--- title: Blog (3) description: Read our latest blogs and stay up to date on your financial know how. (3) --- [![MembersPlusCU](https://blog.memberspluscu.org/hubfs/MembersPlusCU_February2025/images/MPCU-logo-with-tag-e1540818915924.png)](https://www.memberspluscu.org/) Toggle navigation - Personal Banking - [Products & Solutions](http://memberspluscu.org/personal-banking/) - [Members Checking](https://www.memberspluscu.org/personal-banking/products-solutions/members-checking/) - [Members Plus Checking](https://www.memberspluscu.org/personal-banking/products-solutions/members-plus-checking/) - [Rising Teen Accounts](https://www.memberspluscu.org/rising-teen-accounts/) - [Debit Mastercard®](https://www.memberspluscu.org/personal-banking/products-solutions/mc-debit-card/) - [Savings](https://www.memberspluscu.org/personal-banking/products-solutions/savings/) - [Club Accounts](https://www.memberspluscu.org/personal-banking/products-solutions/club-accounts/) - [Money Market](https://www.memberspluscu.org/personal-banking/products-solutions/money-market/) - [Certificates of Deposit (CD)](https://www.memberspluscu.org/personal-banking/products-solutions/certificate-of-deposit/) - 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[Become a Member](https://www.memberspluscu.org/membership/) - [Member Testimonials](https://www.memberspluscu.org/member-testimonials-2/) - [Frequently Asked Questions](https://www.memberspluscu.org/about/frequently-asked-questions/) - [Fee Schedule](https://www.memberspluscu.org/about/fee-schedule/) - [Welcome, Winchester!](https://www.memberspluscu.org/winchester/) - [News](https://www.memberspluscu.org/news/) - [Friends + Family](https://www.memberspluscu.org/friends-family/) - [Fraud + Resources](https://www.memberspluscu.org/security-financial-fraud/) - [Alerts](https://www.memberspluscu.org/alerts/) - [Newsletters](https://www.memberspluscu.org/newsletters-credit-union-updates/) - [Rates](https://www.memberspluscu.org/rates/) - [Branches](https://www.memberspluscu.org/find-a-branch/) # Blog - [About](https://www.memberspluscu.org/about) - \> - **Blog** - [About](https://www.memberspluscu.org/about) - [Holiday Closings](https://www.memberspluscu.org/about/holiday-closings) - [Annual Scholarships](https://www.memberspluscu.org/about/annual-scholarships) - [Blog](https://www.memberspluscu.org/about/blog/) - [Mission Statement](https://www.memberspluscu.org/about/mission-statement) - [Our Team](https://www.memberspluscu.org/about/our-team) - [Frequently Asked Questions](https://www.memberspluscu.org/about/frequently-asked-questions) - [Contact Us](https://www.memberspluscu.org/about/contact-us) - [Employment](https://www.memberspluscu.org/about/employment) - [Company](https://www.memberspluscu.org/about/company) - [Hours and Locations](http://memberspluscu.org/find-a-branch) - [Fee Schedule](https://www.memberspluscu.org/about/fee-schedule) - [Employment Application](https://www.memberspluscu.org/about/employment-application) #### Welcome To Online Banking [Account Login](https://www.memberspluscuonline.org/tob/live/usp-core/app/login/consumer) [Enroll: Online Banking](https://www.memberspluscuonline.org/tob/live/usp-core/app/register) [Enroll: Online Banking](https://www.memberspluscuonline.org/tob/live/usp-core/app/register) ## Our Blog Welcome to the Members Plus Credit Union blog! We will be providing you with tips, helpful information, financial advice as well as letting you in on our opinion! We hope you find the articles below not only helpful but interesting! --- [![Holiday Shopping Without the Guilt: Save Early, Spend Smart](https://blog.memberspluscu.org/hubfs/still-life-christmas-gift-boxes.jpg "Holiday Shopping Without the Guilt: Save Early, Spend Smart")](https://blog.memberspluscu.org/holiday-shopping-without-the-guilt-save-early-spend-smart) ### [Holiday Shopping Without the Guilt: Save Early, Spend Smart](https://blog.memberspluscu.org/holiday-shopping-without-the-guilt-save-early-spend-smart) #### Oct 1st, 2025 When it comes to holiday shopping, even though our intentions are good, we still sometimes tend to go overboard when it comes to spending. This often leaves us with a financial hangover in January, when the seasonal fun is over and holiday shopping bills are due! If you’re ready for some guilt-free... [Read More](https://blog.memberspluscu.org/holiday-shopping-without-the-guilt-save-early-spend-smart) --- [![Buying a Home on a Single Income: What You Need to Know](https://blog.memberspluscu.org/hubfs/flat-lay-real-estate-concept.jpg "Buying a Home on a Single Income: What You Need to Know")](https://blog.memberspluscu.org/buying-a-home-on-a-single-income-what-you-need-to-know) ### [Buying a Home on a Single Income: What You Need to Know](https://blog.memberspluscu.org/buying-a-home-on-a-single-income-what-you-need-to-know) #### Sep 17th, 2025 At Members Plus Credit Union, we understand that buying a home is a big deal. We also understand that buying a home on a single income - whether by choice or circumstance - can feel overwhelming. With the right planning, it is absolutely possible, and we are here to help guide you through the... [Read More](https://blog.memberspluscu.org/buying-a-home-on-a-single-income-what-you-need-to-know) --- [![Reimagine Your Savings: 4 Unconventional Ways to Reframe Your Financial Habits](https://blog.memberspluscu.org/hubfs/afro-brunette-s-latin-young-woman-decides-where-invest-accumulated-money-from-piggy-bank.jpg "Reimagine Your Savings: 4 Unconventional Ways to Reframe Your Financial Habits")](https://blog.memberspluscu.org/reimagine-your-savings-4-unconventional-ways-to-reframe-your-financial-habits) ### [Reimagine Your Savings: 4 Unconventional Ways to Reframe Your Financial Habits](https://blog.memberspluscu.org/reimagine-your-savings-4-unconventional-ways-to-reframe-your-financial-habits) #### Sep 3rd, 2025 How many times have you gotten off an e-commerce platform or home from shopping and felt buyer’s remorse? The barrage of television and online advertisements encourages us to make purchases we do not necessarily need instead of putting that money into a savings account. Ending impulse buys and the... [Read More](https://blog.memberspluscu.org/reimagine-your-savings-4-unconventional-ways-to-reframe-your-financial-habits) --- [![Buying Your First Home: Terms, Tips, and Traps](https://blog.memberspluscu.org/hubfs/family-moving-into-new-home.jpg "Buying Your First Home: Terms, Tips, and Traps")](https://blog.memberspluscu.org/buying-your-first-home-terms-tips-and-traps) ### [Buying Your First Home: Terms, Tips, and Traps](https://blog.memberspluscu.org/buying-your-first-home-terms-tips-and-traps) #### Aug 20th, 2025 Buying your first home is a big deal! It’s a very exciting time in your life, but it can also be a bit overwhelming when you’re a new homeowner. The team at Members Plus Credit Union wants to congratulate you on this major accomplishment, and also let you know that we are here for you with answers... [Read More](https://blog.memberspluscu.org/buying-your-first-home-terms-tips-and-traps) --- [![Financial Wellness in 2025: Avoiding Common Money Mistakes](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/financial-wellness-black-frame-with-word-financial-wellness-table-with-mason-jar-saving-bank.jpg "Financial Wellness in 2025: Avoiding Common Money Mistakes")](https://blog.memberspluscu.org/financial-wellness-in-2025-avoiding-common-money-mistakes) ### [Financial Wellness in 2025: Avoiding Common Money Mistakes](https://blog.memberspluscu.org/financial-wellness-in-2025-avoiding-common-money-mistakes) #### Aug 13th, 2025 Financial Missteps You Need to Skip [Read More](https://blog.memberspluscu.org/financial-wellness-in-2025-avoiding-common-money-mistakes) --- [![Smart Ways to Use a Personal Loan](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/pexels-andrea-piacquadio-3760067-1.jpg "Smart Ways to Use a Personal Loan")](https://blog.memberspluscu.org/smart-ways-to-use-a-personal-loan) ### [Smart Ways to Use a Personal Loan](https://blog.memberspluscu.org/smart-ways-to-use-a-personal-loan) #### Aug 13th, 2025 The personal loan continues to rank among the most popular borrowing options because they offer tremendous flexibility. Getting approval for these unsecured products is largely based on credit scores, income, and repayment history. Because local lenders place few restrictions on their use, smart... [Read More](https://blog.memberspluscu.org/smart-ways-to-use-a-personal-loan) --- [![Financial Terms Decoded: Your Guide to Banking Jargon](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/photo-confused-hesitant-young-woman-raises-palm-bewilderment-concentrated-drinks-takeaway-coffee-stands-indoor-wears-fashion-clothes-isolated-green-w.jpg "Financial Terms Decoded: Your Guide to Banking Jargon")](https://blog.memberspluscu.org/financial-terms-decoded-your-guide-to-banking-jargon) ### [Financial Terms Decoded: Your Guide to Banking Jargon](https://blog.memberspluscu.org/financial-terms-decoded-your-guide-to-banking-jargon) #### Aug 13th, 2025 When it comes to banking and finance, there are some keywords that you should be familiar with. Knowing the common banking jargon is a smart way to ensure you can effectively manage your accounts and understand exactly what you are dealing with when it comes to money. Here are some of the most... [Read More](https://blog.memberspluscu.org/financial-terms-decoded-your-guide-to-banking-jargon) --- [![Loud Budgeting Explained: Master Your Finances with Members Plus](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/young-european-woman-dressed-plaid-shirt-jeans-holds-piggy-bank-talks-about.jpg "Loud Budgeting Explained: Master Your Finances with Members Plus")](https://blog.memberspluscu.org/loud-budgeting-explained-master-your-finances-with-members-plus) ### [Loud Budgeting Explained: Master Your Finances with Members Plus](https://blog.memberspluscu.org/loud-budgeting-explained-master-your-finances-with-members-plus) #### Aug 13th, 2025 What Is Loud Budgeting? There is a new technique being used today called loud budgeting that allows you to take a proactive and transparent approach to money management. This out loud approach is unique and encourages people to engage in money conversations about spending, saving, investing, and... [Read More](https://blog.memberspluscu.org/loud-budgeting-explained-master-your-finances-with-members-plus) --- [![Budgeting 101: Top 10 Tips for Making and Following a Monthly Budget](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/josh-appel-NeTPASr-bmQ-unsplash-scaled.jpg "Budgeting 101: Top 10 Tips for Making and Following a Monthly Budget")](https://blog.memberspluscu.org/top-10-tips-for-making-a-monthly-budget) ### [Budgeting 101: Top 10 Tips for Making and Following a Monthly Budget](https://blog.memberspluscu.org/top-10-tips-for-making-a-monthly-budget) #### Aug 13th, 2025 Never had a monthly budget before? Here are some tips to get you started. [Read More](https://blog.memberspluscu.org/top-10-tips-for-making-a-monthly-budget) --- [![5 Tips for Anyone Buying a House in a Cool Market](https://blog.memberspluscu.org/hubfs/Imported_Blog_Media/house-key-your-new-residential-home.jpg "5 Tips for Anyone Buying a House in a Cool Market")](https://blog.memberspluscu.org/5-tips-for-anyone-buying-a-house-in-a-cool-market) ### [5 Tips for Anyone Buying a House in a Cool Market](https://blog.memberspluscu.org/5-tips-for-anyone-buying-a-house-in-a-cool-market) #### Aug 13th, 2025 Shopping around for a new house? 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