Get Credit Smart with Consumers

If you want to stand on your own when building credit or have been turned down and need some credit repair, Consumers Credit Smart can help! Our new program helps you build payment history to begin establishing or repairing your credit. Upon Read More

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Plan Ahead with an Emergency Fund

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, advises us on the most important savings account we can have: an emergency fund. He says, "Sickness, job loss, large home or car repairs can undo a well planned budget. An emergency fund Read More

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Start Saving Today

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, says, “The goal to financial security is to save—and save wisely. You’ve heard the term ‘saving for a rainy day.’ How about a vacation, a holiday, and more?” Listen for advice—and start Read More

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Cement Your Good Budgeting Habits

How do we make sure we continue our budgeting success once we've learned the skills? Tim Kosak, Consumer Lending Manager at Consumers Credit Union, presents tips to help maintain those new habits. “Once you make budgeting a good habit in your life,” Read More

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Family Budgeting Tips

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, discusses how to budget when you’ve got a family. “Family budgeting can seem overwhelming,” he says. “It’s often home and car expenses that get you down.” Listen for tips to help you stay Read More

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3 Ways to Save Daily

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, presents three ways you can save money every day. “Saving money for a rainy day is an important part of your budget,” he says. Listen to learn how. Read More

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Tools to Help You Budget

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, returns to present you with the tools you need to start your budget. “Budgeting is a discipline,” he says. “Something you begin to pay attention to everyday.” Figuring out which tools Read More

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How to Start Your Budget

Tim Kosak, Consumer Lending Manager at Consumers Credit Union, acknowledges that for some the word "budget" might as well be a four letter word. But, he adds, "Budgeting can be fun." So how do you get started—and why? Listen for his advice. Read More

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Good Debt vs. Bad Debt

"It's nearly impossible to live debt free," says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. "Not many of us can afford to pay cash for our homes or college for our children." Because of this, it's important to be smart about debt. Read More

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What Is Debt Consolidation?

If you've ever felt overwhelmed by debt, you may have wondered whether debt consolidation could be an option for you. "Debt consolidation can lower your interest rate and increase your cash flow," says Tim Kosak, Consumer Lending Manager at Consumers Read More