Author: Dexter Ochoa

Make the Most of Summer Without Breaking the Bank

Summer in Chicagoland is something special – block parties, backyard BBQs, lake trips, and time with the people who matter most. But all that fun can add up fast if you’re not careful. At Vicinity Credit Union, we’re here to help local families enjoy every sun-filled moment without worrying about overspending. Here’s how to plan a memorable summer that’s also financially smart. Backyard Fun Without the Big Expense You don’t need to leave town to feel like you’re on vacation. Spruce up your backyard with budget-friendly updates – think string lights, secondhand patio furniture, or a kid-friendly sprinkler setup. Check local community groups or neighborhood swaps before heading to big box stores. A cozy backyard setup brings the fun home. Shop Smart and Skip the Guilt Impulse buys love summer as much as we do. Avoid them by sticking to a list, setting a budget, and unsubscribing from “sale alert” emails that tempt you to spend on things you don’t really need. Take your time, price compare and keep your spending in line with your goals. Budget-Friendly Family Fashion Kids grow fast, and summer styles change quick – but that doesn’t mean you need to spend big. Look to consignment stores, online marketplaces, or even neighborhood swaps for gently used clothes and gear. It’s wallet-friendly, eco-friendly, and often filled with gems you can’t find in stores. Plan Ahead for Stress-Free Summer Fun Grab a calendar and map out your family’s summer plans – trips, camps, gear, outings. From there, set a realistic budget and look for early-bird deals or off-peak pricing. When you plan ahead, you get more time to enjoy the season and fewer surprises on your credit card statement. Vicinity Credit Union Is With You Every Step Whether you’re saving up for summer adventures or just trying to get more from your money, we’re here to support you. Our team is ready with friendly guidance, budgeting tools, and personalized options to help you stay on track. Let’s make this summer full of fun, family, and financial peace of mind – together.

Fresh DIY Ideas That Help Your Budget Bloom

Spring in Chicago is a time to refresh and maybe even roll up your sleeves and try something new. At Vicinity Credit Union, we believe in helping you make smart financial moves, especially when they can start right at home. From home projects to hobby-based side hustles, here are some family-friendly ways to save money and maybe even bring in a little extra. Turn Hobbies Into Income Got a knack for fixing things or creating something useful? Consider light woodworking projects, small home repairs, or restoring secondhand finds. These can turn into part-time income streams, especially when sold locally or online. It’s a great way to involve the family too – teach the kids while you build something together. Upcycle Gently-Used Gear Don’t toss out old boots, jackets, or gear just yet. A little patching or polishing can make them look new again. Whether you keep them or flip them at a resale shop, you’re saving money and reducing waste. It’s a small, smart step toward sustainable living. Breathe New Life into Old Furniture That old nightstand or wobbly chair? With a little sanding and paint, it could be your next weekend win. Refurbishing furniture is a fun and low-cost way to refresh your home or earn extra cash. List it on Facebook Marketplace or gift it to a neighbor – it’s a project with heart either way. Grow Savings Right from the Garden You don’t need acres to start gardening. Herbs on the windowsill, tomatoes on the patio, or a backyard veggie patch can all lower your grocery bills and feed your family fresh, healthy food. Got extras? Share with neighbors or local swap groups. It’s a great way to build community. DIY Energy Fixes for a Greener Home Ready to cut utility costs before summer? Here are a few ideas: Some fixes you can do yourself, others might require a pro. Either way, the savings are real. Build More Than Projects – Build Possibilities At Vicinity Credit Union, we’re all about helping local families thrive. Whether you’re trying a new side gig, refreshing your home, or setting a financial goal, we’re here to help make it happen. Have a DIY project in mind? Let’s build a budget that supports your goals.

Fraud Awareness: Protect Yourself and Your Finances

At Vicinity Credit Union, our members’ financial security is our top priority. Fraudulent activities are constantly evolving, and it’s crucial to stay informed to protect yourself and your hard-earned money. Whether you’re banking online, using your debit card, or making payments, knowing how to spot fraud and take action quickly can save you from serious financial loss. Here are some valuable tips to help you recognize and prevent fraud: 1. Recognize Phishing Scams Phishing scams are one of the most common forms of fraud. These scams involve fraudulent emails, phone calls, or text messages that appear to come from trusted organizations—like your bank, credit union, or even government agencies. They often ask for personal information such as your account number, Social Security number, or login credentials. Red Flags: What to Do: 2. Watch Out for Identity Theft Identity theft occurs when someone steals your personal information to open accounts or make unauthorized transactions. It can happen when you least expect it—especially if you’re not keeping track of your accounts. Red Flags: What to Do: 3. Secure Your Online Banking Online banking offers convenience, but it also requires vigilance. Cybercriminals are always looking for new ways to steal information online. Protecting your online banking account is a must. Tips for Secure Online Banking: 4. Protect Your Debit and Credit Cards Fraud can also happen when your debit or credit card information is compromised. Criminals may use your card details for unauthorized purchases or transactions. Red Flags: What to Do: 5. Keep an Eye Out for Impersonation Scams Impersonation scams involve someone pretending to be a representative from a legitimate company—often claiming they need to confirm your information or offer you a prize. They may ask you to send money or provide confidential details. Red Flags: What to Do: 6. Stay Informed and Report Fraud Immediately The faster you act, the less likely you are to suffer from fraud. If you suspect that you’ve been targeted or have fallen victim to fraud, immediately report it to us. Our team is ready to help you take the necessary steps to protect your accounts and resolve the issue. What to Do: Conclusion: Staying Safe with Vicinity Credit Union Fraud is a serious concern, but with the right precautions, you can significantly reduce your risk. At Vicinity Credit Union, we’re committed to keeping your financial information safe. By staying aware of common scams, safeguarding your personal information, and acting quickly if you suspect fraud, you’ll be better equipped to protect yourself. If you have any questions or need assistance, don’t hesitate to reach out to our team. Your financial security is our priority. Stay informed, stay protected, and stay safe with Vicinity Credit Union!