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Jami Kirksey
Program Manager
Consumer Topic of the Month -- make it a Thrifty Holiday
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Microsite > Consumer Resources

Consumer Resource Center

Monthly Outreach Packages

MCUCD is committed to providing a wide variety of consumer education resources. We want to help you make smart and safe financial choices for your and your family. MCUCD produces monthly outreach packages on a wide range of consumer issues and topics that are pertinent and timely each month. Click here for the December Outreach Package. You can also find past month's packages by clicking the left-hand tab.

Consumer Resource Center Expansion

Please check back often as we update and expand our consumer resource center. In addition to our monthly resource packages, we are building this site to be an information library, a one-stop-shop for our program participants, consumers, financial educators, counselors, and coaches. Visit again as we post digital resources and videos relating to the current month's topic.

You will be able to browse for presentations and resource guides, searchable by topic. You will even be able to find free, confidential financial counseling by locating one of the many counselors in our growing network. We hope to soon offer you all the tools, resources, and financial education materials that you can use to take control of your financial future or empower your members/clients.


Alana Listoe portraitHome ownership isn’t for everyone


It’s often said that the American Dream is being a homeowner, but for many, the most financially sound choice is renting. That decision should be applauded, because all too often Americans are living beyond their means or without decisions based on individual facts and figures.

There are considerations and emotions that deeply impact the end result of taking on a mortgage. The closing costs (between 2 and 5 percent of the purchase price) are just fees charged by others; while negotiating that the sellers cover this expense is common, it’s certainly not a guarantee. Taxes and insurance significantly impact the monthly cost and there’s no getting around it. No matter what, being a homeowner means shouldering the maintenance. That’s not a deterrent for those with handyman skills, but acquiring materials still impacts the checkbook and time.

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Additional resources

Want your holidays to be wrapped in more meaning this year? Check out the Center for the New American Dream.

Download this free coupon book for activities you can share with your loved ones this holiday season.

The Federal Trade Commission rings up its 2014 list of holiday shopping tips.


Montana Credit Unions for Community Development (or MCUCD) is the award-winning, charitable arm of the Montana Credit Union Network. A state-wide nonprofit organization, MCUCD works together with the state's credit unions to improve the lives and financial independence of all Montanans.