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Springtime means spring cleaning, and for many people, that means going through the large stacks of financial records and receipts that have accumulated over the years. Sorting out what to keep and what to shred can be a headache, so we’ve put together a handy guide on how long you should hang on to certain documents.

Pets can bring immeasurable joy to our lives, but it’s no secret that they also cost money. New pet owners frequently underestimate the lifetime cost of caring for a pet, which ranges from $20,000 to $55,000 for dogs and $15,000 to $45,000 for cats. But knowing the costs beforehand can help you assess whether you are financially ready to care for a pet. Keep in mind that the following costs are estimates based on information from the American Society for the Prevention of Cruelty to Animals and will vary depending on your specific pet.

Filing your tax return can feel overwhelming, but it doesn't have to. At SharePoint Credit Union, we care about your financial well-being, and that includes making tax season as stress-free as possible. In today’s tax prep guide, we’ll break down the filing process step-by-step, ensuring you stay organized and accurate.

With rising home prices and mortgage rates, many homeowners are choosing to renovate their homes instead of moving. And while improving your current home may be more affordable than purchasing a new one, it will still cost you. But if you’ve paid a significant portion of your mortgage, paying for that remodel may be easier than you think.

“The greatest wealth is health,” said the Roman poet Virgil. And although he coined the phrase over 2,000 years ago, it still holds wisdom for us today. Essentially, this proverb means that your physical and mental health are foundational for achieving life satisfaction and even financial success. Physical, mental, and financial well-being are intricately linked, influencing and impacting each other significantly. Physical ailments can strain your finances, financial stress can harm your mental health, and so on. Keep reading to explore how these aspects of your well-being connect and how to cultivate a balanced, healthy life.

The beginning of the new year is the perfect time to reassess your spending habits and set yourself up for financial success. Follow these tips to help you get started on your budget for 2025.

An auto loan is money you borrow to pay for a vehicle. But every auto loan is different, and comparing your options to find the best loan for you can save you thousands of dollars. In this blog, we’ll break down the variable components of an auto loan so that you know what to look for when applying for one.

Credit is the ability to borrow money for things you need now and pay for them later. It’s often necessary when purchasing something expensive, such as a car or house. But to secure credit, you need to build a positive credit score and credit history. That is, you need to prove that you are capable of paying off your debts before someone will entrust you with large amounts of credit. A landlord may check your credit score before allowing you to rent an apartment or other residential property. Other companies that charge you a monthly fee for their services, such as utility and insurance companies, may also check your credit before making an agreement with you. So, what’s the best way to build credit? By using a credit card.

While a college education brings many benefits, there’s no denying how expensive it has become. With student loan debt in the United States totaling $1.753 trillion, it’s more important than ever for students to be wise with their money. Whether you’re starting your freshman year or getting ready to graduate in a few months, these financial tips for college students will help you manage your money well.

The back-to-school season can feel like a whirlwind of expenses. From new clothes and supplies to electronics and extracurricular activities, the costs can quickly add up. But fear not! With a little planning and smart budgeting, you can navigate this season without breaking the bank.

Loans. It’s a word we hear all the time. But what exactly does it mean? And how do they work? Let’s break it down.

You might think that your kids are too young to learn about money, or that you don’t have to worry about that until they’re older. But the earlier you start teaching your kids healthy financial habits, the more those lessons will sink in and guide them as they grow older. As a parent, you hold the most influence over your kids and have the greatest opportunity to shape them into financially responsible people.

Have you ever dreamt of a secure financial future but felt intimidated by the world of investing? You're not alone! Many myths and misconceptions can hold people back from taking control of their finances. Here at SharePoint Credit Union, we believe everyone deserves the opportunity to grow their wealth, regardless of income level. So, let's debunk some common investing myths and empower you to reach your financial goals!

Are you planning on or considering purchasing a new home? Whether you're a first-time home buyer or a longtime homeowner, the process of buying a home can be both thrilling and exhausting. From budgeting to finding the perfect neighborhood to finding a realtor, there are numerous factors to consider during the home-buying experience. To help you navigate your decision with confidence, here are a few tips for your home-buying process.

As the new year approaches, many of us embark on the tradition of setting resolutions—goals that aim to improve various aspects of our lives. Among the most common resolutions, financial goals hold a significant place. Whether it's aiming for savings milestones, clearing debts, or investing wisely, the new year offers a fresh start to recalibrate our financial strategies.

As we gear up for the fresh start that comes with a new year, it's an opportune time to reflect on our financial well-being and set the stage for a prosperous future. At SharePoint Credit Union, we understand the importance of solid financial planning. To help you embark on the new year with confidence, here's a comprehensive guide to preparing yourself financially:

The winter season often brings unique financial challenges, from increased heating costs to holiday expenses. However, with the right strategies and a bit of planning, you can successfully manage your finances during the winter months without feeling the pinch. Continue reading our blog as we offer some key tips and strategies for navigating finances during the winter season.

Learning how to make smart choices with your money and following some easy financial literacy tips goes a long way in securing a stable and prosperous future for yourself and your family. Well-managed funds can make your goals more achievable and grant you peace of mind. Continue reading to explore tips for budgeting, saving, investing, and more!

Long-term care is an emotional subject that many people tend to avoid discussing or planning for until it becomes an immediate concern. However, the need can arise unexpectedly due to a number of reasons. Financial planning for long-term care is an essential part of securing your future and ensuring that you receive the necessary support when you need it. Continue reading our blog as we explore the importance of financial planning for long-term care.

When a newborn baby comes into the world, it is a life-altering experience that brings immense joy and responsibility. One of the most crucial aspects to consider when a child is born is your financial readiness and how to support your new baby. Raising a child entails various expenses, from prenatal care to education to toys, and everything in between. To ensure a smooth transition, thoughtful financial planning is essential. Continue reading our blog for some helpful tips on financial planning for a newborn.

Planning a wedding is an exciting and joyful time, but it can also be financially overwhelming and stressful. Establishing a well-thought-out budget is pivotal to avoiding overspending and ensuring a stress-free wedding planning process. Continue reading our blog as we will explore different ways to budget effectively during wedding planning.

Managing finances is a crucial aspect of running a small business. From keeping track of expenses to ensuring a steady cash flow, effective financial management plays a vital role in the success and growth of any enterprise. To simplify and optimize these processes, small businesses can turn to SharePoint Credit Union, a trusted partner that offers a range of comprehensive financial solutions. In this blog post, we will explore a variety of financial products and services provided by SharePoint CU that can empower small businesses, promote growth, and enhance their bottom line.

Maintaining good credit is a vital aspect of personal finance. It empowers you to achieve your financial goals and enjoy favorable borrowing terms. As a valued member of SharePoint Credit Union, we understand the importance of a strong credit profile. In this blog post, we will delve into the principles and strategies for maintaining good credit. By following these guidelines, you can safeguard your creditworthiness and pave the way for a brighter financial future.

Entering the real world after graduation can be both exhilarating and overwhelming. As recent graduates embark on their professional journeys, it's crucial to lay a strong foundation for their financial future. SharePoint Credit Union understands the unique challenges faced by graduates, and we are committed to supporting them with valuable advice and resources to help them navigate the world of financial planning. In this blog, we will explore essential tips for recent graduates and introduce the tools available on sharepointcu.com to assist them in budgeting and planning for their financial success.

The path to becoming financially secure is not linear. Nor is there a one-sizefits-all approach. But to put your head in the sand over saving and investing, whether for retirement or some other goal, is perhaps the worst strategy of all.

For most American households with pets, owners consider their pets members of their family. And this means spending a good chunk of the household budget on their care. In 2019, it was estimated that Americans spent more than $50 billion per year on their pets. Yet every year, millions of pets are surrendered because the owners did not have the resources or provisions in place to care for the animals when the owners died, became disabled, or could no longer afford them.