drinks catered by The Old Salt and the beer tasting hosted by Riverwalk Brewery. Several members walked away with prizes, too!

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Sharing Random Acts of Kindness
9/12/2019

Sharing Random Acts of Kindness

Our team members are out & about in the community this week sharing random acts of kindness! We’ll keep adding photos to this blog as they come in from our staff. Thank you to all the team members who signed up to be a part of this special week to help us spread smiles! Additional thanks to Olivia Pink and Digna Johnson for organizing all the volunteers, locations, and surprises!

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Private: Sharing Random Acts of Kindness (RAoK)
9/12/2019

Private: Sharing Random Acts of Kindness (RAoK)

Our team members are out & about in the community this week sharing random acts of kindness! We’ll keep adding photos to this blog as they come in from our staff. Thank you to all the team members who signed up to be a part of this special week to help us spread smiles! Additional thanks to Olivia Pink and Digna Johnson for organizing all the volunteers, locations, and surprises!

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Celebrating our Merger
2/1/2019

Celebrating our Merger

Let’s celebrate!!! We’ve merged with Bridgewater Credit Union, a division of Merrimack Valley Credit Union, and we celebrated today with our staff and members. Members who visited our branches today enjoyed cake and gifts.  Our staff members were treated to a special lunch together and some fun surprises!

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Happy International Credit Union Day!
10/18/2018

Happy International Credit Union Day!

Today credit union members around the world celebrate the 70th Anniversary of International Credit Union Day®.  This annual event celebrates credit unions and how they’ve impacted members like you.

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Staff Favorite Recipe: Broccoli Salad
8/30/2018

Staff Favorite Recipe: Broccoli Salad

Yes, it’s really yummy…people went back for seconds! At a recent staff potluck, this recipe by Laureen Hume stole the show.  Who would have thought something with BROCCOLI would get more comments than goodies and cake?  So many staff members asked for the recipe that we thought we’d share it with our members, too.

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Congratulations to the Biggest Hearts in the Merrimack Valley
4/6/2018

Congratulations to the Biggest Hearts in the Merrimack Valley

The winners of our Biggest Heart Awards have been announced!  The contest was created as a way to recognize people who use their big hearts to promote kindness and public service in our community. More than 100 nominations were submitted, and nearly 10,000 votes were cast, confirming that we have a whole lot of people with big hearts in our community!

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Celebrating International Credit Union Day!
10/19/2017

Celebrating International Credit Union Day!

Today all our branches are celebrating International Credit Union Day! We have goodies and surprises for our members today (10/19/17). THANK YOU to all our members– we appreciate you!

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1 Year Anniversary at Seabrook Branch
9/22/2017

1 Year Anniversary at Seabrook Branch

Seabrook has been a year in the making for our team.  Each associate brought their passion, dedication and spirit together to form a successful team! We have built a family within and extended that to each and every member walking through our doors.  We’ve enjoyed celebrating events within the community we service here in the Seacoast.

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Fun at Heav’nly Donuts with WZLX!
7/20/2017

Fun at Heav’nly Donuts with WZLX!

Recently, members of our Seabrook Branch enjoyed hanging out with WZLX at Heav’nly Donuts in Amesbury. Many people came out to enjoy yummy donuts!

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$9,000 Awarded in College Scholarships
7/13/2017

$9,000 Awarded in College Scholarships

After a busy season of high school scholarship nights, Merrimack Valley Credit Union (MVCU) awarded $9,000 to six graduating seniors. Each of the recipients was surprised with the $1,500 award at their respective high school’s senior scholarship event.

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Free Ice Cream Fun!
6/26/2017

Free Ice Cream Fun!

Visitors to our Seabrook Branch this past Saturday enjoyed FREE ice cream treats! Thank you to everyone who came out to say “hi,” and to our Seabrook team members for facilitating a fabulous event! 

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Boston Children’s Hospital Miles for Miracles Team 2017
4/20/2017

Boston Children’s Hospital Miles for Miracles Team 2017

I want to thank you all so very much for your support these last few months. I hope you know how much I appreciate every “How’s it going?”, “How far this weekend?”, “ You’ve got this!”, and every “Good luck!” followed by “How was it?” and “How are you feeling?”!!

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2017 Credit Unions Kids at Heart Boston Marathon Team
4/17/2017

2017 Credit Unions Kids at Heart Boston Marathon Team

Merrimack Valley Credit Union is proud to cheer on Carrie Fitzgerald as she runs her heart out today in the Boston Marathon! Credit Unions Kids at Heart is the credit union community’s favorite public service activity and one of the largest credit union collaborative fundraising programs in the nation.

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Festival of Baskets Fundraiser
3/30/2017

Festival of Baskets Fundraiser

Merrimack Valley Credit Union has a tradition of raising money each year for MVCU Charities with our Festival of Baskets Fundraiser. This year, the Festival of Baskets Fundraiser will run from Friday, 3/24/17 to Wednesday, 4/12/17. The drawing for the winners of each basket will take place on Thursday, 4/13/17.

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Think Pink: A Millennial Perspective

Having a Healthy Relationship with your Finances
8/29/2022

Having a Healthy Relationship with your Finances

Ah, February – the month where love is in the air and, for us single folk, it is the month where we get amazing deals on post-Valentine’s Day chocolates. In February, relationships are celebrated with romantic dinners and roses, however, there is an important relationship that often goes uncelebrated – your relationship with yourself!

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I Deserve to Be Rich – Part 1
8/29/2022

I Deserve to Be Rich – Part 1

When my mom was growing up, my grandparents would pull off the clown car illusion of stuffing every neighborhood kid into their car to go get an ice cream cone every Friday night. There were days when my grandparents had only a couple dollars in their pockets, yet, they never turned anyone down. 

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Taxes for Dummies
8/29/2022

Taxes for Dummies

The painful truth for most people my age- we have no clue how to file taxes. And what do you do when you have no clue how to do something? Ask your parents!

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Financial Recovery After a Vacation
7/26/2022

Financial Recovery After a Vacation

You just got home from your beach vacation. Instead of unpacking, you spend hours scrolling through photos reminiscing about your time away. But then reality sets in when you realize it is Sunday night and you have to work the next day. Your stomach grumbles but the fridge is empty because you haven't been grocery shopping for 2 weeks. 

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Living at Home (With Your Parents)
3/22/2021

Living at Home (With Your Parents)

When you graduate from college, one of the first things that you start to save toward is getting your own place. You just lived on your own for 4 years and had that taste of “freedom.”  You could go about as you pleased without having to tell your parents where you were going at 11:00 pm. And if your diet consisted of late-night pizza and mozzarella sticks then so be it. College is essentially a 4-year long sleepover with your closest friends but then one day it ends and before you know it you are back in your bedroom at home.

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Think Pink: Introduction
1/11/2021

Think Pink: Introduction

When I was 10 years old, I envisioned that by age 23 I would be an “adult.” I’d be married and living in a colonial home that I’d raise my family in. Fast forward 16 years. At 26 years old, I am not married, I still live at home with my parents and I couldn’t imagine having kids of my own right now. It seems laughable now but how did my 10 year old vision change so drastically over the years?

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