“Real World” Advice from Dads & Grandpas 2014

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Thank you to everyone who participated in our Father’s Day Facebook Contest, and for posting all of the ways in which your fathers and grandfathers taught you how to prepare for the “real world.”

Below is a list of all the wonderful advice we received:

  • “My dad helped me to set multiple levels of financial goals, including starting my first savings account at First Financial (at that time MonOc)! He also helped me to learn about credit cards, savings certificates and CDs. Overall, he really helped me to get on the right track and become very successful today with my finances. Hope I have the opportunity to give him that Home Depot gift card for Father’s Day!” – Joshua E.
  • “Dad and grandpa both stressed the importance of needs vs. wants and how bills should only account for a certain percentage of my income. Smart men!” – Troy J.
  • “My dad always said to pay with cash. If you don’t have the money now, save for it.” - Bridgette D.
  • “Dad always made sure I never spent my whole paycheck from the time I started working at 14. That went from giving him a few bucks back then and turned into retirement and investment accounts today. Great advice.” – Karen M.
  • “By putting away a portion of income automatically and the importance of saving for retirement!” – Joe V.
  • “I was one of seven children, so a total family of nine with my parents. I witnessed my Dad save money in many ways, first to put food on the table for a large family, let alone pay a mortgage and utilities, clothing, etc., was a task. What he taught us was how to survive on a few dollars when you had to, don’t hire laborer’s when you can do repairs yourself, “learn it” he said, learn it all. He made cabinets, he fixed his own cars, he did electrical work. We went without a furnace for 3 month’s of a very cold winter while he rebuilt the system when our furnace broke, we stayed in one room of our nine room home. He built additions for family, with family, and his trade, he was a printer on an old fashioned Poegy Press – I incidentally knew how one worked myself at age 13. Yet, he took us on vacation every year in the summer, because he saved through his own laboring. He owned two homes in his lifetime. He’s deceased since 1990, and I still have questions I wish I’d asked on many things he did. I can say my son-in-law does a lot of these things, and he reminds me of my father in this respect, which makes me proud to say my daughter’s married men who “labor” and that is a way to save.” – Patricia C.
  • “Pay yourself first! (Put money into savings first, before you do anything else).” – Denise J.
  • “My Dad taught me to always pay my bills on time and he encouraged me to purchase a rental property so someone else could pay my mortgage; it was the best advice ever.” – Kevin O.
  • “Only buy if you will use it as a priority.. not just a want.” – Gayle G.
  • “My Dad taught me to never pay credit card interest, to always donate 2% to charity and to save for those big unexpected purchases.” – AT O.
  • “My dad taught me to balance my checkbook and how to understand stock indexes when I was 15 yrs old.” – Chief (Facebook Username)
  • “My grandfather was a frugal yet enormously generous man who taught all of us that it takes more than money to be rich!” – Kerry D.
  • “My dad taught me to save a portion of every paycheck.” – Patty B.
  • “My father taught me how to budget once I got into the ‘real world’ by his example. He never used a credit card and taught me that if you didn’t have the extra cash to purchase something then you would have to wait and save for it. Today I employ this, however, I do use my credit card, specifically for the ease of that type of payment especially in today’s use of technology and internet retail. I follow his example and manage that by paying my credit card bill every month in it’s entirety so I do not incur any interest charges.” – Danette K.
  • “My Dad made sure I paid back any money I borrowed. I’m happy to say that almost 40 years later I pay all my debts on time! Thanks Dad!” – Charlene L.
  • “Well, I have to say honestly my dad didn’t teach me to ‘budget’ money, my mom did the financials in our household. But he did teach me the value of balancing, looking ahead and enjoying the now. He knew the future was important but also how important it was to live in and appreciate the present. That’s a great gift.” – Terri S.
  • “My dad taught me to always put away a percentage of my pay check for those ‘emergencies.’ He always taught me the financial responsibilities in life, even if I didn’t like it. I had to start paying rent the day after I graduated high school. I didn’t like it then, but it taught me responsibility and budgeting my finances since I had to. I thanked him years after because he taught me so much more than others my age.” – Renee M.
  • “Dad always saved first, then bought. From the day he bought a car, he would start saving for the next.” – Laurie S.
  • “My father always said live for the future not just for today. He encouraged us to save money and if you wanted something, you should set aside money each week so you can buy it outright.” – Lori M.
  • “My father always used coupons which allowed us to have money for fun things, like the arcade or movies. I used to get a $3 weekly allowance which I saved to buy my family Christmas presents with. We weren’t rich, but I thought we were!” – Angela S.
  • “My grandfather taught me the importance of saving from a early age. Through this time and his encouragement I was able to buy my own car in cash.” – Kenny F.

Be sure to follow us on Facebook and receive the most recent information about First Financial including monthly trivia, seminars, financial tips, event information, promotions, and so much more. Thank you again for participating and on behalf of everyone at First Financial, we wish all Fathers and Grandfathers a wonderful and happy Father’s Day!

You Could Win a $75 VISA Gift Card in our 2013 Holiday Facebook Contest

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*To be entered, leave a comment about how you budget yourself for holiday shopping on our Facebook page on or before 12/6/13 at 11:59pm. The winner will be randomly selected from the entries and notified by the Marketing Department on 12/9/13. Winner will be able to pick up their gift card in a First Financial branch or receive it via mail. No purchase necessary to enter or claim prize. You must be 18 years or old to enter. One entry per person.

 

You Could Win Up to $10,000 using First Financial’s Online Bill Pay this Summer 2013

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Win a chance to make your summer dreams a reality.

Pay at least 3 bills using First Financial’s Online Banking this July and August, and you’ll automatically be entered for a chance to win up to $10,000! Every bill you pay after that is another entry (up to 30 entries)! Want more? Activate an eBill account for an additional entry, up to thirty entries.

With Online Bill Pay you get:

  • Security - protection against unauthorized transactions
  • Reliability - guaranteed on-time payment
  • Flexibility - pay anyone, anywhere, on your schedule
  • Visibility - view and track your payment history
  • Tranquility - have less stress and more time to relax

Cash Prizes

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Enjoy sweet dreams this summer with First Financial’s online bill pay service. Log in to Online Banking and start paying your bills today.  To sign up for First Financial’s Online Bill Pay, you must first be enrolled in online banking. For those already enrolled in Online Banking, you can sign up for Bill Pay securely using the Bill Payment tab or by calling 866.750.0100. For more information about First Financial’s Online Banking and Bill Pay, click here.

Good Luck!

*If you have previously logged into Online Banking within the past 6 months – you DO NOT need to fill out a new enrollment form. To enroll in Online Banking or if you haven’t logged in within the past 6 months, please login to Online Banking as a first time user (FIRSTFFCU.COM) with your member number as your User ID, check the box that you are a first time user, and follow the prompts. If you have any questions about logging in, please call our 24/7 toll free support line at 855.299.4411.

*NO PURCHASE, PAYMENT OR BANKING RELATIONSHIP NECESSARY. Sweepstakes ends 8/31/13. Open to legal US residents residing in any of the 50 United States or DC, who are 18 years of age or older and have a unique, personal and valid social security number at the time of entry. Business entities are not eligible to participate. Subject to full official rules available at www.advisorsplus.com/campaigns/rules. Void in Puerto Rico, US territories and possessions, outside of the US and where restricted or prohibited by law.

Kids Earn Reader Rewards in Our 2013 Summer Reading Contest!

reading-across-americaAre your children ready to let their imaginations soar this summer?  If so, First Financial’s annual summer reading contest begins today!  From now until August 30th, 2013 – all First Financial members up to age 18 are eligible to earn rewards when they read books.

  • Earn $1 per book read, up to 10 books
  • Earn one entry per book in our drawing to win a $100 Barnes and Noble gift card – number of entries unlimited!*
  • *New for 2013 – all participants will be placed into an additional drawing on 8/30 to win the children’s books on display at each First Financial branch throughout the contest (1 child from each branch, 5 total).

To participate, members must submit an entry form for each book read. Forms can be picked up at any one of our branches, or you can print them out here.**

The grand prize winner will be selected by 9/13/13 and will be featured in an upcoming fall 2013 e-Newsletter. Click here to view the contest terms and conditions.

Seize the summer and start reading!

*Credit Union membership and Savings Account is required to participate. Members up to age 18 are eligible to participate and must complete an entry form. Reader rewards must be deposited to a child’s First Financial Savings Account. Winning reader and 5 runners up will be drawn on or about 9/13/13 and will be contacted by the First Financial Marketing Department. **Forms will not be posted on the website or located in any First Financial branch before July 1, 2013.

First Scoop Blog Subscriber Contest!

subscribe_and_win copyIn the recent months, our First Scoop Blog has undergone some enhancements (there is now a search bar to search for posts by title, date, topic, and keyword; along with new green word bubbles to leave comments, and more!).

In order to receive the latest financial news, education, and First Financial happenings straight to your inbox, we are asking you to subscribe to our First Scoop Blog and we are holding a blog subscriber contest starting June 12th and running through June 30th. Those of you who subscribe to our blog from now until 11:59pm on June 30th will be automatically entered into a drawing to win a $75 Fins! A Tropicali Grill Gift Card!*

You can subscribe by going to http://blog.firstffcu.com and simply entering your email address at the top right in the white box under “subscribe via email.”

We look forward to continue bringing you the latest financial scoop!  Remember, your comments and feedback are always welcome.

*Entry period is June 12 – June 30, 2013. Offer available to new First Scoop Blog subscribers only, who subscribe by 11:59pm on 6/30/13. Must be 18 years or older to enter. Only new subscriber sign up’s will be eligible to win the contest prize – current blog subscribers prior to 6/12/13 are not eligible to win. A grand prize winner will be drawn at random from new blog subscribers and will be notified by the Marketing Department on or about 7/1/13.

Financial Advice from Mothers and Grandmothers

mothers-day-subway-art-8x10We’d like to thank everyone who participated in our Mother’s Day Facebook Contest and posting the best financial advice their mother or grandmother ever gave them. Congratulations to our Facebook Contest winner, Susan Rubin, who earned a $50 Hand and Stone Massage Spa gift card for Mother’s Day. Here is what she shared:

“My mom taught me to embrace and live life to the fullest. Don’t skimp on your needs but you can live without all the ‘WANTS’.”

We received a number great financial tips and and we thought it would be nice to share them with everyone…

  • “My Mom is wonderful woman! She has always encouraged me to save my money and pay my bills on time. My Mom deserves praise and recognition for her efforts to raise good children with morals and scruples. I love my Mom with all of my heart and I am proud to be her daughter! Happy Mother’s Day Mom!” – Jeanie P.
  • “My mother told me to ‘always pay yourself first’. No matter how small a paycheck or how big the bills/debt, you need to put something away for that rainy day/emergency/retirement fund. You never know when you might need it!” – Michelle J.
  • “My Mother many years ago believed that a woman should always have her own account when married besides the household accounts.” – Claire D.
  • “My husband’s grandparents who were close to 100 when they passed away had a very simple way of life, Grandma always said to Grandpa even at 96 years old ‘You do not work you do not eat’.” – Yovone R.
  • “My mom taught me at a young age that all your change adds up quickly.”- Kimberly P.
  • “Mom taught me to live within my means — if you can’t afford it, don’t buy it.” – Susan H.
  • “My mom told me that the best and easiest way to save was to get the money removed directly from your paycheck. After two paydays you won’t even miss it! She was right!” – Michelle W.
  • “My mom taught me to explore new and different retirement options and savings plans to prepare for my future.” - Mike R. 
  • A dollar spent is a dollar gone; it doesn’t just recycle itself and it’s not some bottomless pit.” – Tina P.
  • “’When it comes down to it, the only person you can depend on… is yourself’ – helpful in regards to finances and life in general.” – Kori S.
  • “My single mom had been a member of the credit union all through my childhood. Although on a very tight budget, she used to have a separate Christmas account (Holiday Club) to save money all year long for the holidays so she could spoil my sister and I on her favorite holiday!” – Alison Z.
  • “Best advice is to strive to be independent, especially financially. Surround yourself with good people but at the end of the day, be able to rely on yourself!” – Margaret P.
  • “Make sure to think carefully about everything you spend. A dollar each day for coffee may not seem like much, but even the little things add up!” – Kelly B.
  • “Money doesn’t grow on trees!” – Kathleen G.
  • “Best financial advice my momma gave me was to spend wisely but also remember you only live once!” – Melissa D.
  • “Best advice from mom was to work hard, spend your money wisely, save and invest!” – Marina F.

Be sure to follow us on Facebook and receive the most recent information about First Financial including monthly trivia, seminars, financial tips, event information, promotions, and so much more! Thank you again for participating and on behalf of everyone at First Financial we wish all Mothers and Grandmothers a wonderful and happy Mother’s Day!