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Consumer Topic of the Month -- make it a Thrifty Holiday
Consumer Tip of the Week --Stress Less Spend More
Microsite > Monthly Outreach Packages

Monthly Outreach Packages

Browse through the archived outreach packages to share with your members and community. Each package contains the the topic, a poster for the display, a featured resource for the display, a newsletter article on the topic, and a resource guide.

December 2014 'Tis the Season for Thrift

November 2014 Home for the Holidays

October 2014 Breaking the Debt Cycle

September 2014 Financially Savvy Women

August 2014 Managing Student Loan Debt

July 2014 Military Family Finances

June 2014 Financial Elder Abuse

May 2014 Money Conversations

April 2014 Financial Literacy Month

March 2014 Consumer Protection

February 2014 Growing Your Savings

January 2014 Income Tax Basics

Alana Listoe portraitHome ownership isn’t for everyone

by ALANA LISTOE

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.

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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.