Current Newsletter - New Castle County School Employees Federal

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Video
Board of
Direct ors
President
Dave Taylor
Free and Low Cost Vacation Ideas
DearMember,
Welcome to the Summer issue of Class Notes!
Does summer vacation make you nervous because you instantly think about all the associated costs? Luckily, not every vacation has to be a drain on your wallet.
Check out our video that appears above for some great tips, then check out our Summer Loan Special that could help you pay for that vacation!
If you're looking to save money this summer, try skipping fast food and drive-thru options. No matter what your saving and spending goals are right now, tracking your
expenses is key to any budget plan. Our featured app this month is Monefy, a handy way to keep a handle on your expenses.
Enjoy the beautiful days of summer!
Vice President
Nancy M. Smith
Treasurer
Larry Gocella
Secretary
Bob Evancho
Directors
Ann T. Boniface
Virginia Dennis
Syd Goldberg
CEO
Terri L. Keene
HOU RS
Main Office
SUMMER HOURS
Monday - Friday
(begins Monday,
June 20th)
8:30am to 4pm
CLOSED Saturday
(begins June 18th)
CLOSED Sunday
WINTER HOURS
Monday - Friday
(begins Monday,
August 15th)
9am to 4:30pm
Saturday
(begins Saturday,
September 10th)
9am to 12noon
CLOSED Sunday
Member Appreciation Day An n ou n ced
Chrisitiana HS
Branch
(When school is in
session)
Monday,Wednesday,
& Friday
10 am to 1 pm
LOANS
Super Low Interest
VISA Credit Card
Our VISA Credit
Card will easily beat
the competition! Not
only are our interest
rates super low but
we don't charge any
balance transfer fees
or cash advance fee!
Make the switch
today. You won't
regret it!
Rates as low as
7.99%*!!
Signature Loan
Qu arterl y Ch arity Even t
'Breakfas t For Di nner' at the Ro nald McDo nald Ho us e o f Delaware
It's called a signature
loan because we
don't ask for any
collateral-- just your
signed promise to
repay the loan.
Borrow up to
$20,000 for whatever
your needs might
be.
Rates as low as
8.99%*
Auto Loans
Are you in need of a
new mode of
transportation?
NCCSEFCU can
help you afford the
vehicle you've
been dreaming
of with our low rate
auto loans!
The New Castle County School Employees Federal Credit Union staff had another great time preparing dinner for the Ronald McDonald House of Delaware on May
31st! This was our second time preparing dinner, which has been turned into a quarterly event. Not only has it been wonderful to give back to families of children in
our community but it has been an outstanding team building experience and a way for the staff to spend time together outside of work.
Currently financed
through someone
else? Let us see if we
can get you a better
rate.
Rates as low as
1.75%*
Ban kin g At You r F in gertips
NCCSEFCU Mobi le Banki ng App
Manage your accounts on the go through our FREE mobile app. Available on both Apple and Android
phones.
READ MORE
& DOWNLOAD HERE
*Rates are determined by term
and individual credit worthiness.
GOT AN APP F OR THAT?
Monefy: The App Fo r No- Fri lls Expens e Tracki ng
One of the wonderful truths about self-improvement is that the things we focus on tend to get better before we really even begin
changing anything. If you decide to start eating better and document your food choices, you'll make better general decisions when it
comes to food selection. If you want to cut back on coffee, start by counting each cup. If you plan to reduce your spending, the act of
writing down your purchases will actually encourage you to spend less.
With apps like Mint or Level Money, getting those initial benefits requires a long and perhaps complicated setup process. You need to
give the app access to all of your financial accounts, navigate dozens of menus and track down all your monthly bills. Only then will
your technology keep track of your spending for you. In instances like that, the first step to monitoring your personal finances is so
cumbersome, it becomes a barrier to just beginning the task. And that is unfortunate, because when starting a new challenge, nothing
helps build momentum like a few quick wins.
That's where Monefy comes in. Monefy is a new app recently released for iPhone and Android. Rather than automatically syncing with your accounts, it lets you tell it
how much money you have available to spend. That's it for setup. Once you've done that, you're ready to start tracking your spending. Rather than trying to
communicate with a dozen different financial institutions, Monefy keeps track of your transactions in a secure cloud storage system called Dropbox. Dropbox is noted
for its industry-leading encryption technology, and none of your account information is stored there.
In addition to the ease of setup, Monefy is pretty easy to run. Inside the app, you can create a new expenditure, add notes about it and categorize it. You can see your
remaining budget, edit old transactions and see a breakdown of your current spending. You can save and export your monthly transactions to any spreadsheet
program for long-term tracking, and you can even switch between currencies, which is the closest the app comes to having any "bells and whistles." Because the
app works on Dropbox, you can share the same budget across multiple devices, which helps families keep track of expenses together. Widgets also enable lock
screen access for quick recording.
Monefy comes with fairly general categories like food and housing. While they can be edited, it's somewhat of a cumbersome process in the free version of the app.
The free version also shows ads, although they're minimally intrusive. Features like recurring monthly expenses are also excluded in the free version.
Most negative experiences that have been reported thus far seem to be centered on stability issues. The developers are still working on an update system that works
seamlessly across platforms, so frequent data backup is a must. A few people seem to have problems with the user interface, too, but it seemed to work well enough
when we gave it our test drives.
If you're looking for a no-frills digital version of a checkbook register, Monefy will let you see how you're spending your money. It won't save money by itself, or
automatically deposit your savings in a brokerage account, but it will help keep you aware of your spending. And sometimes, that's really all you need.
Cu rren t Loan R ates
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