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<title><![CDATA[United Community Credit Union Blog]]></title>
<link><![CDATA[https://www.unitedccu.com/Blog?tagid=1232&amp;rss=United-Community-Credit-Union-Blog]]></link>
<description><![CDATA[United Community Credit Union Blog]]></description>
<language><![CDATA[en-US]]></language>
<item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Coverdell-Education-Savings-Accounts]]></guid>
     <title><![CDATA[Coverdell Education Savings Accounts]]></title>
     <description><![CDATA[<p>
	Coverdell Education Savings Accounts are a tax-advantaged way to build funds for your child&rsquo;s education. They may be used along with other investment accounts, such as 529 plans and education savings bonds.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 12:27:24 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Coverdell-Education-Savings-Accounts]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Saving-for-Homeownership]]></guid>
     <title><![CDATA[Saving for Homeownership]]></title>
     <description><![CDATA[<p>
	For most people, buying a home is both an exciting and challenging venture&mdash;it is the quintessential American dream. However, because of the high costs involved, saving for home purchase takes commitment, research, and sometimes sacrifice. This fact sheet will provide general information on the costs involved and the types of expenditures you will need to save for in order to buy your first home.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 12:18:18 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Saving-for-Homeownership]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Four-Simple-Ways-to-Automate-Your-Savings]]></guid>
     <title><![CDATA[Four Simple Ways to Automate Your Savings]]></title>
     <description><![CDATA[<p>
	The easiest way to save? Automatically! It doesn&rsquo;t matter how much, what you&rsquo;re saving for, or why you are saving. When you make the smart decision to have a portion of your income automatically deposited into a savings account, you&rsquo;ve increased your chances for success.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 12:16:06 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Four-Simple-Ways-to-Automate-Your-Savings]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/How-to-Teach-Young-Children-About-Saving-Money]]></guid>
     <title><![CDATA[How to Teach Young Children About Saving Money]]></title>
     <description><![CDATA[<p>
	How much better would Americans be with money if we were intentional about teaching good money and savings habits at a young age? Here we&rsquo;ll focus on ways to positively model and influence children and teens regarding money, spending habits, and saving. It&rsquo;s never too early to start teaching your children about saving, budgeting, and money matters. It&rsquo;s easy to overlook these valuable lessons since it&rsquo;s not a core subject taught in school until kids are in high school. But you don&rsquo;t need to wait! Here are some money-savvy ideas you can start teaching your children while they&rsquo;re still small.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:57:10 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/How-to-Teach-Young-Children-About-Saving-Money]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/A-Seller-s-Market-vs-a-Buyer-s-Market]]></guid>
     <title><![CDATA[A Seller's Market vs. a Buyer's Market]]></title>
     <description><![CDATA[<p>
	When you&rsquo;re testing the temperature of the real estate market, it&rsquo;s to see if it&rsquo;s a seller&rsquo;s or buyer&rsquo;s market. In a seller&rsquo;s market, there is a wealth of hungry buyers but not enough houses to go around, giving sellers the advantage. In a buyer&rsquo;s market, there are plenty of homes for sale but not many interested buyers, giving buyers the edge.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:51:31 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/A-Seller-s-Market-vs-a-Buyer-s-Market]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Three-Steps-to-Finding-the-Perfect-Realtor]]></guid>
     <title><![CDATA[Three Steps to Finding the Perfect Realtor]]></title>
     <description><![CDATA[<p>
	When you are ready to buy a home, a real estate professional can help you sort through all the important details, financial and otherwise, involved in the home buying process.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:47:53 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Three-Steps-to-Finding-the-Perfect-Realtor]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/Do-You-Have-Too-Much-Debt]]></guid>
     <title><![CDATA[Do You Have Too Much Debt?]]></title>
     <description><![CDATA[<p>
	Whether or not you have too much debt is not always easily determined. However, there are certain signs that indicate that you are indeed experiencing some major financial trouble. It is important to be able to recognize these signs and to watch out for them in order to avoid the severest forms of financial trouble- bankruptcy and foreclosure.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:44:19 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/Do-You-Have-Too-Much-Debt]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Creating-a-Retirement-Budget-That-Works]]></guid>
     <title><![CDATA[Creating a Retirement Budget That Works]]></title>
     <description><![CDATA[<p>
	If you&rsquo;re nearing retirement, many decisions are coming your way, from where you&rsquo;ll live to how you&rsquo;ll fill your suddenly idle hours. One of the most critical retirement decisions involves your finances.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:16:19 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Creating-a-Retirement-Budget-That-Works]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Great-Jobs-for-the-Semi-Retired]]></guid>
     <title><![CDATA[Great Jobs for the Semi-Retired]]></title>
     <description><![CDATA[<p>
	One of the biggest keys to a happy retirement is getting to do what you really want. After all, you&rsquo;ve worked a long time to get to the point where you have full control over how you spend your time. If your ultimate retirement involves a lot of R&amp;R, and you&rsquo;ve got the resources to do it, then by all means go for it. On the other hand, you may be one of the growing number of people who find they still want to engage in some gainful and rewarding work during their advanced years. If you fall into that category, there are any number of positions that can be fun and challenging while putting some added dough in your accounts.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:13:56 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Great-Jobs-for-the-Semi-Retired]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Resources-for-Seniors-in-a-Financial-Crunch]]></guid>
     <title><![CDATA[Resources for Seniors in a Financial Crunch]]></title>
     <description><![CDATA[<p>
	Many seniors avoid seeking help for their money problems because they don&rsquo;t want to bother people, don&rsquo;t know who to trust, or feel ashamed. Yet trying to deal with debt issues alone is often not the best approach. While money problems may be uncomfortable to talk about, there are resources available offering valuable assistance.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 11:10:17 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Resources-for-Seniors-in-a-Financial-Crunch]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Talking-to-Aging-Parents-About-Their-Finances]]></guid>
     <title><![CDATA[Talking to Aging Parents About Their Finances]]></title>
     <description><![CDATA[<p>
	Do you know if your parents have a will? If anyone is trying to sell them an annuity? If they are paying all of their bills? If you answered no to these questions, it may be time to have a conversation with them. You may be groaning right now&mdash;who enjoys talking about money?&mdash;but doing this can help ensure your parents&rsquo; well-being.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:55:14 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Talking-to-Aging-Parents-About-Their-Finances]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Retirement-Withdrawal-Rate-What-s-a-Safe-Number]]></guid>
     <title><![CDATA[Retirement Withdrawal Rate: What’s a Safe Number?]]></title>
     <description><![CDATA[<p>
	For quite a while, the standard advice was to take 4% out of your total retirement nest egg every year to have enough money for a comfortable lifestyle in your golden years. There was strong logic behind that number; a mixture of 60% of your money in stocks and 40% in bonds has historically been a very safe bet to return greater than 4% over any 30-year period. As long as you adjust your withdrawal for inflation periodically, you should be fine.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:52:59 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Retirement/August-2024/Retirement-Withdrawal-Rate-What-s-a-Safe-Number]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Three-Mortgages-Every-Home-Buyer-Should-Know]]></guid>
     <title><![CDATA[Three Mortgages Every Home Buyer Should Know]]></title>
     <description><![CDATA[<p>
	Because of the high cost of most real estate, very few people can purchase a home with savings alone. Therefore, if you are like the vast majority of people, you will be borrowing money from a financial institution to purchase the property you want. Called mortgages, these loan products can be quite complicated. Knowing the basics of how mortgages work can help guide you to the loan that is most appropriate for you.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:50:52 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Three-Mortgages-Every-Home-Buyer-Should-Know]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Home-Equity-Loan-vs-HELOC]]></guid>
     <title><![CDATA[Home Equity Loan vs. HELOC]]></title>
     <description><![CDATA[<p>
	Using the equity in your home to pay off unsecured debt and/or make home improvements can be a hard financial decision. Low annual percentage rates, tax-deductible interest, and streamlining your monthly payment makes second mortgages extremely attractive. Meanwhile, using your home for collateral is a decision that should be weighed carefully.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:48:33 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Home-Equity-Loan-vs-HELOC]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Health-Savings-Accounts]]></guid>
     <title><![CDATA[Health Savings Accounts]]></title>
     <description><![CDATA[<p>
	No doubt about it, medical expenses &ndash; even if you have health insurance coverage &ndash; can be steep. However, if your policy has a high deductible, you may be able to use a Health Savings Account to pay for some very common (and often pricey) out-of-pocket medical expenses at a tax advantage.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:44:05 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Saving/August-2024/Health-Savings-Accounts]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Reverse-Mortgage-(HECM)-Counseling]]></guid>
     <title><![CDATA[Reverse Mortgage (HECM) Counseling]]></title>
     <description><![CDATA[<p>
	If you are considering a reverse mortgage, there are many important decisions to make. Among the biggest decision is determining whether a reverse mortgage is the best option for you.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:42:28 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Home-Buying/August-2024/Reverse-Mortgage-(HECM)-Counseling]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Understanding-Credit]]></guid>
     <title><![CDATA[FAFSA: The Key to Unlocking Financial Aid]]></title>
     <description><![CDATA[<p>
	The Free Application for Federal Student Aid (FAFSA) is a government form that streamlines the financial aid process, which can help reduce your student loan burden. This workshop covers FAFSA basics, as well as provides insight into the application process, how to complete the FAFSA online, federal requirements, and receiving and maintaining federal financial aid.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:32:07 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Understanding-Credit]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/WEBINAR-The-Sandwich-Generation]]></guid>
     <title><![CDATA[Unwrapping the Holiday Scam Season]]></title>
     <description><![CDATA[<p>
	Don&rsquo;t let scammers steal your holiday spirit! Unwrap knowledge and tools needed to protect you and your loved ones from holiday scammers. Learn how to identify the red flags, utilize safe online shopping techniques and the steps to take if you do become a victim.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:30:51 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/WEBINAR-The-Sandwich-Generation]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Identity-Theft-Solutions]]></guid>
     <title><![CDATA[Finances for Small Business Owners]]></title>
     <description><![CDATA[<p>
	Entrepreneurship is stronger than ever. This session covers all the financial aspects of starting and running a small business. Topics include: types of legal entity structures, writing a business plan, bookkeeping, paying taxes, and everything in-between.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:19:24 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Identity-Theft-Solutions]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Becoming-A-Homeowner]]></guid>
     <title><![CDATA[After Identity Theft ]]></title>
     <description><![CDATA[<p>
	If you&rsquo;re a victim of identity theft or just want to stay prepared, this workshop is a must. You&rsquo;ll learn about the different types of identity theft as well as proven steps you can take to minimize its impact.</p>
]]></description>
     <pubDate>Fri, 09 Aug 2024 10:15:40 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Webinars/April-2020/Becoming-A-Homeowner]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Navigating-A-Recession]]></guid>
     <title><![CDATA[Navigating A Recession]]></title>
     <description><![CDATA[<p>
	Before you can prepare for a recession, it&rsquo;s important to know what it is.</p>
<p>
	A recession is when the country&#39;s economy drops over several months or, in some cases, years. During the recession period, the country&#39;s gross domestic product, or the value of the goods and services it produces, drastically drops. Due to inflation and high levels of unemployment less money is spent in the market.</p>
]]></description>
     <pubDate>Tue, 06 Aug 2024 14:08:18 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Navigating-A-Recession]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Safety-Security/July-2022/Cybersecurity]]></guid>
     <title><![CDATA[Cybersecurity ]]></title>
     <description><![CDATA[<p>
	The very word conjures images of IT experts working to keep the world wide web safe &ndash; but the truth is you can manage your own cybersecurity in simple ways every day. Learning new habits and taking advantage of state-of-the-art tools from United Community can make it easy to keep you and your accounts safe. Be informed by learning more.</p>
]]></description>
     <pubDate>Mon, 01 Jul 2024 14:01:53 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Safety-Security/July-2022/Cybersecurity]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/The-Basics-of-Credit-What-to-Know-Before-You-Borro]]></guid>
     <title><![CDATA[ The Basics of Credit: What to Know Before You Borrow]]></title>
     <description><![CDATA[<p>
	Credit adds flexibility to planning and makes it possible to pay for expensive items over a period of time. Although it is very easy to take on more debt than you can afford, if you borrow wisely, you can come out ahead and achieve your financial goals quickly and affordably. Learn more.</p>
]]></description>
     <pubDate>Fri, 14 Jun 2024 15:48:07 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/The-Basics-of-Credit-What-to-Know-Before-You-Borro]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Resources/May-2019/Member-Auto-Center]]></guid>
     <title><![CDATA[Member Auto Center]]></title>
     <description><![CDATA[<p>
	Everyone knows that buying a car can be costly and frustrating if you don&#39;t have all the facts. At United Community, we make it easy to get all information you need. Our goal is to save you time and money with all of your auto needs and that&rsquo;s why we&rsquo;ve partnered with Member Auto Center to offer an exciting solution for your auto buying needs.</p>
]]></description>
     <pubDate>Wed, 22 May 2024 12:44:56 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Resources/May-2019/Member-Auto-Center]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Safety-Security/July-2022/Senior-Fraud-Awareness]]></guid>
     <title><![CDATA[Senior Fraud Awareness]]></title>
     <description><![CDATA[<p>
	May hosts National Senior Fraud Awareness day and is marked as Older American month. To pay tribute to this, here are some simple tips to protect yourself and/or your senior loved ones from financial fraud.</p>
]]></description>
     <pubDate>Wed, 22 May 2024 11:35:16 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Safety-Security/July-2022/Senior-Fraud-Awareness]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Quick-Tip-Retirement]]></guid>
     <title><![CDATA[Quick Tip: Retirement ]]></title>
     <description><![CDATA[<p>
	Among the most common questions about retirement relate to knowing how much money will be enough to live on.</p>
]]></description>
     <pubDate>Wed, 22 May 2024 10:44:35 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Quick-Tip-Retirement]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/What-Debt-Collectors-CAN-T-Do]]></guid>
     <title><![CDATA[What Debt Collectors CAN'T Do]]></title>
     <description><![CDATA[<p>
	Learn more about what debt collectors cannot do when trying to collect funds.&nbsp;</p>
]]></description>
     <pubDate>Thu, 09 May 2024 14:10:22 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/What-Debt-Collectors-CAN-T-Do]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/BALANCE-Financial-Fitness]]></guid>
     <title><![CDATA[BALANCE Financial Fitness]]></title>
     <description><![CDATA[<p>
	Blog Provided by <a href="https://unitedccu.balancepro.org/" target="_blank">BALANCE</a></p>
]]></description>
     <pubDate>Sun, 07 Apr 2024 15:39:44 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/BALANCE-Financial-Fitness]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Five-Ways-to-Establish-Credit]]></guid>
     <title><![CDATA[Five Ways to Establish Credit]]></title>
     <description><![CDATA[<p>
	When it comes to getting a credit card, qualifying is actually one of the easiest parts of the process. Establishing a positive credit record, however, requires dedication and patience.</p>
]]></description>
     <pubDate>Sun, 07 Apr 2024 15:25:14 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Five-Ways-to-Establish-Credit]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/When-is-the-right-time-to-invest]]></guid>
     <title><![CDATA[When is the right time to invest?]]></title>
     <description><![CDATA[<p>
	Perhaps now more than ever, life is unpredictable &ndash; and so are financial markets. Rates are rising, bonds are falling, and stocks are riding a volatile roller coaster. For this reason, you may be wondering when the right time is for you to invest. It&rsquo;s a complex question &ndash; and we&rsquo;ve got some answers&hellip;</p>
]]></description>
     <pubDate>Mon, 01 Apr 2024 09:01:56 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/When-is-the-right-time-to-invest]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/Your-Guide-to-Paying-Down-Debt]]></guid>
     <title><![CDATA[Your Guide to Paying Down Debt]]></title>
     <description><![CDATA[<p>
	<strong>Your Guide to Paying Down Debt</strong></p>
<p>
	Racking up debt can be too easy. If left unchecked, debt can skyrocket and feel unmanageable. Fortunately, there is hope. With a few manageable strategies, you can get debt under control &ndash; and we can help! Learn more.</p>
]]></description>
     <pubDate>Thu, 07 Mar 2024 14:31:56 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/What-Debt-Collectors-CAN-T-Do/March-2023/Your-Guide-to-Paying-Down-Debt]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/Build-and-Repair-Credit-Step-by-Step]]></guid>
     <title><![CDATA[Build and Repair Credit Step by Step]]></title>
     <description><![CDATA[<p>
	<strong>Build and Repair Credit Step by Step</strong></p>
<p>
	Diligently building good credit is one way to grant yourself access to the resources you need to live your best life &ndash; but how do you do it, and what steps can you take to repair damaged credit? Whether you are just starting to build credit for the first time or need to improve your score, you can take several achievable steps, and we can break them down for you. Learn more.</p>
]]></description>
     <pubDate>Thu, 07 Mar 2024 14:24:49 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/Build-and-Repair-Credit-Step-by-Step]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/Good-vs-Bad-Credit]]></guid>
     <title><![CDATA[Good vs. Bad Credit]]></title>
     <description><![CDATA[<p>
	Having credit is both useful and exciting. It can open up opportunities for you to have new experiences, reach goals and enjoy greater purchasing convenience.</p>
]]></description>
     <pubDate>Wed, 07 Feb 2024 14:10:33 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Credit-Score/June-2023/Good-vs-Bad-Credit]]></link>     
</item><item>
     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/5-tips-for-financial-fitness]]></guid>
     <title><![CDATA[5 tips for financial fitness]]></title>
     <description><![CDATA[<p>
	<strong>5 tips for financial fitness</strong></p>
<p>
	Fitness is often thought of as a purely physical thing, measured by whether you can endure vigorous exercise or exhibit muscular strength. However, financial fitness is just as crucial to your happiness as physical fitness. Achieving financial fitness better allows you to reach your goals and live the life you want.</p>
]]></description>
     <pubDate>Tue, 09 Jan 2024 08:20:15 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/5-tips-for-financial-fitness]]></link>     
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     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Spend-Smartly]]></guid>
     <title><![CDATA[Spend Smartly]]></title>
     <description><![CDATA[<p>
	<strong>Spend Smartly</strong><br />
	Preparing for the holidays in the economy</p>
<p>
	The holiday shopping season is on its way &ndash; and even though the economy may be taking a downward turn, you can have a merry season without blowing your own financial forecast. The key is to incorporate smart spending strategies into your holiday planning.</p>
]]></description>
     <pubDate>Wed, 04 Oct 2023 15:50:52 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Financial-Tips/April-2018/Spend-Smartly]]></link>     
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     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Seminars/August-2022/Managing-Your-Debt]]></guid>
     <title><![CDATA[Managing Your Debt ]]></title>
     <description><![CDATA[<p>
	Whether you want to simplify your finances or improve your credit, join us as we discuss how powerful of a tool debt consolidation can be under the right circumstances.&nbsp;</p>
]]></description>
     <pubDate>Wed, 31 Aug 2022 14:29:28 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Seminars/August-2022/Managing-Your-Debt]]></link>     
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     <guid isPermaLink="true"><![CDATA[https://www.unitedccu.com/Blog/Seminars/March-2022/Understanding-Credit]]></guid>
     <title><![CDATA[Understanding Credit]]></title>
     <description><![CDATA[<p>
	Understanding Credit</p>
]]></description>
     <pubDate>Tue, 01 Mar 2022 15:24:21 GMT</pubDate>
     <link><![CDATA[https://www.unitedccu.com/Blog/Seminars/March-2022/Understanding-Credit]]></link>     
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