Blog

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.

Save Money by Reading the Fine Print

It’s a recurring theme for financial success: know what you’re getting yourself into. Whether you’re opening a checking or savings account or applying for a loan, reading the fine print is one of the best ways to ensure you fully understand the financial product. Below, learn how to save money by paying close attention to the terms and conditions. Know your loan terms While applying fo... Continue Reading »

First Paycheck? Make it go further on a budget

Ah, there’s nothing like the thrill of getting that first paycheck from your first “real” job after college. You’ve probably spent it a million different ways in your head already, but before you use up the real thing, take a look at our tips for creating a budget. Get started on the right foot by allocating funds to savings, retirement, and more. And don’t worry: We’ll leave some room... Continue Reading »

Estate planning – it’s not just for retirees

When many adults hear the words “estate planning,” they immediately assume it’s something their parents should be thinking about. But it’s worth considering at a young age, says Beverly Hobbs, AAMS®, an LPL Financial Advisor with Cobalt CU Wealth Management, especially if you’re a parent or guardian. “We think of estate planning as planning for retirement, but it’s really not s... Continue Reading »

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 »