The DECU Daily, Author at Deere Employees Credit Union

When an individual or a household has a take-home pay that either equals or falls short of their monthly expenses, they are living paycheck-to-paycheck. This typically happens if there is little to no discretionary income available or if excessive debts and spending cause bills not to be paid on time. This means that these households [...]

Proper financial planning is important to prepare your finances for retirement or to help you reach larger financial goals. While many people understand the importance of a strong investment or savings strategy as part of that plan, others forget how important insurance can be. Without the proper insurance coverage, you could be putting your wealth […]

Both a rainy-day fund and an emergency fund can be great ways to prepare financially for unexpected future events. With the majority of Americans living paycheck to paycheck, it's important to be able to have money for things like losing your job or paying to fix your air conditioning when it breaks. While both a [...]

Many people make financial decisions that they believe will lead to a stronger overall credit profile for themselves without fully understanding the impact of those decisions. Unfortunately, a lot of these decisions are mistakes that end up hurting their overall credit and prevent them from being able to borrow money or get lower interest rates […]

Many parents wonder when the right time is to help their teens get a job. During the school year, it can be a tricky balance between focusing on their studies while trying to learn about all of the great things that come with being in the workforce. Some parents rationalize that their kids will have […]

Everyone loves a well-manicured lawn with the perfect shrubs and surrounding flowers or other plants. Many people dream of their perfect yard to show off and be on full display throughout the summer. A lot of the work required to get there starts in the spring, but unfortunately, there’s a lot going on financially during […]

Financial education is important for everyone looking to save, budget, or invest better. With the advances in technology, we can now digest this type of educational information by reading online articles or books and even through listening to podcasts on the go. Podcasts are starting to become the best way to learn new financial tips […]

One of the most significant changes in anyone’s life is when they welcome a new baby into their home and family. While it can be one of the most rewarding things anyone does, it’s also one of the most expensive. That’s why it’s important to prepare financially for your baby before delivery day. There are […]

Inflation is one of the most important topics in economics today. It is defined as a general rise in prices. This means that the cost of living goes up, and your dollar does not buy as much. Inflation can significantly impact your life, especially if you are on a fixed income or have to budget […]

Financial literacy is a term that refers to an individual’s understanding of financial concepts and their ability to make sound financial decisions. Financial literacy is incredibly important for everyone, not just those in charge of managing the family finances. The more you know about money, the better your chances are at financial security, both now […]

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