Welcome to WSCU's Fall Newsletter
Spend Smart & Win With e-Track!
With the holiday season fast approaching, e-Track can help you spend smart and stay on track so you're prepared for the extra spending in the months ahead.
Spend smart with e-Track for a chance to win CASH!
Set up a spending target in e-Track between October 1 and November 30, 2015 and be entered to win $500, $250, or one of three $100 prizes.
Click here for full details and rules.
Home Improvements - DIY or Hire?
Home improvement experts recommend answering a few questions before you begin any DIY project.
Is it worth your time and effort?
Before beginning a project, think about the time you have available to complete it and whether or not it's worth the time investment. Also, materials can cost more than you think, especially since professionals get better pricing.
How risky is it?
Any project that has the potential to seriously injure you or severely damage your home should be left to a professional. Avoid anything involving electrical lines, natural gas pipes, and even plumbing.
Do you have the knowledge, skills and equipment needed?
Some projects are quite extensive and require finite skills and special equipment to complete. Do you have everything you need to finish the project, and do it correctly?
Do you enjoy DIY?
Start with small DIY projects, such as painting a single room before tackling the entire interior. Take the time to research while evaluating your space, budget and true needs/wants.
Going Green is Easy & Affordable
The use of solar energy is increasing in popularity. So what is solar energy and how could it benefit you?
How Solar Energy Works
Solar photovoltaic (PV) panels are installed on the roof of your home. The panels convert sunlight to direct current (DC) electricity, which is fed into a power inverter. The inverter then converts DC to alternating current (AC) electricity to be used for your household needs.
Connecting to the Grid
A grid-tied system allows you to receive credit for excess electricity your panels produce. You can also receive electricity from the grid if production of your panels falls short of your needs.
This is the billing arrangement between solar energy users and the power company. Residents accrue credits, which roll over month to month. These credits provide major savings, and are a great way to bank excess energy during the sunny summer months to use in the winter.
Benefits of Solar Energy
Solar is fuel-free, pollution-free, and reduces line losses on the grid and provides energy during the daytime when energy is most expensive and in high demand. Solar also provides immediate energy savings after the initial up-front cost.
How to Get Started
to get more information on how to get started and take advantage of the 30% tax credit available until December 31, 2016. Financing is easy with a WSCU Home Equity Solar Energy Loan. Click here to apply.
Stress Less this Holiday Season
Here are 7 tips to help you avoid the added stress that comes with the holidays.
Preparation and No Procrastination
Use the time you have now to start planning, begin laying out your budget, and start watching for sales and coupons.
Writing down things that need to be done will ensure you don't forget anything.
Know Your Limit
Plan out your spending budget before you hit the malls, and remember that a gift from the heart is better than an expensive one.
Trim Your List
Consider who you really need to exchange gifts with, and try giving group gifts rather than individual ones.
Ditch the Crowds
Shopping from home saves fighting crowds, standing in line, and driving all over town. Many online stores offer discounts or free shipping, so take advantage.
For those items you end up buying in stores, always ask for gift boxes or bags with tissue paper. Some stores will even wrap the gift for free and save you last minute Christmas Eve wrapping.
Do What Matters Most to You
It's nearly impossible to see all your friends and family, so figure out what is most important to you, such as certain traditions, and make time for those. You deserve to enjoy the holidays too.
Commitment to Community
Each Friday in October is Pink Friday. We want all of our employees and members to wear pink in support of Breast Cancer Awareness. If you come into any branch wearing pink, you'll be entered into a weekly prize drawing. We will also make a donation to breast cancer research in your name.
WSCU will be holding a food drive to collect non-perishable items to be donated to the Rescue Mission of Ogden. Donations will be accepted November 2nd until December 9th. There will be large bins at each branch to collect the items.
Warm the Soles
Our Winter Skip-a-Payment gives you extra cash for the holidays. A fee of $35 applies for each loan payment skipped, and the proceeds are donated to the Warm the Soles program to purchase shoes for kids. Fill out the form
and mail or deliver to WSCU by December 31, 2015. Donations are also accepted at any branch.