USALLIANCE Blog

The new year is almost here. Are you ready? A brand-new year, always ripe with resolutions, is the perfect time to reassess your financial attitude, improve, and vow to do more.

Have you taken any steps to prepare for the financial realities of the coming year?

You’ve made your list and checked it twice, but before you head out to the shops to get those holiday gifts, you’ll need a way to pay for them without breaking your budget, or your savings.

The good news is, you can keep your budget and your sanity both intact this holiday season!

At the peak of holiday shopping season, right between Black Friday and Cyber Monday is Small Business Saturday. A day designated to remind consumers that local small businesses are not only In fact, according to the Small Business Administration (SBA), the 28 million small businesses in America account for 54 percent of all sales in the country. Small businesses create jobs, build a demand for locally made products and keep communities thriving.

As a cooperative, USALLIANCE strongly believes in supporting the community and helping local businesses flourish. Join us in supporting our surrounding communities by shopping local on Small Business Saturday and throughout the holiday season.

You already know about the gifts and decorations. Here are some holiday expenses you may have not included in your budget this year, along with creative ways to beat them.

There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with these five tips:

Talking money with your partner or significant other can be a tricky conversation to navigate, but it's important you are both on the same page when it comes to planning a future together financially.

Home renovations can be rather pricy, depending on what you’re looking to do. Luckily, USALLIANCE has financing options for every price range. Here are 4 ways you can finance your home renovation with USALLIANCE.

Q:Should I take advantage of the dropping interest rates by refinancing my mortgage?

A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage on the same home, often at a lower interest rate. It may sound like a no-brainer, but there are many factors to consider.

Is it a good time to refinance?

Are you struggling to raise your credit score? Perhaps you have had good credit in the past but are now experiencing a much lower credit score due to choices or life circumstances. Maybe you're a young adult looking to get started on building good credit for the future. Whatever the reason, you can rely on USALLIANCE to be your partner in building or re-establishing your credit.

Opening your first credit card is an exciting step forward in your journey to financial wellness, but knowing where to start is often confusing. At USALLIANCE, we can help you build a strong credit score and history from day one, so you’ll be set up for success when it comes to reaching your financial dreams.