Birthday Gifts to Buy on a Budget

Birthday Gifts to Buy on a Budget

Surprise! You’re cordially invited to a birthday party (at the last possible minute) and need to find the perfect gift to give that special someone who’s celebrating! Of course, you could always provide them with something on their wish list, but that might be a tad too expensive. If you’re looking for the perfect gift on a budget, here are some ideas to consider:

Purchase an Experience

One of the best presents to give someone is an experience. Whether that’s a concert at the venue down the street or a cooking class in the town nearby, it’s always perfectly acceptable to give someone an experience for a present. If you’re looking to save on your purchase, make sure to check out a popular coupon site that will help you save on entry to that experience, with ease!

DIY your Gift

Another great gifting idea (on a budget) is to create your own present. If you’re looking to knit a blanket or make custom wall art for their living room, no matter what it may be, you’ll be taking a personalized approach to giving them the best gift ever! As an added bonus, when you make something on your own, you won’t have the fear of someone buying the same gift as you!

Cook Dinner

A gift that will always be appreciated (and never go out of style) is cooking! From brunch to dinner, there isn’t a single meal that’s off limits when you’re giving the present of a home-cooked meal! If you want to take things up a notch, you can throw your birthday guest of honor a mini party, having their close friends and family nearby to enjoy the festivities with you!

Looking to Open a Savings Account?

At Sperry Federal Credit Union, we work with our customers to get ahead of their budgets and make money saving easy. Contact us today to get started on a savings account at (516) 873-7171.

 

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Tips Every First Time Renter Should Know

Tips Every First Time Renter Should Know

Renting a home for the first time can often be a challenging process, and you may not know where to begin. There are also many important factors that first-time renters overlook. This can cause them to miss out on opportunities because being unprepared can be a sign of irresponsibility. The following information provides helpful tips you may want to consider if you are thinking of renting for the first time:

Have the Necessary Documentation

Being prepared and bringing all of the proper documents with you when meeting potential landlords can help you to stand out from the other applicants. Examples of things you may want to bring with you include a copy of your credit score, paystubs, and a letter of reference from your employer. This will give landlords a better idea of your financial background and reliability.

Carefully Review the Terms of your Lease

Legal documents can often be relatively confusing. You will want to ensure that you read everything thoroughly before signing. You will also want to inspect the apartment or home for prior damage before signing the lease. It can be helpful to write these things down and have both you and the landlord sign it. This will help to protect you in the future and will ensure that you receive your security deposit back.

Ensure the Rental Property and Surrounding Area is Safe

Before moving in, you will want to make sure you get a better feel for the area as well as the property itself. It can be helpful to check the crime rates of the area or speak to the local authorities so they can paint a better picture of what is to be expected. Moving into an unsafe community or apartment complex can have dire consequences. Therefore, it is best to take every precaution and trust your intuition.

Overall, finding a new place to rent can be challenging. You will need to do your research and take your time finding the best option. You will also need to ensure that you are financially prepared.

Saving up money in advance can be very helpful and can make the process less stressful. If you need to open a savings account, we can help. At Sperry Federal Credit Union, we offer better rates, better service, and better banking. Start your steps towards financial freedom, call (516) 873-7171 today.

How to Save for your Dream Vacation

How to Save for your Dream Vacation

Taking a vacation with your family is the perfect way to reconnect and create memories that will last a lifetime. Paying for that vacation, however, can seem impossible when faced with day-to-day expenses. Luckily, there are several great ways to put enough aside to make that dream vacation actually happen:

Open a Savings Account

The first step is to open up a savings account. Whether this is something you’ve been planning on doing for a while or you are looking into opening another, a savings account will help tremendously.

One of the best ways to optimize your savings account is to set aside a small amount from your paycheck, each week, and to deposit it into your account. This will not only help build that vacation fund, but it will make it less tempting to pull the money out!

Save Loose Change

If extra money comes your way, either from a birthday card, winning the lottery, or finding some loose change in the couch (yes, it’s always possible), put it towards your vacation fund right away. Like we said, if you don’t have it readily available to spend, you’re more likely to keep it and use it for that dream vacation.

Pro Tip: when in doubt, put loose change away in a jar every time you empty your pockets (or the couch cushions).

Establish a Second Income

Set yourself a secondary income goal each month to help keep extra money coming in. Committing to finding an extra few dollars a month may not sound sufficient, but it will build up quickly and help you fund your dream vacation. Side jobs to look at include ride-share driving, delivery services, babysitting, lawn care, and other similar jobs. Finding one you enjoy will make it feel less like a job and more like an activity.

If you need to open a savings account, we can help. At Sperry Federal Credit Union, we offer better rates, better service, and better banking. Start your step towards financial freedom, fall (516) 873-7171 today.

Ways to Save on Spring Cleaning Supplies

Ways to Save on Spring Cleaning Supplies

Spring may only be a hop and a skip away, but that shouldn’t stop you from preparing from the number one chore on your to-do list: spring cleaning! From scrubbing down the bathroom to shampooing the carpets, there’s a lot that goes into a successful deep cleaning in your home. One of the most important features (besides the cleaning itself) is to use great-quality cleaning products — but those are a tad expensive. If you’re looking to save a buck or two, here are some great ways to save:

Visit the Dollar Store

Did you ever think about shopping for cleaning supplies at your local dollar store? Sure, these stores typically get a bad rap — but they’re actually a pretty incredible stop to get all of your cleaning essentials! Whether you’re in need of a mop, gloves or a window cleaning agent, you will be able to find all of those items (and more) at a dollar store!

Purchase Online

Another great way to save on your cleaning supplies is to purchase them online. Whether you go through Amazon or another online retail giant, you’ll be able to score phenomenal deals when you peruse the aisles of your local digital store. As an added bonus, sometimes you’ll even be able to purchase top-notch items at a fraction of the cost, in bulk, which is always great for those that are trying to stick to their budget!

Make your Own

If you’re in the mood to concoct a DIY cleaning agent, we have some good news: it’s a wonderful, budget-friendly idea! Since many natural, green cleaners are made with ingredients you can find in your kitchen, you’ll not only have a blast making them in the comfort of your own home, but you’ll be saving quite a pretty penny by creating your own cleaners!

Looking to Save in the Long Run?

At Sperry Federal Credit Union, we work with our customers to get ahead of their budgets and make money saving easy. Contact us today to get started on a savings account at (516) 873-7171.

Why You Should Save Your Pocket Change

Why You Should Save Your Pocket Change

When you go shopping, typically do you pay with cash or credit? For most shoppers, they’ll use cash — and then nine out of ten times, they’ll receive change if they paid more than what they owe. Regardless, sometimes shoppers don’t want to be inconvenienced with loose change jingling around, so they’ll either toss it or tell the cashier to keep it. However, should you really save your pocket change?

Should I Save my Pocket Change?

You might already know the answer to this ~burning~ question, but, yes, you should hold onto that loose change. Whether it’s in the bottom of your pocket or the cup holder in your car, money is money — and while it may not look like a lot, at first glance, you’d be pleasantly surprised of how it can add up over time.

How Can I Start Saving?

Since it might seem effortless just to toss your change to the curb (trust us, it happens more than you think), it may feel a bit tougher to try and save it, despite all the jingling around in your pocket. However, as we had initially mentioned, you’ll want to hold onto your change to reap the benefits of a nice grand total. The best way to form a habit of keeping coins is to figure out how you’ll store them at home. Ideally, you’ll want to make the process fun and simple — but how so? We have a few suggestions!

What are Some Ways to Store Change?

When it comes to saving your pocket change, the possibilities are endless. One of the most popular ways we’ve seen among most homeowners is using a plastic water cooler jug. Another great way to store loose change is to keep in a container or a piggy bank (yes, these little porcelain pigs are still in rotation)! Then, once you’ve saved up a decent amount, bring it on down to our branch to see how much you’ve saved up! If you’ve been saving for quite a while, you’ll be surprised at what that total can help pay for! 

Looking to Open a Savings Account?

At Sperry Federal Credit Union, we work with our customers to get ahead of their budgets and make money saving easy. Contact us today to get started on a savings account at (516) 873-7171.

How to Save on Catering Costs for a Wedding

How to Save on Catering Costs for a Wedding

Your wedding day will be one of the happiest days of your life. Before you get there, however, there will likely be some of the most stressful days as well. Budgeting and paying for a wedding can be a massive headache. One of the easiest ways to save money involves making changes to your style of catering.

Utilize Self-Service Stations

Rather than having everyone sitting around waiting to be served food by the staff, consider stations where people can grab their own food. This way, it can be what they want when they want it. When done correctly, this can make your wedding seem unique instead of cheap. Sushi is a popular option, but it can really be anything that is quick and easy to grab.

Limit Alcohol Choices

Having an open bar is a staple of many weddings. Unfortunately, it can be insanely expensive to fully stock a bar with a wide variety of liquors and mixers. This is an easy area to make cuts. Consider serving only a few kinds of beer and wine. Champagne is also popular and can be relatively inexpensive. If you want to make sure people remember your wedding, consider designing your own “wedding cocktail” and offering that as well.

Skip the Expensive Ingredients

One way to blow through your catering budget quickly is to demand ingredients such as lobster and caviar. Chicken and fish can both be prepared in a number of tasty ways to please your guests. Along these same lines, try to avoid dishes that take a long time to prepare. The caterer charges you for their time and effort as well as the food, so making it as easier as possible for them can save you some serious money.

If you need a wedding loan or credit card to help cover the expenses of your wedding, we can help. At Sperry Federal Credit Union, we offer better rates, better service, and better banking. Start your steps towards financial freedom, call (516) 873-7171 today.

Ways to Save on a St. Patrick’s Day Celebration

Ways to Save on a St. Patrick’s Day Celebration

One of the greenest and jolliest days of the year happens to be St. Patrick’s Day! Whether you’re planning on having a quaint, little get together or a big celebration with your friends and family, a gathering of any sort can be expensive. If you’re looking for some great ways to celebrate for a fraction of the cost, here are some great tips to keep in mind for the big day:

Make your Home the Venue

Whether you live in a big home or a studio apartment, this will be the best way to cut back on a majority of the celebration cost on St. Patrick’s Day. Just like hosting a wedding at the venue down the block, having a rental space can cost you quite a few hundred dollars (if you’re on the luckier end of the bargain).

Another benefit that surpasses monetary value is that having a soiree at your personal residence will also let you make the gathering as quaint and relaxed as possible. Plus, if you’ll be in control of setting the hours of the party — and if it happens to run a bit over schedule, you won’t have to pay an extra fee!

Go for the Store’s Brand

Sometimes, it’s simple to get caught up in brand names when you go grocery shopping, purchasing something much more expensive than what you actually needed. Believe it or not (this tip can be used beyond St. Patrick’s Day, too), it’s best to look into store-based brands of your favorite foods and drinks.

By shopping store-brands, you’ll not only score a significant discount on your grocery list, but you’ll also be pleasantly surprised that the store-brand tastes exactly the same (and possibly even better) than those big name brands. When you’re shopping for your party, this tip will really help out, especially if you’re on a budget or are saving for that dream vacation of yours!

Looking to Save in the Long Run?

At Sperry Federal Credit Union, we work with our customers to get ahead of their budgets and make money saving easy. Contact us today to get started on a savings account at (516) 873-7171.