Home Improvement on a Budget

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Home Improvement on a Budget

Affordable Ways to Refresh Your Home

Spring is the perfect time to give your home a fresh start, but home improvement projects can quickly become expensive. The good news? You don’t have to spend a fortune to make meaningful upgrades. Whether you’re looking to boost curb appeal, refresh your living space, or improve energy efficiency, there are plenty of budget-friendly ways to enhance your home. Here are some smart and affordable home improvement ideas to tackle this spring.

1. Boost Curb Appeal Without Breaking the Bank

First impressions matter, and simple exterior upgrades can make a big difference. Try these cost-effective curb appeal enhancements.

Refresh the Front Door – A fresh coat of paint in a bold color can instantly modernize your home’s entrance.

Update House Numbers & Hardware – Swapping out old house numbers, mailbox, or door hardware is a quick and inexpensive update.

DIY Landscaping – Instead of hiring a landscaper, plant perennials, mulch garden beds, and trim overgrown shrubs for a tidy look.

Power Wash the Exterior – Cleaning your siding, driveway, and walkways can make your home look brand new for little cost.

2. Revamp Your Interior with Low-Cost Updates

Want to breathe new life into your home? You don’t need a full remodel to make an impact.

Paint Walls for an Instant Refresh – A new color can change the entire vibe of a room, and a gallon of paint costs far less than new furniture. Check out HGTV’s 2025 Color Trends.

Upgrade Cabinet Hardware – Swapping out old knobs and handles in the kitchen and bathroom can give the space a modern feel.

Rearrange & Declutter – Sometimes, simply moving furniture around and getting rid of clutter can make a space feel brand new.

Install Peel-and-Stick Wallpaper or Backsplash – A budget-friendly and renter-friendly way to add personality to any room.

3. Energy Efficient Upgrades that Save Money

Lowering energy costs can be a home improvement that pays off over time. Consider these wallet-friendly energy-efficient updates.

Switch to LED Lighting – Energy-efficient bulbs use less electricity and last longer than traditional bulbs.

Seal Drafty Windows & Doors – Caulking, weather stripping, or using thermal curtains can help reduce energy bills.

Install a Smart Thermostat – These devices optimize heating and cooling while cutting down on energy waste.

Upgrade Air Filters & Fans – A clean HVAC system and energy-efficient ceiling fans can improve air circulation while lowering costs.

4. DIY Projects that Make a Big Impact

Home improvement doesn’t have to mean paying full price for materials and decor. Use these money-saving tips.

Check for Local Reuse Stores – Habitat for Humanity ReStores often have discounted building materials and fixtures.

Shop Secondhand – Facebook Marketplace, thrift stores, and estate sales are great places to find affordable furniture and decor.

Take Advantage of Seasonal Sales – Watch for spring sales at home improvement stores to save on supplies.

Use Coupons & Cashback Apps – Apps like Rakuten or Honey can help you save on home improvement purchases.

Start Small & Make a Big Impact

Spring home improvement doesn’t have to be expensive. With a little creativity, DIY effort, and strategic shopping, you can refresh your home without straining your budget. Start with one or two projects and watch your space transform!

Looking for ways to finance a bigger home improvement project? A home equity loan or line of credit could be a smart way to fund necessary upgrades.

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Top Tax Breaks for Public Service Employees

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Top Tax Breaks for Public Service Employees

Tax season can be stressful, but for public service employees, it also comes with opportunities to claim significant tax breaks. Whether you’re a firefighter, police officer, educator, or government worker, you might qualify for deductions and credits that can lower your taxable income and maximize your refund. Here are the top tax breaks you should know about.

1. Educator Expense Deduction

Who qualifies? Teachers, counselors, and classroom aides working in K-12 education.

What’s deductible? Up to $300 for out-of-pocket expenses on classroom supplies, professional development, and other job-related costs. Married educators filing jointly can deduct up to $600.

This deduction is available even if you don’t itemize your deductions. Keep receipts for all classroom-related purchases to ensure you get the maximum benefit.

2. Uniform and Equipment Costs

Who qualifies? Police officers, firefighters, and other professionals required to wear uniforms or use specific tools for work.
What’s deductible? The cost of purchasing and maintaining uniforms, equipment, or gear not reimbursed by your employer.

Note: This is typically available only if you itemize deductions. Don’t forget dry-cleaning and repair costs for uniforms!

3. Mileage and Vehicle Use

Who qualifies? Employees who use their personal vehicle for work-related purposes.
What’s deductible? Mileage driven for job-related tasks, excluding your regular commute.

For example, firefighters traveling between stations or public health workers making home visits can deduct mileage expenses. Keep a detailed log of your work-related travel.

4. Union Dues and Professional Fees

Who qualifies? Union members and employees paying professional licensing or certification fees.
What’s deductible? Union dues, association fees, and continuing education costs required for your job.

These expenses can add up, so be sure to include them if you itemize deductions.

5. Student Loan Interest Deduction

Who qualifies? Public service employees repaying student loans.
What’s deductible? Up to $2,500 in interest paid on qualified student loans, even if you don’t itemize deductions.

This deduction is especially valuable for younger employees managing student debt. Check your Form 1098-E for the exact amount of interest paid. Learn more by visiting the Federal Student Aid website.

6. Public Service Loan Forgiveness (PSLF)

Who qualifies? Employees working full-time for government or qualifying nonprofit organizations.
What’s the benefit? Loan forgiveness for remaining federal student loan balances after 120 qualifying payments.

While this isn’t a direct tax deduction, forgiven loans under PSLF are generally not considered taxable income. Ohio public employees can learn more about PSLF eligibility at the Federal Student Aid website.

7. Volunteer Firefighter and EMS Tax Benefits

Who qualifies? Volunteer firefighters and emergency responders.
What’s the benefit? Volunteer firefighters may receive benefits such as state or local tax credits or rebates. If these benefits are provided in exchange for services rendered, their value is considered income for federal tax purposes and should be included in taxable wages.

Visit the Ohio Department of Commerce to learn more about tax incentives for volunteer firefighters.

8. Health Savings Account (HSA) Contributions

Who qualifies? Employees with high-deductible health plans.
What’s the benefit? Contributions to an HSA are tax-deductible, grow tax-free, and can be used for qualified medical expenses without tax penalties.

Maximizing your HSA contributions can reduce your taxable income while preparing you for future healthcare costs.

Who qualifies? Employees taking courses to improve job performance or meet job requirements.
What’s deductible? Tuition, books, and supplies for continuing education directly related to your job.

This deduction helps public employees invest in their careers without bearing the full cost.

10. State Specific Credits and Deductions

Who qualifies? Varies by state.
What’s deductible? Some states offer additional tax breaks for public service employees, such as property tax reductions or exclusive credits for educators.

Ohio residents can visit the Ohio Department of Taxation for a full list of state-specific credits and deductions.

Tips for Maximizing Tax Savings

  1. Keep detailed records: Save receipts, mileage logs, and documentation for all work-related expenses.
  2. Consult a tax professional: They can identify lesser-known credits and ensure you’re claiming all eligible deductions.
  3. File early: Avoid the rush and give yourself time to correct errors or gather missing documents.

By understanding and leveraging these tax breaks, public service employees can make the most of their hard-earned money during tax season. If you’re unsure which deductions apply to you, consult a tax advisor to ensure you’re not leaving any money on the table.

Challenge Yourself to a No-Buy Year

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Challenge Yourself to a No-Buy Year

Level Up Your Financial Discipline

For those already familiar with budgeting and financial planning, a No-Buy Year isn’t just about saving money—it’s about redefining your relationship with consumption and sharpening your financial acumen. This strategy offers a chance to reset your spending habits, prioritize long-term goals, and even challenge cultural norms around materialism.

Why Consider a No-Buy Year?

A No-Buy Year is highly personal, and its success lies in tailoring it to your goals and lifestyle. Here’s how to elevate the concept for those already fluent in financial strategy:

1. Clarify Your Objectives

  • Are you aiming to invest more aggressively, hit a savings milestone, or simply recalibrate your consumption habits?
  • Beyond money, consider goals like reducing environmental impact or decluttering your life to focus on what truly matters.

2. Set Advanced Ground Rules

  • Non-Negotiables: Identify areas where spending aligns with your values, such as quality education or health-related investments.
  • Challenges: Push boundaries by rethinking “necessary” spending. For instance, can you pause new clothing purchases entirely or cap dining out to quarterly splurges?

3. Audit Your Assets

  • Conduct a deep inventory of what you already own. Look beyond closets—consider tools, gadgets, and pantry items.
  • Adopt a “use it up, wear it out” philosophy before replacing anything.

4. Engage Your Network

  • Tap into your community for shared resources or barter opportunities. Networking can provide alternatives to purchases, from borrowing equipment to swapping services.

5. Refine with a Test Period

  • Start with a 30-day no-buy challenge and assess its impact on both your finances and lifestyle. Use this time to tweak your plan and iron out any obstacles.

Tracking Progress and Staying Motivated

1. Track Your Spending (and Non-Spending)

  • Maintain a detailed log of your purchases and skipped purchases. Highlight the tangible savings from each decision to reinforce your commitment.

2. Celebrate with Purpose

  • When you reach milestones, indulge in a meaningful reward that aligns with your broader goals, such as funding an investment account or enjoying an experience over a material good.

3. Reflect and Adapt

  • Periodically evaluate what’s working and what isn’t. The flexibility to adjust without abandoning the challenge is a hallmark of financial maturity.

The Benefits Beyond Savings

A No-Buy Year isn’t just about padding your bank account—it’s about transforming your mindset. Along the way, you may uncover new passions, deepen relationships, or enjoy a more balanced lifestyle. By the end of your challenge, you’ll have not only saved money but also cultivated habits that empower your financial independence and long-term success.

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COFPCU Starting 2025 with 5-Star Strength

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COFPCU Starting 2025 with 5-Star Strength

COPFCU Receives Best of Bauer 5-Star Rating for 34 1/2 Years & Counting

Cincinnati, Ohio – January 2025: COPFCU, Cincinnati, OH is proud to announce it is starting 2025 with another 5-Star Superior rating from BauerFinancial, the Nation’s Premier Credit Union and Bank Rating Firm. A 5-Star Superior rating indicates that COPFCU is one of the strongest credit unions in the nation, excelling in areas of capital, loan quality, profitability and more. This marks the 138th consecutive quarter that COPFCU has earned this top rating, which secures it an even more elite status as a “Best of Bauer Credit Union”, an honor reserved solely for institutions that have maintained a 5-Star rating for 25 years or longer.

“Credit unions exist expressly to serve their members. They are owned and controlled by these same members. These qualities distinguish credit unions, like COPFCU, from other financial institutions”, explains Karen Dorway, president of BauerFinancial. “If you are fortunate enough to be included in COPFCU’s field of membership, you should be proud to know that, as a 5-Star institution, COPFCU is at the top of its own financial game,” she continued.

Established in 1935, COPFCU has been an avid supporter of the people and organizations in its field of membership for 90 years. Friendly and responsive member services are what you should expect from your peers. Credit unions, like COPFCU, wouldn’t have it any other way.

COPFCU: Banking For Your Family and Your Future.”

Member NCUA. Equal Housing Lender.

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfinancial.com.

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Start 2025 Financially Strong

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Start 2025 Financially Strong

Financial Resolutions That Stick

As the New Year approaches, it’s the perfect time to reflect on your financial goals and set resolutions that can help you build a brighter future. While it’s easy to get caught up in ambitious plans, success comes from setting realistic, achievable objectives. Whether you want to save more, reduce debt, or improve your credit, we’ve got tips to make your financial resolutions stick.

1. Build an Emergency Savings Fund

Life can be unpredictable, and having an emergency fund can give you peace of mind. Start small by setting aside a portion of each paycheck—even $20 a week can add up over time. Aim for an initial goal of $1,000, then work toward saving three to six months’ worth of living expenses.

Tip: Automate your savings by setting up direct deposits into a dedicated savings account. This way, you’re saving before you have the chance to spend.

2. Improve Your Credit Score

Your credit score impacts everything from loan approval to interest rates. Tools like Credit Score by SavvyMoney provide daily access to your credit score, real-time monitoring alerts, and personalized credit advice. Use these features to:

  • Track your progress
  • Identify areas for improvement
  • Set personalized credit goals

Small actions, like paying bills on time and reducing credit card balances, can lead to significant improvements in your score.

3. Create a Debt Payoff Plan

Carrying high-interest debt can hold you back from achieving financial freedom. Use strategies like the debt snowball (paying off the smallest balances first) or the debt avalanche (tackling high-interest debts first) to make progress. Consider transferring balances to a lower-interest credit card or consolidating your debt with a personal loan to simplify your payments.

Tip: Focus on paying more than the minimum amount whenever possible—even an extra $50 a month can make a difference.

4. Review and Revise Your Budget

The New Year is a great time to revisit your budget and align it with your goals. Break your expenses into categories—needs, wants, and savings—and see where you can cut back. Redirect any savings into your emergency fund or debt repayment.

Tip: Use budgeting apps to stay on track and monitor your spending.

5. Stay Accountable With Your Goals

Accountability is key to sticking to your resolutions. Share your goals with a trusted friend or family member, or consider working with a financial advisor. Regular check-ins can help you stay motivated and adjust your plan as needed.

Start 2025 Financially Strong

Taking control of your finances doesn’t have to be overwhelming. By setting clear, realistic and achievable goals, you can make 2025 your best financial year yet. Remember, every small step you take brings you closer to long-term success.

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Smart Tips to Avoid Post-Holiday Debt

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Smart Tips to Avoid Post-Holiday Debt

The holiday season is full of joy, gift-giving, and celebration, but it can leave behind unwanted financial stress. Learning how to avoid post-holiday debt can help you enjoy the festivities without overspending. With these smart strategies, you’ll start the new year with your finances in check and peace of mind.

1. Create a Holiday Budget

Before the season kicks into high gear, decide how much you can afford to spend. Break it down into categories like gifts, travel, meals, and decorations. Sticking to a budget helps prevent impulse purchases that can snowball into debt.

Pro Tip: Use COPFCU’s Debit Card Round-Up Program to save as you shop! Every purchase rounds up to the nearest dollar, automatically helping you build your savings.

2. Use Cash or a Debit Card

It’s easy to lose track of spending when using credit cards. Stick to cash or a debit card to ensure you’re only spending what you already have.

Why it Works: Studies show people are more mindful of purchases when they pay with cash, which can help curb overspending.

3. Shop Smart and Early

Holiday sales are tempting, but they can lead to unnecessary purchases. Plan your shopping ahead of time to take advantage of discounts without going overboard.

Quick Tips:

  • Compare prices online before buying.
  • Take advantage of cashback programs or rewards through your COPFCU credit card.
  • Avoid last-minute shopping, where panic often leads to overspending.

4. Avoid Buy Now, Pay Later Offers

Services like “Buy Now, Pay Later” may seem convenient, but they can lead to overspending and multiple bills due at the same time. Stick to your budget and avoid these tempting offers to keep financial stress at bay.

5. Plan for Next Year

Start planning for the 2025 holiday season now! Open a holiday savings account and contribute a small amount each month. By next December, you’ll have a dedicated fund for gifts and celebrations.

6. Focus on Thoughtful, Budget-Friendly Gifts

Holiday joy doesn’t have to come with a big price tag. Get creative with DIY gifts, handmade cards, or experiences that don’t cost a fortune.

Affordable Ideas:

  • Bake cookies or create a gift basket with personal touches.
  • Give the gift of your time, like babysitting or helping with chores.
  • Plan a holiday movie night or shared experience instead of buying expensive presents.

7. Pay Off Any Holiday Debt Quickly

If you do use credit during the holidays, make a plan to pay off the balance as soon as possible. Prioritize high-interest debt first to minimize costs over time.

COPFCU Solutions: Consider consolidating high-interest debt with a low-rate personal loan or transferring balances to a COPFCU credit card with a lower interest rate.

Start the Year on the Right Financial Foot

Avoiding holiday debt takes planning, discipline, and a focus on what truly matters during the season—spending time with loved ones and creating memories. By following these tips, you’ll not only enjoy the holidays but also enter the new year financially healthy and stress-free.

Remember, COPFCU is here to help you stay financially savvy this holiday season. From financial tips to budgeting tools, we’re here to make the season brighter for you and your loved ones.

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Financially Savvy Holiday Gift Ideas

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Financially Savvy Holiday Gift Ideas

Make Holiday Gift Giving Meaningful Without Breaking the Bank

The holiday season is a time of joy and generosity, but finding the perfect gifts can sometimes feel overwhelming—especially when you’re trying to stick to a budget. With a little creativity and planning, you can give thoughtful, meaningful gifts without breaking the bank – or your sanity. Here’s how to make gift-giving stress-free this holiday season.

1. Think Beyond the Store-Bought Gift

Some of the most cherished gifts don’t come from a store. Consider these heartfelt alternatives:

  • DIY Creations. Handmade gifts like candles, baked goods, or photo albums can be deeply personal and memorable.
  • Experience-Based Gifts. Instead of physical items, give experiences like movie tickets, a cooking class, or a zoo membership. These create lasting memories.
  • Acts of Service. Offer your time and skills as a gift. Babysitting, helping with home projects, or cooking a special meal can mean more than any store-bought item.

2. Plan Ahead for Budget-Friendly Gifting

A little planning goes a long way in avoiding holiday debt.

  • Set a Budget. Decide how much you’ll spend on each person and stick to it. Use a holiday budget planner to keep track.
  • Shop Sales. Take advantage of pre-holiday sales like Black Friday or Cyber Monday.
  • Start Early. Last-minute shopping often leads to overspending. Begin early to snag the best deals and avoid the stress.

3. Get Creative with Gift Wrapping

Presentation matters. You can make any gift feel extra special with creative wrapping ideas:

  • Use brown kraft paper and decorate it with twine, pinecones, or stamped designs.
  • Recycle old maps, newspapers, or fabric scraps for a unique and eco-friendly touch.
  • Add a handwritten note or tag with a personal message to make the gift feel even more meaningful.

4. Thoughtful Gifts Under $50

Looking for inspiration? Here are budget-friendly ideas that are sure to delight:

  • Personalized Gifts: Custom mugs, calendars, or keychains can add a personal touch without costing much.
  • Subscription Boxes: A month of coffee, snacks, or a streaming service can be a thoughtful and affordable treat.
  • Cozy Comforts: A soft blanket, scented candles, or a tea sampler makes for a relaxing gift.

5. Create Group Gifts

If you’re shopping for a group, combine resources with others to give a larger, impactful gift. For example:

  • Chip in for a big-ticket item for parents or grandparents, like a family photo session.
  • Create a themed gift basket with contributions from everyone, such as a “movie night” set with snacks, a DVD, and a cozy blanket.

6. Embrace the Gift of Time

Sometimes, the best gift is simply spending quality time together.

  • Host a holiday get-together or dinner with family and friends.
  • Plan a special outing, like a hike or a museum visit, to create shared memories.

Give Without Stress This Holiday Season

Gift-giving doesn’t have to be a source of stress or financial strain. By focusing on creativity, thoughtfulness, and planning, you can make your holiday season more joyful and less hectic.

Remember, COPFCU is here to help you stay financially savvy this holiday season. From financial tips to budgeting tools, we’re here to make the season brighter for you and your loved ones.

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Scam-Proof Your Holidays

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Scam-Proof Your Holidays

As the holiday season rolls around, many of us are focused on gift shopping, holiday travel, and festive gatherings with family and friends. Unfortunately, scammers are just as busy this time of year, using common holiday habits to steal personal information, financial details, and even hard-earned cash. To keep you safe this season, here’s a rundown of the top holiday scams to watch for and some practical tips to avoid them.

Common Types of Holiday Scams

1. Fake Charities and Donation Scams

The holiday season is one of the most popular times for charitable giving, and scammers know it. Fake charities often pop up online, in social media ads, and even through unsolicited phone calls, asking for donations that go nowhere but their pockets.

How to Protect Yourself:

  • Verify the charity by checking for a tax ID or using trusted sites like Charity Navigator or GuideStar.
  • Beware of urgent pleas for immediate donations. Scammers often try to create a sense of urgency.
  • Don’t give over the phone. Instead, go directly to the charity’s official website to donate.

2. Package Delivery Scams

With online shopping at an all-time high during the holidays, fake package delivery notifications are on the rise. These scams often involve a text, email, or call claiming there’s an issue with a package, asking you to click a link or provide personal information.

How to Protect Yourself:

  • Avoid clicking links in unsolicited messages about packages.
  • Track packages independently by logging into your online account with the retailer or delivery service.
  • Ignore suspicious messages and delete them. Legitimate delivery services won’t ask for personal information or payment via text or email.

3. Gift Card Scams

Gift cards are popular during the holiday season, and scammers often find ways to trick people into buying them fraudulently. One common scam involves scammers posing as family, friends, or co-workers, asking for gift cards to “help with a holiday surprise.”

How to Protect Yourself:

  • Never purchase gift cards for someone who requests them through email or text, especially if they want you to send the card numbers or codes.
  • Buy gift cards directly from reputable stores and check to see if the protective layer on the back has been tampered with.
  • Don’t send photos of gift cards, as this gives scammers access to the funds.

4. Online Shopping Scams

Fake ads for holiday deals and discounts can appear on social media, through email, and even in web searches. These ads may link to fake websites that look like legitimate online stores, tricking people into paying for goods they’ll never receive.

How to Protect Yourself:

  • Shop only on reputable websites with secure payment portals (look for “https” in the web address).
  • Avoid clicking on pop-up ads or sketchy links for “unbelievable” deals.
  • Use a credit card rather than a debit card, as credit cards offer more fraud protection.

5. Holiday Travel Scams

For those planning holiday travel, scammers often create fake travel deals, “special offers,” or rental property listings that don’t exist. This scam often involves asking for a deposit or payment upfront through untraceable payment methods.

How to Protect Yourself:

  • Book travel only through reputable travel websites or well-known companies.
  • Beware of deals that seem too good to be true—they likely are.
  • Never wire money or use non-traditional payment methods for travel expenses.

6. Holiday E-Card Scams

Digital holiday cards are a fun way to connect with loved ones, but some e-cards contain malicious links that install malware on your computer or device.

How to Protect Yourself:

  • Only open e-cards from people you know.
  • Check the sender’s email address for unusual domains or misspellings.
  • Avoid clicking on links if the message seems suspicious, and delete the email if anything seems off.

7. Social Media and Online Marketplace Scams

Scammers often use social media and online marketplaces to post fake sales, raffle drawings, or “holiday giveaways” that require you to fill out personal information or pay a small fee to participate.

How to Protect Yourself:

  • Verify the legitimacy of contests and giveaways before entering.
  • Be cautious of people offering highly discounted products on social media groups or local marketplaces.
  • Avoid giving out your personal information for online forms unless you know and trust the company.

Protect Yourself from Scams this Holiday Season

In addition to the specific scams above, here are some general tips to help you stay safe and avoid holiday scams altogether:

  • Use Strong Passwords and Multi-Factor Authentication
    If any of your accounts get compromised, scammers can do a lot of damage quickly. Make sure your passwords are unique, and use two-step authentication for an extra layer of security.
  • Monitor Your Accounts Regularly
    Keep an eye on your bank and credit card statements to spot any unusual activity early. If your credit union offers fraud alerts or credit monitoring, consider signing up.
  • Stay Alert and Informed
    Scammers are constantly coming up with new tricks, so being aware of the latest scams can help you avoid falling victim. Stay informed, and share this information with friends and family to help keep everyone safe.
  • Avoid Public Wi-Fi for Shopping
    If you’re shopping online or checking sensitive information, avoid using public Wi-Fi networks that may not be secure. Use your home network or mobile data instead.

While the holiday season is a wonderful time to celebrate, it’s also a time to be cautious. Staying informed about common scams can save you money, time, and a lot of headaches.

Remember, COPFCU is here to help—if you suspect you’ve been scammed or need assistance with a transaction, don’t hesitate to contact us. We’re committed to keeping your finances safe.

For more information on how to protect yourself from scams, please visit our fraud resources page.

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Boost Your Savings with a Holiday Side Hustle

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Boost Your Savings with a Holiday Side Hustle

As the holidays approach, there’s no better time to bring in a little extra cash. A holiday side hustle can be a great way to boost your savings while enjoying your downtime, especially for those who serve the community. Plus, there are many ways to get paid for things you’re already good at or enjoy doing. Here are some side gig ideas that fit perfectly, along with tips to get the most from your extra income.

1. Tutoring or Mentoring Students

If you have subject expertise or teaching skills, offering tutoring services can be a great side gig during the holiday season. Many parents look for extra support as students gear up for finals, and this can be done in-person or online.

How to Make the Most of It: Focus on subjects or skills you’re passionate about, like math, science, or test prep. Tutoring not only helps students but also lets you share knowledge that means a lot to you. Use community boards or online tutoring sites to connect with clients.

2. Teaching Safety Classes or Fitness Training

If you have a background in safety or fitness, consider offering classes in first aid, self-defense, or physical fitness. This could be as simple as weekly sessions in your community or online for added flexibility.

How to Make the Most of It: Offer these classes as one-time sessions or small packages. Whether it’s teaching CPR, self-defense, or fitness fundamentals, there’s a big demand for these skills. Use social media or local groups to spread the word.

3. Photography and Videography

Have a knack for capturing moments? Offering holiday photo sessions for families, events, or community gatherings can be a great way to spread holiday cheer and turn your hobby into extra income.

How to Make the Most of It: Use local events to build a small portfolio and share it with friends and family. Offer holiday-themed packages, and create a social media page or website to share your work. A simple setup can go a long way in building a client base.

4. Handmade Crafts or Holiday Treats.

Enjoy crafting or baking? A side gig selling handmade goods or festive treats can be both fun and profitable. Whether it’s candles, knitted items, or baked goods, people love supporting local creators, especially around the holidays.

How to Make the Most of It: Focus on a unique theme, like ornaments or special holiday cookies, and promote them to your community. This could also be a family affair, with kids or spouses helping out for added holiday fun.

5. Holiday Light Installation or Lawn Care

If you’re handy and enjoy working outdoors, consider offering holiday light installation or lawn care services. This can be a popular option in neighborhoods where people may need extra help with holiday decor or last-minute lawn prep for winter.

How to Make the Most of It: Use neighborhood apps or flyers to get the word out. Offer weekend-only services to keep it manageable. With a few customers, this can quickly add up.

6. Freelance Writing or Blogging

Many public service professionals have unique perspectives and stories to share. Freelance writing or starting a blog could be a great way to share your experiences while earning on the side. Topics could include safety tips, community insights, or educational advice.

How to Make the Most of It: Start small by offering pieces to local publications or websites. You could also write an e-book or create a blog to share your insights with a broader audience. Many freelance sites can help you get started and find clients.

Tips to Maximize Your Side Gig Earnings

  1. Set a Clear Goal for Your Extra Income
    Think about what you want from your side hustle. Whether it’s covering holiday gifts, saving for a family vacation, or contributing to your emergency fund, having a goal can keep you focused.
  2. Use Your Credit Union to Save Smart
    Consider setting up a dedicated savings account for your side gig income. That way, you can save automatically, build up extra funds, and see your progress. Your credit union also offers budgeting and financial planning tools that can help you stay on track.
  3. Promote Your Skills Locally
    Leverage community boards, social media, and local events to let people know about your services. Public service employees are highly trusted in the community, so your network can be a valuable resource in building your side gig.
  4. Keep Track of Expenses for Tax Time
    Don’t forget to track any expenses related to your side hustle. Supplies, fuel, or even a portion of your phone bill might be deductible. Be sure to consult with a tax advisor to get the most from your tax return.
  5. Prioritize Your Well-Being
    It’s important not to overdo it. A holiday side gig should be enjoyable and add value to your life, not stress. Set limits, take breaks, and make sure it fits comfortably into your schedule.

Kickstart Your Holiday Earnings

A holiday side gig can be a meaningful way to share your talents, help your community, and make the season a little brighter for your family. And if you’re looking to make the most of your extra income, our credit union has you covered with low-rate personal loans, budgeting tools, and more to help you reach your financial goals this season.

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AI-Fueled Travel Scams on the Rise

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AI-Fueled Travel Scams on the Rise

As technology continues to advance, so do the tactics of scammers. Recently, there’s been a troubling surge in AI-fueled travel scams targeting unsuspecting travelers. These high-tech tricksters utilize artificial intelligence to create ultra-realistic fake travel websites, emails, and text messages, making it harder to distinguish between genuine offers and deceptive traps.

Common Types of AI Travel Scams

1. Deceptive Websites.

Scammers leverage AI to design professional-looking travel websites with realistic photos, logos, and booking systems. These fraudulent sites often resemble legitimate companies, leading users to unknowingly provide their details or make payments. Once you enter your information, the sites may vanish, taking your money with them.

2. Fraudulent Emails.

AI-generated phishing emails are increasingly convincing, mimicking genuine companies to offer enticing travel deals or urgent booking confirmations. Engaging with these emails can expose you to malware infections or personal data theft, as they frequently contain malicious links that compromise your security.

3. Suspicious Texts.

In addition to websites and emails, scammers use AI to send mass SMS messages claiming you’ve won a free trip or are being offered too-good-to-be-true travel packages. These texts often include harmful links designed to steal your personal or payment information.

How to Avoid AI Travel Scams

As AI technology enhances the sophistication of travel scams, it’s essential to take precautions. Here are some effective tips to protect yourself:

  • Double-check URLs. Always inspect website addresses for typos or unusual characters. Legitimate companies rarely alter their domain names.
  • Verify before you click. If you receive an unexpected email or text, refrain from clicking on any links. Instead, visit the company’s official website directly or call their customer service number to confirm the authenticity of the message.
  • Be cautious with personal information. Never share your personal or payment details through links in unsolicited messages. Always use secure methods to communicate sensitive information.

By staying vigilant and following these tips, you can protect yourself from these high-tech scams. Whether traveling for business or leisure, safeguarding your personal information and verifying offers will ensure a worry-free travel experience.

Remember, COPFCU is here to help—if you suspect you’ve been scammed or need assistance with a transaction, don’t hesitate to contact us. We’re committed to keeping your finances safe.

For more information on how to protect yourself from scams, please visit our fraud resources page.

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