Sleep Deprivation – And Its Effects

Obviously, the potential downside for severe sleep deprivation is disastrous. But sleep deprivation hurts us in a myriad of other ways too – some more subtle than others. Lack of sleep can lead to the following problems:

  •  Decreased productivity at work.
  •  Increase in workplace errors.
  •  Workplace accidents and injuries.
  •  Increased irritability.
  •  Decreased energy.
  •  Depression.
  •  Decreased sex drive.
  •  Memory problems.
  •  Concentration problems.
  •  Difficulty managing financial affairs.

The problem is widespread. Most of us need about eight hours of sleep per 24-hour period. But more than 35% reported getting less than seven hours per night. Nearly half of Americans reported snoring – a major indicator of sleep apnea, which can cause sleep deprivation.

Nearly 40% of Americans reported falling asleep unintentionally during the day, at least once during the previous month. About one in 20, or 4.7% report falling asleep while driving – a problem that the U.S. Department of Transportation estimates to have caused 40,000 injuries and 1,550 deaths in traffic accidents each year.

Tips for Managing Sleep Issues

There are some easy things you can do to help improve your sleep patterns. According to the National Sleep Foundation:

1. Go to bed at the same time each day.

2. Wake up at the same time each day.

3. Keep up the habit, even on weekends.

4. Establish a relaxing bed-time routine.

5. Invest in a good mattress and good pillows.

6. Get computers, TV sets, work materials and other distractions out of the bedroom, which should be used only for sleep and intimacy.

7. Don’t eat a big meal or heavy snack right before bedtime. (Your heart will thank you for this too!)

8. Exercise.

9. Avoid caffeine near bedtime.

Severe, chronic sleep difficulty is a medical issue. If you are routinely getting too little sleep, and it affects your personal and professional life, talk to your doctor about your options. He or she may refer you to a sleep specialist.

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De-stressing After the Holidays

The holidays are just about over, and winding down is never easy.

Returning to the real life is a grind – and not everyone manages it well. For some, after a bumpy few days, they’re back on track. For others, the ‘blues’ set in, accompanied by a loss of appetite, feelings of wistfulness and homesickness. This often leads to a mild depression and sense of anxiety.

For those who can’t bounce back after the holidays, psychologists have devised various methods for coping. Here are a few ideas to get you started:

1.) Lazy last day

On the last day of the holiday vacation, we try to squeeze in as much as we can as the hours slip by. Therapists recommend doing just the opposite: Pull back on your schedule by engaging in calming activities that help your body return to your normal habits.

2.) Catch up on work

Reduce the stress of returning to piles of paperwork by contacting a co-worker who didn’t take off for the holidays. That person can fill you in on the important happenings during your absence and inform you of the most urgent assignments awaiting your return.

3.) Homesickness help

If you’ve been traveling during the holidays, it may be super-helpful for you to relive your holiday experiences – or not. For some, looking at photos of the holidays can be pleasant and soothing. For others, though, reliving memorable events can trigger feelings of anxiety and thwart any efforts to deal with the present.

4.) Calming techniques

A great way to decompress is to engage in yoga and breathing techniques. Taking deep inhalations and long exhalations encourages brain activity and stimulates effective blood circulation while soothing your inner soul. Deep breathing will help you transition from a state of exhilaration to a normal level of existence.

Meditation has also been proven to help reduce the stress of returning from a holiday.

5.) Jet lag

It’s no fun when your sleep-wake cycle is disrupted by jet lag. To minimize this effect, doctors advise travelers to get out into the sun as soon as possible upon disembarking. When the sunlight hits your eyes, it helps readjust the sleep-wake cycle.

Even if you haven’t flown anywhere, you may have similar symptoms from coming down from a heightened experience. A 15-minute walk in the sun can help you decompress.

6.) Physical exercise

Exercise releases endorphins which flood us with happy feelings while decreasing stress hormones. A win-win solution to the blues!

7.) Your next vacation

Some therapists suggest that planning your next vacation immediately can help you overcome the post-holiday blues.

Others disagree and encourage focusing on the present.

8.) Talk it out

If you’re still having difficulty re-entering your pre-holiday existence, have a heart-to-heart with a friend or relative. They can act as a sounding board, help you sort out your feelings, and offer solutions you may not have considered.

 

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12/1 Black Friday Loan Deals Winners

The following winners of the 12/1 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

Auto 0.99% APR

  • Michelle W. – Salem
  • Michael T. – Lehi
  • Angela F. – Orem
  • Justin T. – Orem
  • Nathan W. – Springville

AUTO 1.99% APR

  • Mikaela B. – Star Valley Ranch
  • Chanieca M. – Springville
  • Christian H. – South Jordan
  • Elizabeth S. – Saratoga Springs
  • Stacy C. – Orem
  • Daniel D. – Orem
  • Ron D. – Provo
  • Adam P. – Heber City
  • Brett B. – Lehi
  • Joseph M. – Orem
  • Lorie B. – Alpine
  • Jordan W. – Santaquin
  • Lise H. – Lindon
  • Trinity O. – Lindon
  • Christopher K. – Elkridge
  • Tyler C. – Salt Lake City
  • Brett F. – Ogden
  • Judson G. – Provo
  • Melinda W. – Cedar Hills
  • Roberta B. – American Fork

AUTO No Payments for First Three Months

  • Jeff D. – Payson
  • Dustin R. – Sandy
  • Kyle A. – Orem
  • Marilyn J. – Delta
  • James C. – Alpine
  • Matt S. – Layton
  • Karissa P. – Eagle Mountain
  • George R. – Salt Lake City
  • Stephen G. – Provo
  • Brady G. – Bluffdale
  • Bailey N. – Roy
  • Jordan J. – South Weber
  • Jennie H. – Lehi
  • Jordan O. – Provo
  • April W. – Spanish Fork
  • Monika M. – Payson
  • Dale L. – Heber City
  • Breanna O. – North Salt Lake
  • Kaden H. – Saratoga Springs
  • Mark G. – Orem

Credit Card 3% Cash Back Balance Transfer

  • Fiston K. – Orem
  • Kenneth S. – Springville
  • Andrea R. – Orem
  • Christine W. – Payson
  • Ruben T. – Springville
  • Lyndsie M. – Lehi
  • Chad D. – Eagle Mountain
  • Davis A. – Orem
  • Kristoffer B. – Sandy
  • Elaine H. – Provo
  • Lori S. – Syracuse
  • Jeanpierre V. – Midvale
  • Kelley W. – Springville
  • Christi A. – Orem
  • Scott H. – Bluffdale
  • Rain J. – Lehi
  • Jeff B. – Eagle Mountain
  • Cheryl G. – Pleasant Grove
  • Johnny P. – Ogden
  • Randall J. – Lindon
  • RaviShanker B. – Sandy
  • Marcella C. – Orem
  • Jeff M. – Sprinville
  • Linda S. – Spanish Fork
  • Matthew K. – Eagle Mountain

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Marcene Z. – Mapleton
  • Marylee T. – Highland
  • Ken C. – Pleasant Grove
  • Francisco A. – Lehi
  • Dayna C. – Midway
  • Brian W. – Vineyard
  • Sean M. – Pleasant Grove
  • Rachel H. – Woodland Hills
  • Jessie L. – Lehi
  • David K. – Highland
  • Audrey M. – Provo
  • Brad W. – Provo
  • Lana P. – Salem
  • Loni H. – Layton
  • Emily M. – Sandy
  • Karen B. – Santaquin
  • Jody H. – Mapleton
  • Chris P. – Cedar Hills
  • Charles A. – Saratoga Springs
  • Leslie B. – Spanish Fork
  • Kristine M. – Orem
  • Heather C. – Saratoga Springs
  • Heidi M. – Ogden
  • Ambur B. – Spanish Fork
  • Karen C. – Lehi

Personal Loan 4.99% APR

  • Wendi W. – Lindon
  • Carlin H. – Saratoga Springs
  • Annie W. – Springville
  • Heidi P. – Lehi
  • Tairsa M. – Orem
  • Yuliya K. – Saratoga Springs
  • Catherine T. – Orem
  • Tricia M. – American Fork
  • Marvena W. – West Jordan
  • Heather W. – Eagle Mountain
  • Kaylan C. – Logan
  • Jamie R. – Bluffdale
  • Eric A. – Orem
  • Elaine K. – Lehi
  • Cristie C. – Provo
  • Joseph A. – Provo
  • Wayne N. – Pleasant Grove
  • Tyler C. – Provo
  • Melanie H. – Elkridge
  • Robert M. – Payson
  • Darin T. – Midvale
  • Scott S. Orem
  • Douglas H. – Spanish Fork
  • Rameshbabu M. – Sandy
  • Maren A. – Provo

Mortgage Free Home Inspection

  • Tracy L. – Elkridge
  • Eve Y. – South Jordan
  • Roy M. – American Fork
  • Gustavo L. – Provo
  • Douglas P. – Provo
  • Claudia S. – Provo
  • Kiz L. – Springville

Mortgage $2500 RC Willey Shopping Spree

  • Roy S. – Springville
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11/30 Black Friday Loan Deals Winners

The following winners of the 11/30 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Jeff S. – Buford, GA
  • Brook P. – American Fork
  • Jennifer R. – Saratoga Springs
  • Bryce S. – Heber
  • Jacob G. – Orem
  • Jessica J. – Heber City
  • Roland A. – Saratoga Springs
  • Laura J. – Orem
  • Sarah T. – Pleasant Grove
  • Brittany R. – Midvale
  • Torri B. – Orem
  • Brent S. – Morgan
  • Conner D. – Orem
  • Tyler H. – Herriman
  • Danyelle H. – Fruit Heights
  • David W. – Tooele
  • Cindy B. – Lehi
  • Jessica P. – Orem
  • Vijay M. – South Jordan
  • Blaine W. – Pleasant Grove

AUTO No Payments for First Three Months

  • Steven M. – Provo
  • Greg J. – Spanish Fork
  • Emily S. – South Jordan
  • Derek M. – Orem
  • Kelly N. – Springville
  • Tammy H. – Herriman
  • Jessica C. – Lehi
  • Rajeev K. – South Jordan
  • Ailana M. – Provo
  • Andrew M. – America Fork
  • Arturo D. – Pleasant Grove
  • Miranda I. – Lehi
  • Nakhorn C. – West Valley City
  • Julie M. – Orem
  • Roberto S. – Spanish Fork
  • Rebeca H. – Orem
  • Carli A. – Lehi
  • Masami C. – Orem
  • Hannalo R. – Orem
  • Jeremiah M. – Cedar Hills

Credit Card 3% Cash Back Balance Transfer

  • Colin H. – West Jordan
  • Jonny B. – Lindon
  • Brad S. – Spanish Fork
  • Esteban M. – Provo
  • Jeffery B. – Provo
  • Mary G. – Orem
  • Richard T. – Elk Ridge
  • John R. – Lehi
  • Eldon G. – West Valley City
  • Stephanie C. – Vineyard
  • Evelyn C. – Lehi
  • Janine G. – Provo
  • Hayley S. – Lehi
  • Teancum S. – Orem
  • Chad B. – Spanish Fork
  • Jeremy P. – Heber City
  • George B. – Orem
  • McKayla G. – Cedar Hills
  • Austin H. – Provo
  • Julie B. – Springville
  • Corey W. – American Fork
  • Yong S. – Herriman
  • Jennifer A. – Orem
  • Elaine M. – Provo
  • Harley M. – Spanish Fork

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • A-Hsuan S. – Orem
  • Patricia K. – Lindon
  • Wayne M. – American Fork
  • Mark S. – Mapleton
  • John E. – Lindon
  • Phillip N. – Highland
  • Taylor O. – North Salt Lake
  • John V. – West Jordan
  • Bryce M. – Herriman
  • Tonya M. – Lehi
  • Jeff H. – Orem
  • Debra T. – American Fork
  • Gary L. – Orem
  • Alma H. – Mapleton
  • Troy B. – Salem
  • Rob W. – Orem
  • Tayler L. – Bluffdale
  • Maria T. – Provo
  • Rosa S. – Orem
  • Jorden Y. – Orem
  • Robert F. – Salem
  • Sherol F. – Lindon
  • Marc W. – Lehi
  • Kortney S. – Stansbury
  • Howard S. – American Fork

Personal Loan 4.99% APR

  • John S. – Payson
  • Kirkham P. – Provo
  • Ward F. – Goshen
  • Julianna A. – Orem
  • David A. – Payson
  • Rob L. – American Fork
  • Hani P. – Sandy
  • John P. – Sandy
  • Wendi C. – Clearfield
  • Raquel P. – Highland
  • Jailyn E. – Saratoga Springs
  • Ashely N. – Lehi
  • Jessica S. – Orem
  • Kenyan G. – Provo
  • Amy D. – Heber
  • Lorna L. – Provo
  • Karl P. – American Fork
  • Teresa W. – Rock Springs, WY
  • Madison B. – Lehi
  • Monica S. – Saratoga Springs
  • Carrie C. – Saratoga Springs
  • Guy L. – Provo
  • Denmark J. – Pleasant Grove
  • Maria C. – Provo
  • Sharon W. – Alpine

Mortgage Free Home Inspection

  • Bruce B. – Highland
  • Marguerite T. – Springville
  • Kristine P. – Spanish Fork
  • Margaret L. – Provo
  • Melanie M. – Salt Lake City
  • Manuel M. – Provo
  • Breanna O. – North Salt Lake
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11/29 Black Friday Loan Sale Winners

The following winners of the 11/29 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Travis Y. – Lehi
  • Doug G. – Eagle Mountain
  • Theron S. – Highland
  • Cadi H. – American Fork
  • Natasha L. – Pleasant Grove
  • Shane W. – Lindon
  • Emily B. – Provo
  • David O. – Orem
  • Brent C. – Mapleton
  • Michael T. – American Fork
  • Shari Y. – Spanish Fork
  • Steven F. – Provo
  • Paula A. – Orem
  • Jeff T. – Orem
  • Cameron W. – Springville
  • Mauri B. – Santaquin
  • Samantha W. – Orem
  • Aaron M. – Orem
  • Julie B. – Orem
  • Jenalyn E. – Highland

AUTO No Payments for First Three Months

  • Paul N. – Orem
  • Michael M. – Morgan
  • Camille T. – Layton
  • Curtis C. – American Fork
  • James L. – Wellsville
  • Blain B. – Heber City
  • Carl H. – Orem
  • Jacque J. – South Weber
  • Jacob P. – Provo
  • Adam C. – Provo
  • Erasmo F. – Eagle MOuntain
  • James H. – Saratoga Springs
  • Jared C. – Provo
  • Roee L. – Park City
  • Charles K. – Sandy
  • Andres S. – Orem
  • Rosy L. – Orem
  • David O. – Spanish Fork
  • Eduvijes P. – Heber City
  • Ricardo H. – Salt Lake City

Credit Card 3% Cash Back Balance Transfer

  • Addie W. – Overland Park
  • Sara S. – Midway
  • Scott L. – Vernal
  • Ethan W. – Orem
  • Devin M. – Orem
  • Jana J. – Pleasant Grove
  • Paula F. – Finchville
  • Connie C. – Payson
  • Larry B. – Orem
  • Andrew H. – Cedar Hills
  • Matthew R. – Bluffdale
  • Sam G. – Spanish Fork
  • Douglas L. – Provo
  • James S. – Orem
  • Andrew H. – Elkridge
  • Jaden W. – Herriman
  • Rogelio G. – Provo
  • Catherine H. – Derry
  • Aubrey J. – Nephi
  • Gera T. – Orem
  • Anthony Todd F. – Springville
  • Ross M. – Cedar Hills
  • Brandon C. – South Jordan
  • Franklin A. – Provo
  • Emma S. – Lehi

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Barbara S. – Woodland Hills
  • Ken G. – Orem
  • Melissa H. – Salem
  • Kyle M. – Provo
  • John M. – Springville
  • Louise H. – Orem
  • Daryl G. – Highland
  • Whitney V. – Provo
  • Perry C. – American Fork
  • Emily J. – Draper
  • Corin O. – Lehi
  • Ben K. – North Ogden
  • Lynette M. – Lehi
  • Scott M. – Orem
  • Naomi B. – Santaquin
  • Kammi P. – Eagle Mountain
  • Spencer P. – West Jordan
  • Lee F. – Lindon
  • Erin D. – Lehi
  • Joe T. – Provo
  • Sharon D. – Kamas
  • Kristina C. – Spanish Fork
  • Seth H. – Ogden
  • Rose B. – Provo
  • Monelynn H. – Salem

Personal Loan 4.99% APR

  • Nathan H. – Orem
  • Cory T. – Lehi
  • Connie R. – Saratoga Springs
  • Katrina S. – Payson
  • Demarie D. – Elkridge
  • Cindy G. – Provo
  • Jessica B. – Hollada
  • Sean S. – Lehi
  • Alison S. – Provo
  • Kathy C. – Payson
  • Carlos N. – Spanish Fork
  • Brent P. – Pleasant Grove
  • Sandra C. – Salt Lake City
  • Jose S. – Springville
  • Cherie J. – Provo
  • Thomasina T. – Orem
  • Jason C. – American Fork
  • Daron H. – Genola
  • Dan C. – Orem
  • Rolf P. – Spanish Fork
  • Kathy V. – Taylorsville
  • Jessie S. – Orem
  • Percy B. – Orem
  • Abby G. – Eagle Mountain
  • Steven W. – South Salt Lake

Mortgage Free Home Inspection

  • Claudia S. – Provo
  • Jayden W. – Eagle Mountain
  • Lucinda E. – Payson
  • Matthew B. – Saratoga Springs
  • Allison B. – Taylorsville
  • Saurabh P. – South Jordan
  • Greg H. – Pleasant Grove
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11/28 Black Friday Loan Deals Winners

The following winners of the 11/28 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Sergio D. V. – Payson
  • Gemma G. – Payson
  • Stephen J. – Fillmore
  • Rebecca J. – Eagle Mountain
  • Emir Z. – West Jordan
  • Sarah T. – Provo
  • Keira C. – Spanish Fork
  • Stephanie B. – Provo
  • Camille P. – Saratoga Springs
  • Ransom C. – Provo
  • Sam R. – Provo
  • Melanie P. – Pleasant Grove
  • Ronald E. – Provo
  • Jillian B. – Pleasant Grove
  • Hilary G. – Orem
  • Ashlyn U. – Orem
  • Celeste N. – American Fork
  • Alexis J. – Salem
  • HaLee B. – Bluffdale
  • Julie H. – Lehi

AUTO No Payments for First Three Months

  • Steven J. – Midvale
  • Cassidi B. – Heber City
  • Danielle G. – Bluffdale
  • David L. – Orem
  • Brett S. – Provo
  • Jenna B. – Highland
  • Bob A. – Herriman
  • Nikki S. – Payson
  • Elise K. – Eagle Mountain
  • Tiana D. – Heber City
  • Adam M. – Provo
  • Julie G. – Mapleton
  • Sergio F. – Orem
  • Darren H. – Mapleton
  • Ravi V. – Salt Lake City
  • Rodney T. – Spanish Fork
  • Steve C. – Springville
  • Lane A. – Saratoga Springs
  • Lauren W. – Spanish Fork
  • Claudia O. – Spanish Fork

Credit Card 3% Cash Back Balance Transfer

  • Corry O. – Pleasant Grove
  • Cristobal V. – Springville
  • Gayle V. – Spanish Fork
  • Emily S. – Draper
  • David M. – Orem
  • Kiara A. – Orem
  • Anna W. – Provo
  • John H. – Eagle Mountain
  • Claudia A. – Provo
  • Christina T. – Sandy
  • Shannon B. – Salem
  • Walter C. – Salt Lake City
  • Cheyenne B. – Lago Vista
  • Arleigh W. – Pleasant Grove
  • Andrea H. – Orem
  • Carol M. – Provo
  • Ronald C. – Vineyard
  • Michelle O. – Orem
  • Amanda C. – Santaquin
  • Sherry H. – Saratoga Springs
  • Jason H. – Orem
  • Dallen M. – Lindon
  • Melissa W. – Orem
  • Candace W. – Salem
  • Yu S. – Provo

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • William D. – Mapleton
  • David M. – Orem
  • Steven M. – Lindon
  • Cory W. – Eagle Mountain
  • Debbie H. – Spanish Fork
  • Jacob R. – Lehi
  • Blake B. – Alpine
  • Joseph E. – West Jordan
  • Lance M. – Mapleton
  • Troy T. – South Jordan
  • Tobias P. – Provo
  • Vijaykumar Y. – Pleasant Grove
  • David C. Y. – Salem
  • Nathan H. – American Fork
  • Penny W. – Nephi
  • Karalee T. – Lehi
  • Charles B. – Preston, ID
  • Phil S. – American Fork
  • Shanda A. – Springville
  • Chad H. – Vineyard
  • Kerstin L. – Orem
  • Justin T. – Orem
  • Rick P. – Provo
  • Ryan C. – Provo
  • Ivan S. – Lindon

Personal Loan 4.99% APR

  • Jimmy W. – Logan
  • Jessica L. – Salt Lake City
  • Jayme E. – Provo
  • Jorge R. – Spanish Fork
  • Scott S. – Springville
  • Jarin S. – Henderson
  • Gildardo G. – Springville
  • Ayisha M. – Pleasant Grove
  • Allie T. – Provo
  • Carrie W. – Mapleton
  • Matthew S. – Narberth
  • Sabrina D. – Eagle Mountain
  • Sienna T. – Provo
  • Jason J. – Sandy
  • Richard W. – Franklin
  • Brian R. – Saratoga Springs
  • Ifeanyichukwu N. – Springville
  • Spencer H. – Springville
  • JonAnn G. – Knoxville
  • Kim S. – American Fork
  • Connie W. – Lehi
  • Nathan E. – Lehi
  • Renee H. – Orem
  • Emily U. – Saratoga Springs
  • Jeffrey R. – Provo

Mortgage Free Home Inspection

  • Kendra S. – Provo
  • Glen S. – Spanish Fork
  • Brian B. – Pleasant Grove
  • Brandon C. – Mapleton
  • Frances P. – Provo
  • John S. – Draper
  • Grant J. – Orem
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11/27 Black Friday Loan Deals Winners

The following winners of the 11/27 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Brian M. – Orem
  • Robert P. – Bountiful
  • Catherine P. – Orem
  • Brett W. – Saratoga Springs
  • Jenny L. – Santaquin
  • Alexsei P. – Nephi
  • Jared J. – Saratoga Springs
  • Darren F. – Orem
  • Amber H. – Elk Ridge
  • Jared H. – Mapleton
  • Jason W. – Saratoga Springs
  • F Lucretia T. – Elk Ridge
  • Jacob J. – Saratoga Springs
  • Joseph B. – Provo
  • Connor F. – American Fork
  • Meghan G. – Sandy
  • Morgan B. – New Albany
  • Katy H. – Lehi
  • Thomas T. – Orem
  • Kelly and Heather K. – Payson

AUTO No Payments for First Three Months

  • Kevin F. – Springville
  • Kolton G. – Orem
  • Rebecca M. – Orem
  • Alan E. – Spanish Fork
  • Cody D. – American Fork
  • Josh J. – High Point
  • Cole W. – Eagle Mountain
  • Jonathon J. – Mapleton
  • Brayden W. – Payson
  • Jacob K. – Orem
  • Nancy J. – Springville
  • Sandra C. – Springville
  • Andrew S. – Eagle Mountain
  • Chad D. – Ogden
  • Lori W. – Fort Worth
  • Jared J. – Lehi
  • Charles F. – Sandy
  • Sharee M. – Payson
  • Nancy J. – Springville
  • Crissa B. – Payson

Credit Card 3% Cash Back Balance Transfer

  • Gina W. – Lindon
  • Nancy H. – Cleveland
  • Bryan T. – Orem
  • David N. – Spanish Fork
  • Pearl H. – Pleasant Grove
  • Kevin T. – West Jordan
  • Mehanamaiola K. – Provo
  • Juan C G. – Kearns
  • Deborah L. – Lehi
  • Nathan R. – Mapleton
  • Shelley D. – Ogden
  • Julie B. – South Jordan
  • Felisha M. – Orem
  • April T. – Taylorsville
  • Brian H. – Vineyard
  • Brad O. – Lehi
  • Richard V. – Orem
  • John R. – Payson
  • Peter C. – Heber City
  • Darrell R. – Salt Lake City
  • Sara D. – Cottonwood Heights
  • Rebecca H. – Lindon
  • Belja A. – Murray
  • Jacob O. – Spanish Fork
  • Oleah M. – Green River

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Dustin T. – Highland
  • Amie C. – Spanish Fork
  • Karen B. – Santaquin
  • Debie J. – American Fork
  • Emily R. – Woodland Hills
  • Rebeca H. – Orem
  • Roselle H. – Mapelton
  • Michael T. – Mapleton
  • Brandon P. – Herriman
  • Raymond C. – West Jordan
  • Michelle T. – Orem
  • Dominque E. – Mapleton
  • Lisa H. – Mapleton
  • Spencer P. – Mapleton
  • Peggy E. – Eagle Mountain
  • Alan U. – Sandy
  • Chris C. – Draper
  • Tammie C. – Springville
  • Zachary B. – Herriman
  • Elli H. – Spanish Fork
  • Michelle F. – Springville
  • Gary A. – Provo
  • Maria H. – Highland
  • Megan S. – Provo
  • Glen M. – Payson

Personal Loan 4.99% APR

  • Byron M. – Mapleton
  • Jared B. – Springville
  • Kristi G. – Provo
  • Ammon P. – Provo
  • Eric S. – Provo
  • Baylee V. – Pleasant Grove
  • Catherine B. – Salt Lake City
  • Melinda W. – Provo
  • Sultan A. – Pleasant Grove
  • Patrick A. – Orem
  • Arlene E. – Eagle Mountain
  • Eric K. – Lehi
  • Travis T. – Lehi
  • Jeremy C. – Springville
  • Daniel W. – Saratoga Springs
  • Steven H. – Eagle Mountain
  • Michelle G. – Lehi
  • Christina K. – Orem
  • Jennifer C. – Springville
  • Jason S. – Saratoga Springs
  • Joel C. – Utah
  • Brittani D. – Saratoga Springs
  • Crystal Y. – Highland
  • Renee L. – Pleasant Grove
  • Chasity B. – South Jordan

Mortgage Free Home Inspection

  • Taz S. – Taylorsville
  • LaNae S. – Lehi
  • Ryan H. – Layton
  • Lindsay W. – Oklahoma City
  • Mandy T. – Orem
  • Taylor O. – American Fork
  • Jordin C. – Heber City
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11/24 Black Friday Loan Deals Winners

Auto 0.99% APR

  • Tregan E. – Sandy
  • Josh E. – Spanish Fork
  • Travis I. – Lehi
  • Jared E. – Spanish Fork
  • Shane S. – West Valley City

AUTO 1.99% APR

  • Karin P. – Springville
  • Darin R. – Santaquin
  • Esther A. – Lehi
  • Aaron J. – Mapleton
  • Matthew R. – Lehi
  • Rusty B. – American Fork
  • Chelise W. – Payson
  • Sharon C. – Orem
  • Roger P. – Mapleton
  • Laurie F. – Sandy
  • Osvaldo S. – Provo
  • Nicholas R. – Highland
  • Deborah A. – Orem
  • Kevin K. – Orem
  • John B. – South Ogden
  • Ashly M. – Lehi
  • Janice W. – American Fork
  • Stephen M. – Orem
  • DeVan L. – Mukilteo, WA
  • Josue R. – Springville

AUTO No Payments for First Three Months

  • Myron B. – Eagle Mountain
  • Tricia B. – Heber City
  • Ben S. – South Jordan
  • Makenna F. – Spanish Fork
  • Malcolm B. – Highland
  • Adam M. – West Jordan
  • Diana S. – Lehi
  • Marc W. – Lehi
  • Josh S. – West Jordan
  • Ansley F. – Lindon
  • Jeremy M. – Herriman
  • Adam C. – Springville
  • Nicolette A. – Saratoga Springs
  • Melany L. – Provo
  • Annaletta M. – Eagle Mountain
  • Melinda M. – Orem
  • Angela H. – Orem
  • Andrew W. – Lehi
  • Connie S. – Provo
  • TJ M. – Salem

Credit Card 3% Cash Back Balance Transfer

  • Melanie J. – Manti
  • Peter S. – Nephi
  • Brandon L. – Sandy
  • Audra P. – Orem
  • Eric K. – Alpine
  • Carolyn A. – Heber City
  • Shelli G. – Herriman
  • Haven N. – Payson
  • Michael C. – South Jordan
  • Melissa A. – Sugar City
  • Melanie H. – Pleasant Grove
  • James J. – Eagle Mountain
  • Jared W. – Orem
  • Alycia R. – Pleasant Grove
  • Vitto C. – Park City
  • Marc T. – Riverton
  • Kimball D. – Draper
  • Dale H. – Grand Junction, CO
  • Randall L. – Orem
  • Kathy D. – Riverton
  • Donald J. – Orem
  • Stephen M. – Saratoga Springs
  • Kristy S. – Eagle Mountain
  • Marci L. – Wellsville
  • Tiercy H. – Eagle Mountain

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Erin K. – American Fork
  • Bryan K. – American Fork
  • Ryan R. – Salem
  • Richard G. – Highland
  • Rob M. – Pleasant Grove
  • Stacy D. – Orem
  • Roger W. – Mapleton
  • Nancy T. – Vineyard
  • Patrice H. – Heber City
  • Alyssa N. – Spanish Fork
  • Daniel B. – Riverton
  • Shantel J. – Eagle Mountain
  • Gina B. – Orem
  • Doug M. – Salt Lake City
  • Ray M. – Lindon
  • Lindi S. – Saratoga Springs
  • Nick S. – Saratoga Springs
  • Robert W. – Eagle Mountain
  • Gabriela R. – Spanish Fork
  • Darrell H. – Bluffdale
  • Daniel C. – Provo
  • Patricia H. – South Jordan
  • Emily C. – Genola
  • Gary C. – Herriman
  • Donald H. – Highland

Personal Loan 4.99% APR

  • Richard F. – Payson
  • Jonathan B. – Orem
  • Carla H. – Saratoga Springs
  • Trevor T. – Eagle Mountain
  • Belinda C. – Lehi
  • Morgan R. – Saratoga Springs
  • Camille C. – Springville
  • Michelle W. – Saratoga Springs
  • Rebecca J. – Provo
  • Michael O. – Provo
  • Kristy S. – Payson
  • Lionel R. – Eagle Mountain
  • Colleen F. – West Jordan
  • Monique F. – Wallsburg
  • Jared J. – Lehi
  • Jay M. – Orem
  • Seth W. – Salt Lake City
  • Taralyn F. – Provo
  • Christy H. – Eureka
  • Sandra B. – American Fork
  • Rohit R. – Draper
  • Scott T. – Springville
  • Nancee H. – Midway
  • Aaron H. – Layton
  • Mary B. – Spanish Fork

Mortgage Free Home Inspection

  • Rebecca F. – American Fork
  • Jacey W. – Provo
  • Stephanie M. – Salem
  • Richard N. – Riverton
  • Kyle C. – Heber City
  • Aaron B. – Bluffdale
  • Danny R. – Saratoga Springs

Mortgage $2500 RC Willey Shopping Spree

  • Breanna B. – Spanish Fork

 

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Credit Unions Vs. Banks: The Choice Is Clear

Obviously, banks and credit unions offer a lot of overlapping services. Both banks and credit unions take in deposits, administer checking and savings accounts, issue credit and debit cards, and provide home loans in addition to consumer loans.

The key difference: Ownership structure

Banks are corporations – owned by their stockholders. Typically, and especially with larger banks, these shareholders are Wall Street institutions. However, there are many smaller neighborhood and regional banks with more local ownership. Credit unions, on the other hand, aren’t owned by stockholders on Wall Street; we’re owned by our members on the local Main Street!

True, neither banks nor credit unions are in business to lose money. We both need to make profits on our goods and services to stay in business. The difference is this: When a bank makes money, they send their profits to their stockholders. When a credit union makes a profit, on the other hand, we pass it on to our members. This can be in the form of a dividend or credit, better rates, technological investments and a variety of actions that bring greater value to members of the cooperative. And because we’re not so focused on pleasing distant shareholders through issuing a dividend every quarter, we can frequently offer services and loans with lower costs than banks.

Our mutual ownership structure gives us another advantage too: Wall Street can’t pressure us to make unwise decisions for short-term gains at the expense of our membership. Every decision we make is solely in the long-term best interest of our shareholders.

For example: In normal economic times, credit union and bank failures are very rare. That story changed during the mortgage crisis of 2008-09. Leading up to the crisis, publicly traded banks were under intense pressure from Wall Street to make questionable loans so they could keep short-term numbers up. Credit unions were free to make sound and rational decisions that were in the best interests of members, not Wall Street. According to information published by the Federal Deposit Insurance Corporation and the National Credit Union Association, banks were failing at a rate three times higher than credit unions in 2008, and had a failure rate of five times that of credit unions.

In good times, credit unions have a great track record. And when times are tough, there’s no comparison.

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Dealing With A Financial Setback

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a pink slip. It may be a medical emergency that isn’t covered by insurance, or some good news that will cost you a bundle, like a wedding or the birth of a baby.

It’s impossible to plan for every financial hit you will take in your lifetime.

The question is: What are you going to do about it?

You could ignore it, and keep borrowing or charging to pay for daily expenses when your income is swallowed up by the surprise. By going that route, you’ll be paying a lot more than you should for this setback because of accumulated interest. But you have options–there are proactive steps you can take. So, if you’re hit with hard times, keep these tips in mind:

1.) Don’t panic

Panic is the first reaction many people have when experiencing a financial setback. It won’t be easy, but do your best to keep your cool. Keeping calm will allow you to think more clearly and resolve your deficit quicker. Remember, as difficult as things seem, they’ll always look a little better after some levelheaded planning.

2.) Crunch the numbers

I’ll disappear if you just ignore me and pretend I don’t exist, said no problem – ever. That’s because problems won’t disappear when they’re ignored, especially not money problems. If anything, they snowball into a mountain of financial issues you really don’t want. So, difficult as it might be, sit down and figure out exactly how much more money you’ll need in order to cover your new expense, or to fill the gap of an income loss.

3.) Keep the money coming in

When you’re dealing with a financial setback, you’re looking at less money than you need to get you through the month. The only way to stretch what you have to fit your needs is to earn more or to spend less. Since tightening your budget is almost always stressful, try to find ways to add to your income first. If possible, put in more hours at work or seek extra projects, even if it means working nights and/or weekends. Consider freelancing or consulting if you can. Take a side job for some extra cash. Do whatever it takes to bring in a little more money to cover the additional expenses.

If you’ve been laid off or your hours have been cut, it’s OK to work at a job that is below your skill level until you find something more permanent. There’s no shame in earning an honest living.

4.) Trim your spending

Now, it’s time to see which expenses you can trim. Before cutting your budget in half, though, take the time to prioritize. List all the expenses you cannot do without and the ones that would be irresponsible to neglect. Don’t skip mortgage payments or neglect your insurance premiums because you’re short a few hundred dollars. Instead, take an honest look at your remaining expenses and see where you can cut back.

If you’re careful, you may be able to cut your grocery bill in half. Trim spontaneous purchases by only using cash – and keep a minimal amount on you at all times. If you’re a two-car family, consider scaling back to one car for now. Push off your vacation plans until things start looking up. Do whatever you can to come up with the extra cash.

5.) Contact your creditors

If you absolutely cannot make some of your minimum monthly payments anymore, contact your creditors before they come calling on you. It’s always best to be up front about your financial situation. Most creditors will be happy to work out a reasonable payment plan with you.

6.) Reach out to family and friends

The people who care about us most are the ones who can get us through anything. Don’t be embarrassed to tell your family and friends what’s going on. They’ll support you and encourage you until you get back on your feet, and they may even be able to help you out with employment opportunities or helpful contacts.

7.) Be proactive

Hindsight is always 20/20. Harness the urgency you feel now to get into the habit of building up an emergency fund. As soon as you’re back on your feet, start putting away money that can be pulled out in future setbacks. Experts recommend that you have 3-6 months worth of living expenses saved up in case you can’t work for any reason. Knowing you have that money to fall back on will take the stress out of these situations.

Do you need help recovering from a financial crisis? Call, click, or stop by a UCCU branch today for help with money management and ending the debt cycle.

Your Turn: How have you maintained your equilibrium during a financial setback? Share your best tips and advice with us in the comments!

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