Page 14 - Work Force January 2021

CSEA’s statewide college scholarships available soon!
Graduating high school seniors who are dependents of CSEA active members are eligible to apply for and win one of our union’s statewide college scholarships.
CSEA awards 18 $1,000 Irving Flaumenbaum Memorial Scholarships (three in each region) every year.
Pearl Insurance and MetLife each sponsor a one-time $2,500 award.
In addition, eligible applicants are considered for the J.J. Kelly Memorial Scholarship, which is awarded to students who are the children of CSEA members killed or permanently disabled as a result of their jobs, or who died while an active CSEA member.
The 2021 application is coming soon to cseany.org
MONEY MATTERS
5 simple tips to help you keep more of your hard-earned money and safeguard your finances.
The beginning of a new year is the perfect time to take stock of your finances and make a fresh start.
As you step forward into 2021, taking care of a few little details can make a big difference – without a lot of effort.
1 Set up Emergency and Splurge Accounts
Create a “just in case” account to cover the unexpected. Build your savings with automatic transfers to the account on payday and you won’t even feel the pinch. While you’re at it, set up a “splurge” account because you deserve it.
2 Get Your Free Credit Report
Did you know you’re entitled to one free report per year? Order yours from Equifax, Transunion, or Experian at www.annualcreditreport.com and check for discrepancies.
3 Change Your Passwords
Make a note on your calendar to change your account password(s) every 90 days to stay ahead of cyber-criminals. Start in the first month of the year and with the seasons.
4 Comparison-Shop Your Cards & Loans
Write down the interest rates you’re paying on your credit cards and loans, then shop around. Finding a better rate can lower your monthly payments and the total interest you’ll pay.
5 Turn to the Experts
Struggling with financial issues? Need help setting goals?
The professionals at your financial institution can be a valuable resource for solutions and guidance.
Learn how the low, fixed-rate CSEA Visa Credit Card and other budget-friendly solutions from CAP COM help you save!
Visit www.capcomfcu.org/csea or call (844) 622-CSEA. Federally insured by NCUA
*Please do not use applications from previous years. Using an older application will disqualify a candidate.
14 The Work Force January 2021