SeaComm Federal Credit Union OFFICIAL BLOG

6 Life Hacks to Fill Your Wallet

wallet wave

Raise your hand if you think basic financial advice isn’t only important to know, but also incredibly fascinating. (I may not be able to see you through this screen, but I know you’re not raising your hand.)

And it’s true, unfortunately. We all have access to some easy, effective financial hacks- but we aren’t willing to listen. Because it’s boring? …Maybe. Talking finance can be repetitive, and at times- dull. Money market accounts? Sure. Low interest lines of credit? Whatever. Calculating monthly dividends on a certificate? Wake me up when it’s over.

With that in mind, I’ve researched high and low to produce a list of 6 unconventional hacks that can help to fatten your wallet up. Will you become a millionaire overnight? Probably not (If you do, I demand half!). But these minor adjustments can certainly save you some money.

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Fact Friday


What do you know about money? We all want it…and I’m sure there are some of us who would do some crazy, embarrassing things just to get some of it (Fear Factor, anyone?). But when all is said and done, it’s just paper, right?

Read on for some crazy facts about money (courtesy of ‘cracked‘ and ‘fact retriever‘) that you DIDN’T know…

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How is a Credit Union Different from a Bank?

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You don’t know? That’s alright- you’re not the only one. Most people use the terms “credit union” and “bank” interchangeably. And while on the surface, credit unions look a lot like banks, there are significant differences that are important to note.

I’ll admit- before I started working for a credit union, I was pretty much oblivious to the differences between credit unions and banks. I was also a bit apprehensive about opening an account at a credit union- mainly because I wasn’t sure what they exactly were, or if there was some special requirement needed in order to become a member.

Thankfully- my questions were answered. Read on for the questions I had, as well as the answers I was given!

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Five Things to Remember When Discussing Money with Your Partner


Let’s face it, “The financial talk” is something that we all dread. If you’re anything like me, you would much rather go about your relationship(s) without even discussing the topic of money. And then there is that awkward question, ‘Who’s going to pay this time?’ But- it’s inevitable.

Whether you’re dating, engaged, or married, it’s a good idea to be open about your financial situation, share your financial goals, and start talking about your spending habits. It’s only a matter of time before one of you brings it up, and it’s best to be prepared- so that you don’t say the wrong thing.

Although I work in the financial sector, I am far from perfect when it comes to fine-tuning my accounts. That being said, I have a slight obsession with TJ Maxx. But that’s okay! (Right?) And I’m sure there are elements within your own financial life that are less than perfect, and that’s okay, too.

What’s not okay- is keeping these financial glitches from your significant other. Moneyunder30 provides a variety of helpful tips for couples who talk finance, and out of those tips, there are 5 you should always keep in mind:

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Fact Friday

Here are some fascinating facts about finance, courtesy of Investigating Answers, that I found to be quite interesting. I found #5 to be the most surprising… Did you know any of these already?

Happy Friday!

fact friday credit card

  1. The average credit card holder has 3.5 credit cards, according to the Federal Reserve.

secret service

  1. The Secret Service Division was created on July 5, 1865 in Washington, D.C., to suppress counterfeit currency.

first bank

  1. The world’s first bank was Monte Dei Paschi di Siena, founded in 1472 and headquartered in Tuscany, Italy. It still operates today.

young credit card holder

  1. 70% of American students have credit cards, according to a report in the International Journal of Business and Social Science.

jingle bells

  1. JP Morgan’s uncle, James Pierpont, wrote “Jingle Bells” in 1857.


  1. The United States generates more than 20% of the world’s GDP with about 4% of the world’s population.


  1. The birth of modern banking is credited to the medieval Knights Templar. They took oaths of poverty; therefore donating all of their cash and property to the Order. Nobles often used the Order to safeguard their money while they were off fighting in the Crusades.


  1. The 1792 law that established the United States Mint also made coin defacement, counterfeiting, and embezzlement by Mint employees punishable by death.

old cc

  1. Credit cards were not always made of plastic. There have been credit tokens made from metal coins, metal plates, and celluloid, metal, fiber, and paper cards.

civil war

  1. By the end of the Civil War, between one-third and one-half of all U.S. paper currency in circulation was counterfeit.

Achieving a Balance: Physical & Financial Health

financial health

With the constant demands of the professional world, it seems like we can never catch a break. Too often, people burn themselves out in an effort to improve their financial well-being, while unintentionally damaging their physical health in the process. I have encountered too many people who work multiple jobs just so they can ‘get ahead,’ without understanding that they are only hurting themselves. So is there a way to strike a balance? Is there a way to maintain both a financial and physical fitness?

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Planning a Trip Without Breaking the Bank


Living in Northern New York has made me really appreciate the summer months (sometimes spring, too, if it’s not still snowing.)

And although we do experience some mildly warm summers in our region of New York, it is still nice to get away. But if you’re anything like me- you’re reluctant to travel because of the fluctuating cost of gas, paired with the price of a hotel and meals. I’m often thinking “is there actually a way to enjoy traveling without breaking the bank?” The answer is yes, there is.

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