Money talks.

Our blog is written by experts — who also happen to be real people who have experienced the same financial concerns you have. Read on for real talk about real finances.

Planning a vacation on a budget

Whether you’re a college student considering what to do over spring break, a busy parent pondering family trip options, or a working professional who needs a recharge-and-refresh kind of breather, a vacation is likely just what you need. Fortunately, you don’t need to drain your savings account just to embark on some travel. When you plan a vacation within a reasonable budget, you can se... Continue Reading »

3 Important Steps to Transferring Credit Card Balances

If you’re chipping away at a mountain of credit card debt, you might feel like it’s a never-ending task. Part of the reason it can be hard to gain ground is high interest rates that continually add to your bottom line. If you’re looking at a pile of debt with a sky-high rate, a balance transfer might be a good option for you. While transferring credit card balances won’t magically make ... Continue Reading »

Tips to avoid identity theft

With reports of retail data breaches popping up all too often, identity theft protection is a real concern. No one wants to learn that their personal data has been compromised. Thankfully, there are steps you can take to help prevent ID theft. At Cobalt CU, we’re advocates of being proactive about safeguarding your financial information and identity. That’s why we’ve posted several blogs ... Continue Reading »

Money Management Tips to Help Your Resolutions Stick

Every January, we lay out our resolutions for the year to help us stay focused. Just putting them out there is a great first step: Research shows that people who openly make goals are 10 times more likely to reach them than those who don’t – and that applies to financial goals, too. But what’s the next step? How can you make it even more likely that you’ll keep those resolutions? Whet... Continue Reading »

Financial Tips for Freelancers

Transitioning from a corporate job to self-employment can feel overwhelming but exhilarating. You might be giving up steady paychecks (and all those break room snacks), but you’re gaining the thrill of being your own boss. Get started right by creating a financial tracking system that will help you keep a budget in line, pay your taxes correctly, and manage expenses. Here are five financial t... Continue Reading »

Money Management Tips for Couples

When you’re single, your financial success depends on your own actions. Your credit history, savings plan, and ability to repay debt rest solely on your shoulders. When you’re part of a couple, though, a new factor that’s often difficult to master comes into play: communication. Talking openly about finances can be difficult, especially as a pair: Your best money management tips may not a... Continue Reading »

Kids and Money: Top tips to help educate

Allowances, first jobs, babysitting cash, birthday money from Grandma – today’s youth have access to money in a way that previous generations may not have. Fortunately, they also have unprecedented access to financial tools and resources that can help them set good habits for life. Here’s a roundup of tips for teaching kids about money. Here’s a roundup of tips for teaching kids about m... Continue Reading »

Holiday-ready: Tips on saving money and adjusting your budget

Parties, gifts, travel, and events – the holidays are often a blur of activity and good cheer. Unfortunately, the season can also result in a flurry of expenses. In a 2012 poll by Think Finance, nearly half of those surveyed said they’d rather skip the holidays altogether, mainly due to financial concerns. Fortunately, you don’t need to play Grinch to keep from going into debt.Here are some... Continue Reading »

The identity theft prevention tips to know before your next purchase

Holiday shopping is just around the corner, and although you might be tempted to pay only in cash, there are other ways to prevent identity theft and keep your accounts safe from exposure. By learning the signs of ID theft and knowing the steps to take if you suspect your identity is being stolen, you can shut down the theft and protect yourself. With Cobalt Credit Union’s new e-book, The ... Continue Reading »

The Better Way to Purchase a Home: Cobalt’s Low Down Payment Mortgage

When you’re getting ready to buy a house, particularly for the first time, it can be challenging to navigate the countless fees, interest rates, and loan options. Fortunately, you’ve got a friend in the business. Read on to learn how, or visit the convenient Cobalt CU online mortgage center for more information. A buyer-friendly mortgage product Cobalt offers a mortgage product that aid... Continue Reading »