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Christmas

How to Make Your New Years Resolutions a Success

New Year’s resolutions are common practice after the first of the year. Many of the most popular resolutions regard health, finances, and careers/education. According to University of Scranton’s Journal of Clinical Psychology the top 4 most popular resolutions among Americans are to lose weight, get organized, spend less and save more, and to enjoy life to the fullest.

In order to help make this new year a more successful one here are some tips to help:

  1. Focus on one goal at a time – Trying to incorporate too many goals and resolutions all at once can be overwhelming. Taking your progress slowly will motivate you without causing too much stress.
  2. Isolate what makes it important – Recognize what makes your goals pertinent and important to you. If you need to lose weight for health reasons, remind yourself that. Isolating the WHY is the most important way to motivate success.
  3. Make it tangible and specific – Avoid sweeping statements like “I want to live abroad one day”. Making vague generalizations is the difference between a daydream and reality.
  4. Put a date on something – Dates help create motivation. We all work that little bit harder when there is a deadline and a time frame to work under.
  5. Think BIG but act small – Choose something that will stretch you but not overwhelm you.
  6. Don’t go off course two days in a row – If you make mistake –like go off your diet–don’t let it completely de-rail you. Pick yourself back up again and keep going. Don’t give up because you missed one day. We are all human, so just keep pushing forward.
  7. Tell other people your goals –  We are innately social beings and alerting people to what you are trying to accomplish will help you stick to your guns. Tell your family, friends, co-workers, etc. and they can become your cheerleaders and allies in reaching your goals.

Once your goals have been isolated, planned, and written down, remember to be patient with yourself and keep pushing forward. Along with the new year comes tax returns. That’s why at UCCU we offer discounted services through Turbo Tax for all of our members. Head to our Turbo Tax website for more details and the opportunity to win up to $15,000.

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Christmas Shopping Tips

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Christmas is fast approaching, and sometimes it can seem impossible to buy presents for everyone, host and attend parties, stay in a budget, and keep your sanity. We hope the following tips will help you navigate through the holiday shopping season so you can enjoy this time of year.

Make a list

Making a list is one of the easiest ways to organize yourself this holiday season. Write down everyone you are planning to buy a gift for–no matter how small the gift is, and ideas for what to get and an amount you would like to spend. By planning everything out, you will be better equipped to handle this crazy and sometimes stressful season.

Start early

We’re already into December now, but in the future try not to wait until after Thanksgiving to start shopping. So often while shopping we find the perfect gift for our boss or best friend when we aren’t looking for it. If you do keep your eyes open earlier in the year, once December hits you’ll be so glad you already have people crossed off your list. Just make sure to keep all your gifts purchased in advance in a designated spot so that you  don’t forget what you have already purchased.

Do your research – Shop Smart

Purchasing a present you do not know much about can be a daunting task. For example, if your husband wants a new camera and you are unsure  which brand or model to buy, search online for reputable reviews that can help in the decision making process. There are hundreds of websites where you can look up expert reviews on every kind of product available. Shopping smart is also a good idea, so use a price comparison website to find the best deal possible on whatever you need this holiday.

Pay with cash or debit card if possible

It may sound completely old-fashioned, but paying with cash is something that can help keep you on budget this year. If you want to take it a step further, getting larger bills like hundreds and fifties may make you think twice before putting up the big bucks. No one likes breaking a one-hundred dollar bill.

If carrying cash seems a little too old-fashioned, You can also try shopping with a debit card that only has a certain balance completely designated for holiday shopping. That way when the money’s gone, it’s gone.

Keep a running tally of your credit-card spending

When you come home from a day of shopping, immediately subtract what you’ve spent on your credit card from your checking-account balance. This helps give you a visual record of how much you’ve spent and also it ensures that you’ll have enough money in the account to pay the bill when it arrives.

Take advantage of Cyber Monday

Cyber Monday is known for being the biggest online shopping day of the holiday season. As a spin-off of Black Friday it takes the camping outside for days and long lines out of the picture. Cyber Monday allows you to find amazing deals, all from the comfort of your home. To help you stay even more in the know during this season, you can sign up to receive emails from your favorite stores to help you get advanced notice and member only deals.

Buy gifts online if traveling

If you are going out of town this season a great way to up convenience is to shop online. There is so much less hassle if you can ship the presents directly to where you are going to spend your holiday. Especially with flying, suitcases are prime real estate that should be designated for essentials, not Christmas Presents.

One great way to cut back on cost with online shipping is to find free shipping for the presents you buy. A great website that offers information about getting free shipping this holiday season is freeshippingday.com. On their website you will find a list of hundreds of retailers that will be participating in “Free Shipping Day”. All Free Shipping Day offers will be revealed on their website at 12:01am EST on Thursday, December 18, 2014.

Do it yourself

If you’re creatively inclined, try and find a way to harness your creativity into a thoughtful, handmade gift. Bake a batch of cookies, sew personalized tote bags or make beautiful earrings for friends and family. If you need to learn a new skill, look into taking some classes locally or invest in a how-to book. With so many online, and print resources you can make Christmas presents an easier, more thoughtful experience.

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The Giving Tree 2014

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As Christmas approaches, UCCU is proud to sponsor the Giving Tree, brought to you by United Way. UCCU has sponsored the Giving Tree for many years, helping hundreds of individuals and families in need. The Giving Tree program provides a way for whole communities to get involved in making sure that families in need can have Christmas presents for their children.

Each UCCU branch will provide a Giving Tree with names of local families and individuals who will benefit greatly from this program. GivingTreeCardTo participate in the Giving Tree, stop by any UCCU branch during the month of December to select a card with a person or family from the Giving Tree and tell a UCCU Employee which name you have taken.

Each card has information about the family, or individual–what they like, what size clothing and shoes they wear, and things they enjoy. You will then purchase gifts for your selected individual or family and bring the gifts back to the branch to be delivered.

Please return the gifts, unwrapped, to the UCCU branch you took the card from no later than Dec. 16th.

Join with UCCU and United Way in getting into spirit of giving this holiday season by participating in the Giving Tree!

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President's Message October 2014

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LOW PAYMENT CONSOLIDATION PLAN

Many people need breathing room when it comes to keeping monthly loan payments low – especially during the holiday season. The credit union has created a new home equity program designed to keep payments low and affordable. Payments on a $10,000 home equity loan are only $72.45 per month! So if you need to consolidate high interest loan payments, give a Home Equity Specialist a call at 801.223.7650 and see if a UCCU Low Payment Home Equity Loan can help! *

VOTED BEST

UCCU has continued to be “voted best” in 2014. Below are a few of the awards the credit union has received this year:

 We are happy to have such a great membership base of over 120,000 members, serving families locally and throughout the world. As a not-for-profit organization, we exist solely to serve the needs of our membership. Our mission is to help you make smart financial decisions by providing you services, information, and financial tools to help you set and reach your financial goals.

 At UCCU you can expect to earn more and pay less by taking full advantage of our services and benefits. Our qualified and experienced staff works diligently to provide the best banking experience possible – in person, over the phone, on your computer, and even on your mobile device.

 Thanks for making UCCU your trusted financial partner!

 As always, we are working hard to provide you with “First Choice” services and financial products and doing everything we can to help our members make smart financial decisions. We are your credit union – use us for all we’re worth!

 Jeff Sermon
President/CEO

*Assumes 10-year draw period and 15-year pack back period from last draw, property value 80% loan-to-value, primary residence, and located in Utah.  Repayment of $7.245 per $1,000 borrowed. Minimum payment of $50.00. Annual percentage rate may vary. Maximum Annual Percentage Rate (APR) 18.00%. Some restrictions may apply. On approved credit.


NMLS # 407653 

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'Tis the Season!

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This holiday season is filled with many things. We are busy preparing for the holiday with Christmas lights and home decorating, creating gift lists, thinking of that perfect gift for someone special, shopping, baking, scheduling parties, caroling, planning or attending numerous family and church activities, and bringing out our Christmas music collection to help us get into the Christmas mood. The season can be so busy that sometimes we may feel that the peace we all hope to find during this special holiday is competing with the “busy-ness” of the many things we do to prepare for the season!

Nevertheless, Christmas remains one of our most anticipated and cherished holidays. This is true for many obvious and powerful reasons, but one additional reason we enjoy Christmas is because it gives us all a chance to think of others and the opportunity to give.

Finding that elusive perfect gift for those we love is an emotional as well as a physical process. It causes us to think of others, their needs, their hobbies, their lives, and contemplate our relationships with them. Part of the magic of Christmas is the good feeling we experience when we give something to others. Giving helps us grow. Giving is a gift we give ourselves. Giving is an expression of our gratitude and an acknowledgment of our blessings. Giving is good for us.

As you already know, often the most precious gifts we can give to others aren’t the ones wrapped in sparkling paper and tied with colorful ribbons. They aren’t found under the tree on Christmas morning or tucked inside the stocking hanging on the fireplace mantel. Rather the most meaningful gifts we can give come in the form of words, expressions of love and gratitude, acts of kindness, assurances of friendship and trust. All of us will have many opportunities to give gifts this season. Along with the physical gifts, I hope we all take advantage of the opportunity this season will give us to grant those superior gifts to others. For some it may be the gift of friendship, For others it may be the gift of forgiveness. For some it may be the verbal expression of love and devotion, or the promise to try harder and do a little better.

When we successfully mix all these things together, I am convinced we have the recipe for a meaningful and very Merry Christmas and the foundation for a Happy New Year! We look forward to 2014 and the opportunity we will have to serve you!

We appreciate your membership at UCCU. We value our partnership with you and we sincerely wish you and your family and loved ones the happiest of holidays and a very Merry Christmas!

Jeff Sermon

President/CEO

Utah Community Credit Union

 

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The Giving Tree at UCCU

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‘Tis the season for giving!

As the holidays approach, UCCU is proud to sponsor the Giving Tree, brought to you by United Way. UCCU has sponsored the Giving Tree for many years, helping hundreds of individuals and families in need. The Giving Tree program provides a way for whole communities to get involved in making sure that families in need can have Christmas presents for their children. Each UCCU branch will provide a Giving Tree with names of local families and individuals who will benefit greatly from this program. To participate in the Giving Tree, stop by any UCCU branch during the month of December to select a person or family from the Giving Tree and get details. You will then purchase gifts for your selected individual or family and bring the gifts back to the branch to be delivered.

Join with UCCU and United Way in getting into spirit of giving this holiday season by participating in the Giving Tree!

UCCU is also joining with Community Action Food Bank for the annual food drive. Donate to the food drive by visiting any UCCU branch and donating food in the collection barrel there, or speak to a teller to make a monetary donation.

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UCCU's Black Friday Deals

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Tune in beginning on Black Friday for some amazing loan deals!

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