Emotional Spending

Managing Emotional Spending

Does spending lift your spirits when life gets you down? Many of us turn to “retail therapy” when we feel down or stressed, and for a good reason. Studies show that shopping can trigger dopamine, which is a chemical in our brains that makes us feel good and fulfilled. For many, the act of spending… Read more »

Credit Counseling

The Lowdown on Credit Counseling

Have you ever wondered if credit counseling might help you? Most of us have never stopped to even think about what credit counseling is until we find ourselves facing a financial roadblock. Credit counseling isn’t just for those who need to improve their financial health — it can also help you to be more proactive… Read more »

Finance Tools

NEW: Financial Tools in Online Banking

Get a handle on your budget and visualize your net worth with the new and improved Financial Tools in Online Banking. Learn how to get started and make the most out Financial Tools’ features: Setting Up Financial Tools Getting started is easy. When you log into Online Banking after October 27th,  you’ll notice the Financial Tools… Read more »

Windfall

What Are Some Tips for Handling a Financial Windfall?

ASK A FINANCIAL PLANNER First, consider putting the money into a safe, liquid account such as a savings or money market account until you have time to take stock of your situation. Don’t spend or invest your windfall until you have a chance to: See a tax professional and analyze the tax-consequences — you may… Read more »

Dark Web

The Dark Web — A Gateway to Criminal Activity

We’ve recently taken a deep dive into the dangers of the Dark Web. We continue our series by shedding light on how transactions happen in the Dark Web and the criminal enterprise that exists in this mysterious, hidden place. Why is this important? The more you understand about how criminal activity works, the better prepared… Read more »

Should I Consider a Balance Transfer?

Strategies for Tackling Credit Card Debt

Credit card debt can feel overwhelming, but there are tools and resources available to get you back on the road to financial wellness. Consider these strategies for tackling credit card debt: Balance Transfer A balance transfer can be an effective way to tackle your credit card debt. In short, you transfer your revolving debt to… Read more »

Dark Web + You

The Dark Web + You

Criminals use the Dark Web, an anonymous region of the internet, for buying and selling stolen identity information, among other things. But what does this have to do with you? Let’s follow the story of Julia to see how all of this works in the real world: A Trip to the Mailbox One morning, Julia… Read more »

First Time Car Buyer Tips

Buying Your First Car? This is What You Need to Know:

Shopping for your first car is exciting, but it can also feel intimidating. It’s a major commitment, but one that will give you the freedom to go where you want, when you want. Before you head to the car lot, set yourself up for success by following these steps: 1. Start with a Budget Take… Read more »

Dangers of the Dark Web

Surface, Deep and Dark Web Explained You have probably heard people talk about the mysterious “Dark Web” where criminals gather to commit fraudulent acts that result in financial fraud, identity theft and more. But most people don’t really understand what the Dark Web is or how it works. Let’s start with a few facts about… Read more »

5 Financial Lessons from the Pandemic

5 Financial Lessons From the Pandemic

If you’re worried about paying your bills during this time, call our partners at GreenPath and talk with one of their financial experts. GreenPath is a complimentary service for SESLOC members — providing access to debt management services, and free one-on-one financial counseling and financial education tools. GreenPath financial counselors can help by creating a plan… Read more »