USC Credit Union Blog

USC Credit Union Blog

13 Things You Could Buy if You Didn't Have Student Loan Debt

Posted by Cerina Epple on Jan 11, 2017 5:02:49 PM

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img src: https://nlcloans.com/trd_post/five-crazy-ways-save-500-without-feeling-pinch/

The average college student loan debt for the graduating class of 2016 is $37,172. What could you actually buy with all that money? Well, you could…

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Topics: Student loan debt, student loan consolidation, student loans, student loan refinance

Do You Have Rainy Day Savings?

Posted by Cerina Epple on Jan 5, 2017 4:32:01 PM

rainy-day.pngimg source: http://blogs.missouristate.edu/reallife/2015/11/17/saving-for-a-rainy-day/

Life is like a roller coaster. It has its ups. It has its downs. The one thing that makes life vastly different from a roller coaster however, is that the ups and downs are predictable on a roller coaster--you know when you’re on an upward climb, and you know when you're about to go down a huge drop. Life, on the other hand, has ups and downs that are unpredictable. This is why it is so important that we have rainy day savings.

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USC Credit Union Member Appreciation Season

Posted by Cerina Epple on Dec 19, 2016 12:05:00 PM

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img src http://movingal.com/2010/12/observation-happy-holidays-thank-you/

It's member appreciation season here at USC Credit Union, and we wanted to give a warm thank you to our members for being part of the USC Credit Union Family. We are grateful that you've placed your trust in us and look forward to serving you for many more years. 

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How to Get Out From Under Student Loans

Posted by Cerina Epple on Dec 13, 2016 12:00:00 PM

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img src: http://www.huffingtonpost.com/news/student-debt/

If you're a recent college graduate who took out student loans, you likely owe about $35,000. As eye-popping as that average debt figure is, you're certainly not the only one wondering how you'll possibly get out from under your loans. As with any difficult assignment, though, research and a well-thought-out plan will help you tackle even the most challenging of debt situations.

Making use of the following strategies will help you dig your way out of student debt. Here's a look at where to get started.

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Don't Be Duped by these Credit Score Myths!

Posted by Cerina Epple on Dec 12, 2016 1:00:00 PM

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img src: https://cruechronicles.com/2013/11/07/money-myths-debunked/

Ever wonder what your credit score really means or what factors truly weight on that three-digit number? If your answer is yes, you're not alone! Your credit score is the first thing people will check when you apply for a loan, a line of credit, an apartment or a home loan--yet there are several misconceptions and myths leading to widespread confusion about what actually impacts your score. Here are five of the most common credit score myths, debunked: 

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Four Ways to Save Money During Your Holiday Travels

Posted by Cerina Epple on Dec 9, 2016 10:00:00 AM

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img src: http://www.sellmytimesharenow.com/blog/2015-holiday-travel-how-to-save/

This past Thanksgiving, I had the privelege of traveling to Seoul, South Korea. I was there for six short days, but each day was jam-packed with fun: I ate delicious food, swam in coco puffs at a Korean spa, rode a cable car up a mountain, explored a Korean palace, rode the subway, and marveled at Korea's first snowfall. I realized a few things from my time in Korea. First, Korean food is amazing and I feel truly lucky to live near Koreatown where I can continue endulging in my favorite Korean dishes. Second, Seoul is a great place for solo-travelers, because the subway system is great. It is clean, reliable, and traverses all of Seoul. Also, all the signs are written in English, which made it really simple for me (a barely-able-to-speak-Korean person) to navigate. Third, even though traveling costs money, it doesn't have to cost a LOT of money. Here are four financial travel tips from myself, as well as from USC Students who have been studying abroad this semester! 

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Are You Ready for Cyber Monday?

Posted by Cerina Epple on Nov 23, 2016 12:00:00 PM

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For those of us who avoid the Black Friday madness and prefer online shopping from the comfort of our beds, there is good news! Cyber Monday is a week away! 

All of the stores on this list not only hosted the best sales over the 3-day Cyber Monday period (from Sunday through Tuesday) last year, but actually topped their Black Friday offers just a few days after the supposed biggest shopping day of the year. As such, we're expecting (and hoping) they will do the same in 2016 and give us a second day of savings to look forward to.

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4 Smart Things to Consider Before Purchasing a Car

Posted by Cerina Epple on Nov 21, 2016 12:00:00 PM

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If you're thinking about purchasing a vehicle soon, you might find that you have a lot more questions than answers. Do I need a great credit score? Should I buy an old or used car? Can I even afford to purchase a car? USC Credit Union offers a FREE eBook called Wheeling & Dealing: What you Should Know Before Buying a Car that addresses many of the questions you might have. 

As a soon-to-be college graduate thinking about making my first car purchase, I found this eBook to be extremely helpful! Here is a summary of my main takeaways.

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Planning the Perfect Black Friday

Posted by Cerina Epple on Nov 18, 2016 11:42:39 AM

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image source: http://peachstatefcublog.org/holiday-shopping/#more-995

Black Friday has become an iconic day in America, as it traditionally marks the "official beginning of the holiday shopping season." Every year I get excited for Black Friday because it typically is a great opportunity for me to save money on holiday presents for friends and family. But this year I found myself not only thinking about all the Black Friday deals I'm looking foward to capitalize on, but also wondering where the name "Black Friday" comes from. So here's a fun fact for you! After a bit of research, I learned that the term "Black Friday" refers to companies' annual sales being pushed out of the red (loss) and into the black (profit). 

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Happy (budget-friendly) Holidays from USC Credit Union!

Posted by Cerina Epple on Nov 9, 2016 12:17:35 PM

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PSA: The holiday season is right around the corner! There are so many reasons why the holidays are special: pumpkin spice lattes, ugly holiday sweaters, holiday music, yummy food...but my personal favorite is the spirit of the holidays. Holiday spirit encompasses so many good things like joy and cheer, camaraderie, and generosity. 

Gifts are one way we express love and appreciation for one another during the holidays, and this is probably why we tend to be especially generous with our gift-giving during the holidays. In fact, gifts for family and friends are consistently the highest spending category during the holiday season. 

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