In January 2021, we sent out our first ever Member Pulse Survey where we asked our valued SESLOC members about their shopping trends and habits over the recent holiday season. 885 responded, revealing five key takeaways into local spending. Read up to see how you can take action to tackle holiday debt or prepare for the 2021 season:
Saving money can often be a challenge—especially during times of financial uncertainty. As humans, we’re wired to take care of our needs now, and worry about later… well, later.
In today’s world it is more important than ever to focus on the things that we can control to better safeguard our financial future. It’s easy to get complacent, lulled into a false sense of security, when there are many other more urgent things to think about.
In 2020, SESLOC reached a milestone, surpassing $100,000 in education grants awarded to local K-12 teachers. Each month since 2013, SESLOC has awarded education grants in amounts up to $500 for innovative and creative classroom projects and equipment that go beyond the usual classroom budgets.
Have you ever wondered if credit counseling might help you? Most of us have never stopped to even think about what credit counseling is until we find ourselves facing a financial roadblock. Credit counseling isn’t just for those who need to improve their financial health — it can also help you to be more proactive in maintaining your finances as well.
One of the benefits of homeownership is equity. A Home Equity Line of Credit (HELOC) or a Home Equity Loan (also know as a second mortgage) allows a homeowner to borrow money using the home’s equity as collateral.
SESLOC is the proud sponsor of EverFi’s Financial Scholars program, which provides financial education for Central Coast high school students. During the 2019-2020 school year, the COVID-19 pandemic drove an unprecedented level of school closures, especially on the Central Coast. SESLOC Financial Scholars proved to be a valuable supplement to teachers’ remote learning plans.
Credit card debt can feel overwhelming, but there are tools and resources available to get you back on the road to financial wellness. Consider these strategies for tackling credit card debt:
A HELOC, or Home Equity Line of Credit, leverages your home’s equity to give you more flexibility compared to other loans — you can borrow up to your maximum credit limit, when you need it, as you need it. Whether you’re planning a kitchen remodel, upgrading to energy efficient appliances, consolidating debt, or simply want the peace of mind that it’s there to cover an emergency, a HELOC is the perfect pairing for your mortgage.
Shopping for your first car is exciting, but it can also feel intimidating. It’s a major commitment, but one that will give you the freedom to go where you want, when you want. Before you head to the car lot, set yourself up for success by following these steps:
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