Work Smarter, Not Harder

worksmarterIt seems to me that one of the biggest deterrents to taking control of one’s finances is that it takes some work. Most people really dislike change, in large part because change can have some icky phases in the process. (Contact me and I’d be happy to e-mail you some great information about the process of change.) Often times, we do what we do simply because we’re used to it, whether it’s good for us or not or working for us or not.

Starting a new exercise routine is hard. Dieting is hard. At least, it’s a lot harder than the alternative. It’s a lot easier to just sit on the couch eating potato chips than it is to run on the treadmill and then slice up some fresh fruit to snack on. Well, managing and taking care over our finances can be hard, too, compared to not managing them. It’s a lot easier to just spend wherever we want, whenever we want, as much as we want. But, of course, those choices aren’t without consequences… If we sit on the couch and eat potato chips all day, every day, our health will suffer greatly in time. We won’t look good and we won’t feel good and it will be MUCH harder to repair all the damage we’ve done to ourselves than it would have been to work out and eat healthy in the first place. The same is true of our finances. If we spend without any thought or without any plan, our financial health will suffer greatly, too. We start to get behind in our payments and maybe start to rack up credit card debt to try and bail out our sinking ship and it gets MUCH harder to get our finances back under control.
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Mobile Banking

Mobile BankingTuesday, January 21st, 2014, marks a pretty cool day for NCCU. That’s the day that our new/updated mobile smartphone banking app rolls out on both the Android Marketplace and iTunes. You can use those links to get the app(s) or you can search for them by typing in “NCCYou.” If you have been using our previous app version, you should be excited about this change. The new app will be adding mobile bill pay functionality as well as mobile remote deposit capture, which are both excellent features, to an already great app.

Because of this launch, both mobile and online banking are on my mind. I genuinely think that mobile and online banking are some of the best tools a person can use as they are trying to either improve or maintain good financial health. We know that financial awareness is one of the key ingredients to good financial health and mobile banking allows us to be aware of our finances right up to the current second, if we want to be. No more waiting on the phone to speak to a Member Service Rep just to find out your balance or the amount of the deposit that came in today. By the time you’re halfway done dialing the phone number for the credit union, I’ve already used my phone to check my balance AND my deposit amount.
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