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Where did all my money go?

Where did all my money go?

If you find yourself running out of money before you run out of days until your next paycheck, you’re not alone. In fact, even people who earn tons of money find themselves in this situation every month. And the reason they do is because they have no idea where all their money went.

To figure that out, start with a money diary. Every time you buy or pay for something, write it down. This includes everything from your mortgage and car payment to something as small as a candy bar. Then at the end of the month, take a look and see where all your money is going.  Now look to see which expenses you can reduce or eliminate — like that large cup of fancy coffee every morning.

Once you find and reduce frivolous expenditures, take that money you would normally spend on them and deposit it into your savings account for a rainy day fund.

Next, establish a budget. Most financial experts recommend the 50/30/20 budget. 50% of your after-tax dollars on necessities like a mortgage, groceries, and other bills. 30% on wants like clothing and eating out. And 20% on savings and debt repayment. Tracking expenses and living on a budget may take some getting used to in the beginning, but over time it will give you a better financial future.

Annual Meeting

Annual Meeting

Join us at our Annual Meeting on Wednesday, January 29th at 6 pm. Come meet our staff and board members and learn about our plans for 2020. You must RSVP by January 24th at info@compassccu.org or by calling 707-443-8662. Location: Compass CCU Corporate Office, 321 Wabash Ave., Eureka Continue Reading

Waiting for sales isn’t the only way to save on big purchases.

Waiting for sales isn’t the only way to save on big purchases.

When it’s time to make a big purchase like a new TV, computer, furniture, appliances, or yard equipment, most people wait for a sale to buy them. And that’s a great way to save money. But then they’ll put their purchase on a credit card and make monthly payments. Or even worse, they’ll take out a loan. Continue Reading

Compass Community Credit Union

PO Box 1268
Eureka, CA 95502-1268

707-443-8662
800-440-8662

NMLS #423538

Federally Insured by NCUA

Compass CCU utilizes AudioEye to ensure that our site is fully accessible to all users. Click here to learn more.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.

Compass Community Credit Union

PO Box 1268
Eureka, CA 95502-1268

707-443-8662
800-440-8662

NMLS #423538

Federally Insured by NCUA

Compass CCU utilizes AudioEye to ensure that our site is fully accessible to all users. Click here to learn more.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.