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Spring Clean Your Wallet

Mar 08, 2019


Spring is a time of renewal. Think of it as a great time to freshen up your Wallet on tablefinances, too. Use that tax return to kick off an emergency savings account. Follow up on your New Year’s resolution to improve your credit score. Whatever your goal, now is the perfect time to get your financial house in order. Here are four strategies that will help:

  1. Clean up Your Credit. Your credit score has one of the biggest impacts on your financial life. Did you know you can check your credit report once a year for free with each of the three credit bureaus? Order one from a different bureau every four months to keep a regular eye on your credit report throughout the year. If you have a credit card or loan with RCU, you can see your credit score in online banking. If the score seems low, set goals to improve your responsible credit habits. Learn how to keep your credit score healthy with a quick lesson on credit scores and reports.

  2. Pay Bills on Time. Save yourself the hassle of mailing checks and protect against the costs of late payments by setting up automatic bill pay in online banking. Many retailers, banks, and credit unions (including us) let you pay your bills using your mobile phone. Take two minutes to learn how.

  3. Protect Your Accounts. Regularly checking your credit report and accounts for errors and unauthorized transactions will help you protect your identity. Review this brief lesson to learn how fraud happens and how you can help prevent it.

  4. Save for Emergencies. Many people don’t have enough savings put aside for unexpected expenses. If you fall into that category, best to start small. Slight adjustments in your daily routine can make a big difference in your ability to cover emergency costs or make on-time payments. And, since most savings accounts pay interest on the money deposited, your money grows over time, working for you. Learn some smart saving habits here.

No matter where you start your financial spring cleaning, incorporating these tactics into your life will give your personal finances a fresh start.

Access our entire library of financial education topics at:


This article was developed as part of Redwood Credit Union’s partnership with EVERFI, Inc.


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