Unity One Credit Union

Look no further. Ten ways to save money!

Wed, Jul 11, 2012 @ 01:07 PM / by Erayne Hill posted in credit union, credit unions, save money, ways to save money


Unity One CU has done all the work for you. No need to scour Web sites. We've taken all the research and opinions and created a list of what we think are the top ten ways to save money. Get started today.

Top Ten

  1. Switch your bank account to a financial institution (FI) that cares like...a CREDIT UNION. In November 2011, half a million Americans ditched their banks and joined credit unions because they were fed up with unnecessary fees and charges. Yes, you can have a say-so. These consumers, as a result, saved hundreds of dollars. Why should you get charged to speak to a teller? At Unity One, there is no minimum balance for either a savings or checking account.
  2. Brown bag your lunch. Unity One member Stashia Thomas finds that making a sandwich for lunch only costs her $1.08 vs. $5-$10. It also saves her hundreds of calories.
  3. Use your library. Libraries are not relics from the past. They have vast collections in different formats, not just print. At the Fort Worth Library, you can download audio books and books for your e-reader. You don't even have to visit a branch to get the benefits.
  4. Enroll in an automatic savings program. Do yourself a favor, and let your FI help you save by enrolling in a savings program. The Savings Cents program, at Unity One, rounds your debit card charges to the next dollar and sweeps the rounded amount to any savings account linked to your account. You don't even have to lift a finger. The credit union helps you save -- no sweat.
  5. Remove your credit card from your online accounts. That way, when you are tempted to buy something, you'll have to dig out your card and type in the number. The time will hopefully make you think about if you need that purchase or not.
  6. Give yourself 10 seconds. Whenever you go to buy something, give yourself 10 seconds before putting it in your cart. Ask yourself if you need it or want it. You may look strange doing it, but at least you'll be strange with some change.
  7. Utilize online bill pay with your FI. Forget stamps and envelopes. Pay your bills with automatic bill pay. It's an easy, safe and efficient way to keep track of your balances and obligations.
  8. Compare prices. Just like you compare auto loan or dividend rates, you should compare upcoming purchase prices. Often, some stores will beat a competitor's price. This saves you even more money because you don't have to skip around from store to store.
  9. Drink more water. This one is super easy. Reduce soft drinks -- then perhaps you'll spend less time visiting the vending machine. Also, drinking water before meals reduces the amount of food that you eat.
  10. Offer up a service instead of a gift. Watch a pet for a coworker while he/she is out of town, offer an evening's worth of babysitting for new parents, cook a speciality dish for a neighbor--you can add to the list. The point is that sometimes these services are more personalized and may be more helpful than a gift that you shell out dough to buy. Plus, it will save you some money, and it will be appreciated.
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