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Welcome to Laker Cents Real-world tips, suggestions, and insights into everything money-related.

Get Exclusive Deals for Being a Credit Union Member


At GLFFCU, we’ve partnered with Love My Credit Union to provide our members with some great savings! Through Love My Credit Union, you can get serious discounts on products like TurboTax, TruSage auto and home insurance programs, ADT home security systems, Love to Shop, and Sprint! Although we just finished tax season, in the future you can sign up for TurboTax through the link on our website and save up to $15.00 on products. When you’re ...

Youth Month is Important for Parents, Too


Every year, the Credit Union National Association chooses a theme for youth month, which takes place in April. Credit unions nation-wide are encouraged to emphasize the importance of saving to their current (and future) youth members. The chosen theme for 2018 is “The Science of Saving.”  At GLFFCU, we are encouraging kids to come and join our Youth Club. Any child 0-12 who open a NEW youth account or deposits $25 into an existing Youth ...

5 Ways to Refresh Your Finances This Spring


The first day of Spring is March 20th, and it can’t come soon enough. You might be thinking of all the spring cleaning in your future: prepping the yard for summer, cleaning out the garage, and scrubbing down every corner of the house…but have you thought of your finances? Spring is the perfect time of year to take a detailed look at your financial situation, when your mind is centered on getting a fresh start, ...

Protect Yourself Against Phone Scams


When your phone rings and the number is blocked or unknown, how likely are you to answer it? Many young consumers that grew up in the highly mobile world are familiar with handling these unknown calls. They know that giving out important information over the phone is never a good idea. In fact, many people completely ignore all unknown calls. Some of the most vulnerable targets of phone and internet scams are often older consumers ...

Beating Cabin Fever


Winter FOMO: it’s a real thing. In case you don’t know, FOMO is a popular acronym for “Fear of Missing Out.” It’s that familiar feeling you get when your friends and family are off doing exciting, envy-inducing activities while maybe you’re holding off trying to save some extra cash. With February just getting started, it’s beginning to feel like winter will never end…and the urge to get out and do something is nagging you. While ...

Breaking Down the HSA


How many financial terms have you heard thrown around but don’t really know what they mean? The acronym “HSA” is commonly used when it comes to saving money for medical expenses, but many people’s understanding of the term stops there. HSA stands for Health Savings Account. It’s a special savings account with funds you can use for qualifying medical expenses that your insurance plan doesn’t cover, such as deductibles, co-pays, and coinsurance. HSA contributions are ...

10 Simple Financial Resolutions for 2018


As 2018 sneaks up on you, you’ve probably thought a little about your New Year’s resolution. Have you thought about it in regards to your finances, though? To get the wheels turning, we outlined a few financial resolutions that can put you on track to success for the new year. 1 – (You Guessed It). Start a budget. Even in its simplest form, listing your income and expenses for the month can really put your ...

Mortgage 101: The Very Basics


If there’s one word I know to be mildly intimidating, its “mortgage.” Many millennials, in fact, feel the same way. For those who are used to renting their housing and aren’t familiar with the mortgage process, going in blind can feel like a big deal. A popular saying exists, though: knowledge is power. The more informed you are, the less scary it seems, and the easier the process is. To take matters into my own hands, I ...

Keep Your Head Above Water With an Emergency Savings Account


Think about the last time an unexpected emergency expense came up for you: the loss of a job, a trip to emergency room, a dead vehicle on the middle of a highway, a broken furnace, or unexpected urgent travel. Were you prepared for this expense? Did you panic? According to a 2016 GOBankingRates survey, 35 percent of all adults in the U.S. have only several hundred dollars in their savings accounts and 34 percent have zero. No one ...

Eliminate Holiday Financial Stress


Somewhere between cleaning up leaves from the yard and breaking out the fall sweaters, an icy frost appeared overnight and all of a sudden it’s mid-November. The last two months of the year are some of the most enjoyable and exciting ones…but also what some people say are the most stressful. You may have noticed your favorite stores already playing holiday tunes and stocking their shelves with red and green decorations, a not-so-subtle way to ...

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