Summer Car Sale - Enter for a chance to win $250 cash

Summer Car Sale

Enter for a chance to win $250 cash, as well as locate a new or pre-owned vehicle by visiting the website below.

Summer Job Ideas for Teens

Summer Job Ideas for Teens

Summer is a great time for teens to earn some money. There is no better way to earn money than by doing things you love to do. Here are some ideas to get you started on your fun summer job!

Consider...
What do you most enjoy doing? What are you good at? What special skills do you have?

Love animals?
If you have experience caring for pets of your own, you could provide a dog-walking service, or a pet-bathing service. Or you could be a pet-sitter for people on vacation.

Enjoy kids?
Babysitters are always in demand. Get special babysitter training at your local Red Cross or YMCA.

Are you a good learner?
Maybe you'd be an excellent teacher, too. Start a tutoring service to help younger kids improve their reading, math, or science skills over the summer.

Do you love working outdoors?
Mow lawns. Wash cars. Weed gardens. Or if you have a plot of ground big enough, grow vegetables, berries, or flowers to sell at an outdoor stand.

Are you good at arts and crafts?
Maybe the beautiful things you like to make are things other people would like to buy, whether it's jewelry, comics, or t-shirts.

Like to be on the move?
Run errands for people who are too busy or physically unable to get to the pharmacy, the grocery store, the library, or the video store.

That's just a starter list. You take it from here!
The key to success is to get the word out about your services or products. Develop a good-looking flyer and post it--with permission--on bulletin boards in grocery stores and libraries. Also, post it on your social media, including any neighborhood related social media pages.

Be sure to let your parents know what you're doing and where you are at all times. Then have a fun, safe, money-making summer!

 

 

 

Score Side Gigs

Score Side Gigs for Extra Income

Are you looking for extra money this summer?
Technology has made it easier than ever to bring in extra income when it’s convenient for you—often doing something you love, or at least don’t mind.

The obvious
First, consider the assets you have on hand. For instance, have a car? Uber and Lyft are two of the most recognized ‘be-your-own-boss’ brands today. Many people use their cars to become for-hire taxi drivers on the weekends, while others do it full-time. Check out their apps—becoming a driver is surprisingly easy.

Similarly, if you have an unused room or finished basement, you can rent it out via apps like Airbnb.

The less obvious
There are many other ways out there to turn what you love doing into something that adds money to your saving account. Sites like Fiverr and Skillshare allow you to put your skills and passions to use and earn extra cash, either by freelancing your talents or giving you the opportunity to teach those skills to others.

The app Gigwalk gives you tasks that can be as simple as going into a store and taking a picture of a brand’s product on the shelf or reporting whether someone greeted you when you walked into the store. You choose from a list of available gigs in your area and are paid promptly via Paypal.

For animal lovers, sites like rover.com and dogvacay.com connect you with pet-parents who need a sitter.

Knit or craft? Open an Etsy store and sell your wares.

Web 1.0
One of the first Internet companies, eBay, is still a great place to sell nearly anything you own. You only need to sign up and link your seller account to a Paypal account.

You can also sell things locally using the popular classifieds site Craigslist. Simply find the version of the site that corresponds to where you live and post ads for what you’re selling. You can also post ads for your particular skillset in the “services” section, such as house painting, dog walking, or fixing old cars.

 

 

 

Three Helpful Financial Fitness Tips

Your finances and the decisions you make about them change over time and are different from your friends' or your parents'. Still, some broad guidelines may help you get a handle on your financial plans.

* For mortgages, lenders expect your payments to be no more than 28% of your monthly gross income (income before taxes, Social Security, and other deductions). Another method says that your PITI (principal, interest, property taxes and insurance) plus your total long-term debt (car payments, college loans, installment payments) should not exceed 36% of your gross income.

* How much should you be saving? Financial experts suggest three to six months' take-home pay in a savings account. That can take time to build up, and you may need to raid your account even while you're adding to it. Still, if you consistently put aside 5% of your take-home pay, using payroll deduction, you'll reach your goal.

* For long-term retirement savings, at minimum put a percentage into your 401(k) that equals what your employer will match. Anything less and you're actually giving up free money. Ideally, contribute the maximum your employer allows into your 401(k). Can't swing that much while you're saving for your child's future education expenses? Keep this in mind: You can borrow to meet higher education expenses, but you can't borrow for retirement expenses.

Talk to the professionals at your credit union to learn about all the services available to help you meet your goals.