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7 Little Changes That Will Make a Big Difference in Your Holiday Season

The holidays are exciting, and it is easy to see why. The holidays are all about tradition, which helps to explain why people are so obsessed with them. If you are dealing with less than perfect circumstances, enjoying the holidays can seem challenging especially during the hap-happiest season of the year. Continue reading "7 Little Changes That Will Make a Big Difference in Your Holiday Season"


The Art of Thanksgiving

Hosting a Thanksgiving dinner for the first time does not have to be stressful, but it almost always is, and for good reason. Thanksgiving is one of the biggest family holidays of the entire year, and it is perhaps one of the most pressure-filled. Hosting dinner during Thanksgiving is sort of a rite of passage, and there is an art to doing it correctly. Continue reading "The Art of Thanksgiving"


It’s Almost Halloween!

Gearing Up For Halloween, DIY Costume Ideas

Every year, maniacs, wizards, fairy witches, superheroes, etc. come together to celebrate Halloween, a night to engage in all sorts of mischievous acts under the autumn moon. How prepared are you for this years’ Halloween? Halloween is just around the corner, so you know it’s time to start preparing your Halloween costume for the big day. Over the past years, you might have spotted people wearing amazing Halloween costumes and wondered what it took to create those extraordinary costumes. This year, you don’t have to buy expensive Halloween costumes. Instead, you can just create your own unique Halloween costumes.

Here are a few DIY costume ideas you should try out:

Ghost

Ghost costume is one of the best DIY costumes for people who are fans of horror movies, plus it’s the easiest costume to make because all you need is an old bed sheet. Start by cutting two holes on the bed sheet for the eyes and come up with creative ways of bringing out a scary ghost image; you can even add some makeup to the sheet.

The White Rabbit

Are you a big fan of Mickey Mouse or mini mouse? If you are looking for a DIY costume idea, then you should consider this classic Disney character’s style. All you need to create this costume is a white dress, a red blazer, a clock bag, a blue bow tie and bunny ears made of any color your prefer.

Nerd

When coming up with your ideas for creating a Halloween costume, you can also embrace the geek in you by creating a geeky homemade costume. All you need to create this kind of costume is a pair of glasses, a mustache for men, a bandage and a pair of baggy trousers or skirt held using a pair of suspenders.

Mime

The mime costume is the kind of costume you should create if you don’t want to express yourself through your actions and want to give your voice a break. Have someone paint your face with white face paint and then wear black clothes or a striped white top. To complete the look, don’t forget to wear a pair of white gloves.

Vampire

Nowadays, there are plenty of plenty of vampire characters you can mimic from movies and T.V shows. Buy a pair of fake vampire fangs from a convenience store and wear clothes with lighter shades. Be creative enough and strive to resemble the vampire characters you know. Lastly, don’t forget to dribble red food coloring or some fake blood on your lips and the sides of your mouth.


Credit Unions vs Banks

Top 5 Reasons Why Credit Unions are better than Banks

Are you one of those people who walk past a credit union in your community without looking twice? Then you don’t know what you are missing out on when it comes to financial matters. One of the main reasons why some people are not in credit unions is because they don’t know how they operate and what they entail. Credit unions are non-profit organizations with an objective of serving their members rather than making profits from service provision. They offer similar financial services compared to banks such as loans, checking and savings accounts, credit cards, and mortgages.

Here are five reasons why you should choose a credit union over a bank:

 

  • Motives

 

The main reason why credit unions exist is to serve their members rather than accomplishing the goals of the institution. Members come first in credit unions then the rest follows. On the other hand, banks are formed with the aim of making profits, and they’ll do whatever it takes to meet their profit margins.

 

  • Better interest rates

 

Credit unions have lower interest rates on loans, credit cards, and even mortgages. Besides that, most credit unions are less strict when it comes to loan eligibility, and they are not selective of one’s source of income. Savings accounts, CDs, and bonds in credit unions also yield returns compared to having the same in banks.

 

  • Structure

 

For those who are not members of any credit union, you might not be aware that credit unions belong to members and they are responsible for their operations. Once you’ve made your first deposit, you are granted voting rights, and any surplus income will be reimbursed as dividends. Being a member means that you get financial services at lower rates and participate in decision making.

 

  • Fee-free accounts

 

A majority of banks require account holders to maintain a minimum balance which is not the case with credit unions. One of the main reasons why most people are drawn to credit unions is because they offer free checking accounts and no minimum balance requirements to cut down any extra fees.

 

  • Relationship building is valued

 

Let’s face it, credit unions value members who have been with long enough and they tend to be more lenient when such members want to borrow funds. Besides enjoying lower interest rates, when applying for loans, the terms and conditions are more flexible for such members provided their credit score is high. In case you haven’t joined a credit union, take the time to visit one in your local community; you’ll be surprised to see a big difference between them and banks.


Why We Love Savings Accounts!

Why We Love Savings Accounts (And You Should Too!)

Nowadays, savings accounts have become so popular, and it’s easy to open one at MACCU. They play a significant role in helping us achieve our financial goals without having to apply for loans. Some people think that investing their money is better than having the money lying in a savings account. However, depositing your money in a savings account is better than investing since there are no risks involved, so you are confident that your money is safe for future use.

Here are six reasons why we love Savings Accounts and you should too:

  • Accessibility

Contrary to what most people think, the funds in your savings accounts are readily accessible, and you can make withdrawals from your savings account at the respective bank during business hours. In addition to that, some financial institutions also offer access to savings accounts using ATM cards for withdrawal even after regular business hours.

  • It’s a safe way to grow your money

Although savings accounts offer relatively low-interest rates, they provide sustained growth of your money. The other investment options might seem lucrative due to high returns, but the risks involved are also very high. That’s why you should also open a savings account.

  • Funding future expenses

The best thing about having a savings account is that you don’t have to apply for loans anytime you want to cater for huge expenses such as school fees or projects. For instance, if you want to buy a house in future, you can start saving as early as now, and within a year or two you’ll have the money you need to buy it.

  • Improves your financial health

Everyone should practice the habit of saving regularly by setting money aside for their savings accounts or having the transferred directly by their financial institutions. Once you get used to saving, it becomes a regular habit, and you can refrain from impulsive buying habits.

  • It caters for emergencies

There’s nothing as bad as not having money to cater for emergencies such as losing your job or accidents. Consequently, it’s important to save money during your job tenure since it helps you cater for monthly expenses until you get a reliable source of income.

  • It’s easy to open and maintain

Opening a savings account is relatively easy and you can start saving immediately after the financial institution verifies your details. Additionally, most savings accounts have no minimum balance, and they don’t need account maintenance to stay operational.