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OK, it’s finally time for the main event ... your first job. It’s a chance for a real paycheck and maybe even some extra spending money. But before you go out and start spending, see how we can help you make the most of your money.
Whether it’s a part-time job or your first “real job” in your chosen career, how you manage your money will make a huge difference in your life. By taking a few simple steps before you start showering your friends with gifts and free dinners, you can learn to develop positive money habits from the very beginning. The first step is to start a savings plan by putting money away into a savings or certificate account. Not only does a savings plan help you develop financial discipline, but you’ll always have money put away in case of an emergency or unexpected expenses. Another great way to save money is to open an Individual Retirement Account (IRA). An IRA allows you to put money away for your retirement as well as possibly take advantage of some pretty attractive tax benefits. Spending your money Eventually you’re going to want to buy something with your money, right? That’s where our checking account and Visa check card comes in. We offer two free checking account options specially designed for you. Enjoy unlimited check writing, no minimum balance requirements and no monthly fee. Use the free Visa check card for cash at ATMs or for purchases on or offline - anywhere Visa is accepted. And better yet, you can use your Visa check card at any ATM and we’ll reimburse your ATM fees! Simplifying your life Now that you’ll be working, you may not have the time to visit the Credit Union every time you need to make a deposit. If possible, have your employer set up direct deposit. By depositing your paycheck electronically, your money will begin earning interest quicker, you’ll have instant access to your cash and you’ll even save a few bucks on gas. And speaking of making life easier, you can manage your Credit Union accounts on your schedule with BranchLine online banking or with ExpressLine telephone banking. We also offer eStatements so you can keep track of your finances, as well as electronically store your statements. Related Articles Is your child ready for a job? Summer jobs teach kids about taxes Make the Smart Move (IRA, 401k) Helpful Links Please consult your tax advisor to see if an IRA is appropriate for you. |
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