Budgeting & Money Management

Managing your Finances in Tough Times

The recent outbreak of COVID-19 virus has sent the financial markets, local commerce and life itself into a tailspin. In times like this, the first thing consumers worry about is how they are going to pay their bills. This crisis, like others before, will pass and life will adjust and resume, but there are some…
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Getting Financially Fit in 2020

A New Year’s Resolution You Can’t Afford to Ignore When you think of New Year’s resolutions, you probably think about losing weight or giving up a bad habit like smoking or eating too much sugar, but the beginning of a brand new decade can also be an ideal time to hit the reset button on…
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Tips For Living Stress-Free This Holiday Season

For many, the holiday season is a time for making memories, sharing joy, seeing friends and family and….STRESS.  Holiday induced stress can ruin the holiday experience, and every year it seems that holiday stress grows. We stress about buying the right gift for people in our lives, juggling calendars and making time for everyone on…
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How to turn your holiday financial stress into 2020 success

It’s the most wonderful time of the year! December is a month full of food, family, goodwill, and cheer. ‘Tis the season to be jolly, yet the majority of Americans report feeling stressed during this month. A 2017 America Psychological Association study found that 62% of Americans stress about money and 61% stress about work…
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KEMBA Christmas Club

Be ready for the holidays with a Christmas Club Savings account from KEMBA Try as you might, putting money away for the holidays—money you promise not to spend until the Yuletide season—is a challenge for many people. KEMBA Financial Credit Union has the perfect solution: a Christmas Club Savings account. An easy way to save…
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Considering Home Ownership

If you are planning to make the move to home ownership, there are some things you’ll need to know before starting the process. Learn the basics with our free Home Ownership tutorial.


Taxes are a certainty in life. For most Americans, taxes are withheld from their paychecks and reconciled at the end of the year with a tax return. Learn how taxes work with our free Taxes tutorial.

Budgeting Tool

Building a monthly budget is key to making the most of your income. Use our free Budgeting Tool to create a manageable budget for your family.

Ways to Build Credit as a Student

You have to start somewhere. As a student, there are some easy ways to start building your credit history which will help you borrow for school, purchase a car and rent an apartment when the time comes. Learn what credit history is and how to start building a solid foundation when you are just starting…
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Rebuilding Credit After Bankruptcy

Some believe that bankruptcy is a process that you cannot recover from financially. While bankruptcy can be a daunting process, there are ways to rebuild your credit after filing for bankruptcy. There is hope for those who have gone through this process. Review our tips for rebuilding your credit after a personal bankruptcy.

Debt Management Plans

If you are losing sleep over your financial situation, a debt management plan may be just what you need. A debt management plan is simply a plan that helps you attack your debt with the income you have. A financial counselor can work with you to create the plan and help you stick to it….
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Money Management

Many Americans spend more than they make which over time snowballs into money problems. It also makes saving money difficult because there isn’t anything left after the bills are paid. This problem is demonstrated by the fact that 40% of Americans would have difficulty covering a $400 emergency. If you are struggling to save, you…
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Understanding Your Credit

Understanding your credit score can be tricky. There are many factors that go into your score such as the type and amount of debts you carry, your history of paying on time & more. Learn how your credit score is calculated, what a good score looks like and how to obtain a copy of your…
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Budgeting Worksheet

Any financial expert will tell you that a budget is a key component to managing your money. Whether you are paid monthly, weekly or bi-weekly, a budget helps you determine where your money goes and how much is left to save and spend. If you aren’t familiar with building a budget, follow this link to…
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