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Financial Articles & Tips

TTCU is pleased to provide a collection of educational articles to help our members make informed financial decisions and work toward achieving the bright financial futures they seek.

2017 Articles

Credit Utilization (Video)
Credit utilization is how much credit is available to you vs. how much of it you actually use.

Don't Fall for Valentine's Day Scams
Internet thieves coolly set traps for unsuspecting shoppers around Feb. 14.

How to Buy a Used Car

Here are many pre-owned gems just waiting to be found. find out how to choose one you can drive happily for years to come.

How Credit Mix and New Credit Affect Your Score (Video)
These lesser known factors can affect your credit score. But what exactly do they mean?

How Payment History Affects Your Credit Score (Video)
Financial mistakes can haunt you and your FICO score. 

Mars Vs. Venus Divide
Men and women can have very different attitudes towards financial matters.

Retirement Plan Considerations at Different Stages of Life
Throughout your career and life, retirement planning will likely be one of the most important components of your overall financial plan.

Scammers Pull at Heartstrings to Get to Our Money
Be wary of three scams that take advantage of human compassion.


6 Ways to Save More Money in the New Year
With the New Year comes an opportunity to change old financial habits. Here are several ways to become a more efficient saver.

Spring Cleaning Your Finances
It is a great time to clean out your wallet, that junk drawer full of receipts and any overflowing file cabinets.

Tax Season Brings Out Tax-Related ID Theft Scams
The main ways scammers do this are by filing fraudulent returns, phone scams and email or text message phishing.

Three Reasons You Need an Automated Savings Plan
"Save money” is timeless advice but actually doing it can be another story.

2016 Articles


Authorities Warn Not to Insert Found USB Drives into Your Computers
Those little data storage devices called USB or flash drives can harbor malware.

Be Safe When Shopping Online
Take a few precautions and use these guidelines when doing your holiday shopping online.

Benefits of Belonging
Now it’s better than ever to belong to The Tennessee Credit Union.

Best Ways to Save on Summer Vacation
Here are some tips to help keep things affordable.

Building a Credit Score from Scratch
Having no credit history can limit your options just as much as having bad credit does. Here are some simple steps to quickly establish your credit record.

Budgeting as a Family
A healthy and open approach to money management is good for the entire family.

Create a College Planning Calendar
Use a year-round planning calendar to help prepare yourself and your college-bound teen.

Credit Score Rules
You may think you have credit scores all figured out. But the rules are changing! 

Do You Have an Emergency Fund?
This is one of the foundations of investing 101!

Financial Literacy for Kids
Keep money lessons relevant, age appropriate and a bit playful.

Financial Tips for Recent Grads Entering the Workforce
Snagging a job is a priority but so is tackling various financial responsibilities.

4 Reasons to Buy a Home Instead of Renting
Are you wondering if home ownership is right for you? Here are four circumstances in which it may be a better bet to buy.

4 Steps to Protect Yourself from identity Theft
With a few precautions now, you can help safeguard your personal information.

The House You Buy May Not Be Forever
Be adaptable when house-hunting. Here are few tips to consider.

How to Avoid the Busy Holiday Scamming Season
Awareness can help you avoid becoming yet another scamming victim. 

How to Rebuild Your Credit
When you experience a financial challenge, your credit record could suffer.  Rebuilding it takes time.  There are no shortcuts or secrets, but these steps can help.

How to Reduce Home Energy Costs
These tips may help you cut heating costs this winter and ease the strain on your budget.

Important Password Security Tips
Passwords are your first line of defense. Protecting your information is critical.

Is Your Relationship with Money on the Rocks?
Your money needs attention, respect and understanding.

It's Home Improvement Time
Tips on how to maximize your home remodeling project.

Money Tips to Ignore
It can be hard to know what 'money advice' to take seriously.

Organize Your Finances for the New Year
If one of your resolutions is to improve your financial health, here's how to make it happen.

Personal Budgeting Worksheet
Use the worksheet for at least 2-3 consecutive months. It will give you an idea of how you are spending your money and changes you can make to improve your situation.

Personal Finance: Decade by Decade
There are two “golden rules” in personal finance that apply, regardless of how old you are.

Prepare Your Finances for Success in 2016
Here are four easy personal finance goals to help you begin the New Year on the right path.

Prepare Your Social Image for Job Hunting
Give yourself the advantage when job hunting by checking your social media image.  

Repair or Replace?
Consider these factors when deciding if it is time to replace your old car rather than repair it.

Saving for Retirement While Paying Down Debt
Steps to help you save while reducing what you owe.

10 Terms Every Home Buyer Should Know
It’s important to understand these 10 essential terms so you understand how much house you can afford and make smart decisions when you buy a home.

Things Teens Can Do This Summer to Boost Skills & Earning Potential
If you know a teen who wants to break from the norm and do something this summer that will increase his/her future earning potential, here are some helpful activity ideas.

Top 5 Credit Score Myths
Your credit score is most influenced how you pay your debts and how much debt you owe.


Traveling? Protect Your Home.
While you are on the road, make sure your home is kept safe.

Use All the Money Tools Available to You
TTCU can help you save time and money when you use the resources and tools available. 

What's with All the Spam?
How can you limit the amount you receive.

What’s Your “Money Attitude”?
Knowing how you feel about money could affect how well your financial life unfolds. 



Content and links appearing on the TTCU Financial Topics & Tips pages are furnished as a convenience to members and do not constitute an endorsement by The Tennessee Credit Union.



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