The Modern Wallet Blog
Spring Into Savings with Our New Budgeting Tool
Refresh your finances this spring with USF Credit Union’s new budgeting tool! Track spending, cut expenses, and level up your financial game with expert tips.
Swipe Right on Rewards This Valentine’s Day!
Make this Valentine’s Day even sweeter with USF Credit Union! Love your rewards and stress less about finances.
New Financial Wellness Series: 'Game to Get Fit?'
Each month, we’ll tackle key money topics to help you budget smarter, save more and reduce financial stress.
Close a Credit Card Without Hurting Your Credit Score
Learn how closing a credit card affects your credit score. Explore factors like credit utilization and account age, and discover steps to minimize negative impacts.
USF CU’s New ‘Plan Your Purchase' Offers Better, Smarter Way to Holiday!
Explore how USF CU’s “Plan Your Purchase” can make your holiday shopping smarter and easier.
Here’s How USF CU can Turbocharge Your 2024 Holiday Shopping
Get the most out of holiday shopping with smart budgeting, cash-back tips and fraud prevention advice from USF CU. Make 2024 a stress-free and rewarding holiday season!
5 Tips for Sticking to Your Holiday Budget
It’s all about planning ahead.
Review Your Financial Situation Regularly
What should you be looking at specifically?
Should You Invest if You're in Debt?
Here are the various factors to consider.
Figuring Out Tax Withholding
If you're getting money back, ask yourself these questions.
Building Financial Resilience
Living a financially fit life is very doable.
Three Common Money Mistakes
Find out how to fix them.
Learn About Money Market Accounts
Money market accounts offer many convenient features of checking accounts, with an attractive rate of return to help your money grow.
Fix Bad Money Habits
The peace of mind a healthy financial status brings is priceless.
Basic Steps To Financial Fitness
Gain control of your finances with these 5 steps.
Financial Advice You Should Never Follow
Make sure your sources are trustworthy.
Store Cards Are Rarely The Better Deal
Rates on retail cards are usually higher than credit union cards.
Teach Kids Money Management
If they have shown financial responsibility, a debit card/checking account can be a great next step.
The Financial Facts of Life
It’s never too late to begin learning.
Don't Lose Sleep Over Money
Americans' top 3 worries are debt, lack of savings and not having enough for retirement.
Budgeting for Infrequent Expenses
Many people live in a state of denial about the cost of infrequent expenses.
How To Talk Money With Your Partner
What happens when you and your partner have different approaches toward money?
Saving Money When There's Not Much to Save
How do you save when there is not much wiggle room in your budget?
Payday Loans Aren't Worth the Cost
It’s a trap that will cost you many times more than you borrow.
5 Reasons We Overspend
Let’s take a look at five common reasons and how we can overcome them.
How To Pay Off A Loan Early
If you’re like most Americans, you owe money on a large loan.
The Benefits of Using Mobile Payments
Why fumble for your wallet when checking out when you can pay using your phone?
The Importance of Being Financially Fit
Being financially fit is crucial for a well-balanced, stress-free life.
Should You Pay a Bill with a Credit Card?
Let’s take a closer look at the pros and cons.
Using Your Credit Cards Responsibly
Boost your credit score and financial wellbeing.
What's the Best Way to Tackle Debt?
Snowball Method vs. Avalanche Method
Preparing for an Interview
Present yourself as polished, professional and capable to any potential employer.
Getting Ahead on Your Student Loan Before You Graduate
Be sure to look at the larger picture before you accept a position.
All You Need to Know About Going Cashless
As our world grows increasingly digitized, many consumers are banishing cash from their wallets and choosing other ways to pay.
How to Create a Budget in 6 Easy Steps
A budget will help you gain financial awareness, which will help facilitate more responsible decisions.
How To Dispute An Error On Your Credit Report
As a financially responsible individual, you should be checking your credit on a regular basis.
Understanding The Credit Card Trap
Why do most Americans carry so much credit card debt and find themselves stuck in the debt trap?
Do My Monthly Bill Payments Affect My Credit Score?
Read on for three steps that can help your on-time monthly payments boost your credit score.
How Much Money Should I Keep In My Checking Account?
Let's find out.
The Ultimate Smart Shoppers Cheat Sheet
Did you know you should be timing your shopping throughout the week?
7 Money Myths You Need To Stop Believing
There are lots of money management tips that are false.
7 Signs You're Living Beyond Your Means
Here are steps you can take to get back on track.
How Many Credit Cards Should I Own?
Are too many cards a liability to your score?
Questions To Ask Before Making a Large Purchase
Before you say “yes”, ask yourself these 7 questions.
Turn Your Dream Vacation Into a Reality
Six ways to make that dream vacation come true.
How to Fund an Emergency
Do you have a secure plan in place for emergencies?
The Money Envelope System
Keep your spending in check.
The Dos And Don'ts Of Credit Repair
Our handy guide will help you get on the road to improving your score.