GROCERIES
DO NOT PUT DOWN YOUR
Summer 2016
How to Save on Groceries Enhanced Protection Bike to the Beat - myTEAM TRIUMPH
How to Save on
COUPON CLIP
IN THIS ISSUE » Fox in the Community PEDAL TO TH » Bike to the Beat E BEAT OF MU SIC! » Quick Tips & Resources SATURDAY, AUGUST 6 » Enhanced Protection Jones Park • Check for store or product coupons Appleton F u ll GROCERYroLIST » First Time Homebuyer ute follows the Fox Rive ahead of time to save major bucks r to » How Wrightstow Before hitting the store, to Save on Groceries n! download a list app or use Along the ro the built-in notes app to ute wil As part ofstour commitment tol bprotecting e 6 food the security of your account, we continuously ops with ori g in make a list of items that a monitor for possible fraudulent To further protect you, if a purchase is considered l Mile activity. of MusicGroceries cost American households $312.75 a month awill rtists perform you intend to purchase. suspicious, you receive a text ing!and/or email asking you to confirm if the purchase is valid. Lear Stick with your list to d n mo re an register by vi An average family using coupons saves $38.40 a month sitinto g verify if you did make the purchase(s), avoid overspending. We ask you www.foxbwill iketoONLY thebeat.com we will NOT ask for account or personal information. That’s a potential savings of $460.80 a year
SMART PHONE
YOUR WAY TO SAVINGS
ENHANCED FRAUD PROTECTION ALERTS FOR OUR DEBIT & CREDIT CARDHOLDERS!
COUPONS
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John Lenardon. Life Happen through the sponsorships of many fun-filled community events withinwww.foxcu.org the Fox Cities, Green Bay and Lakeshore areas.Summer (page 22016 & 3). |•3Fox 2016 • Fox Facts www.foxcu.org Facts• |Fox 5 Facts | 7 Summer 2016 www.foxcu.org Summer
munity m o c n u f these REE Join us at F e r a m e any of th m s t n e ev by Fox! d e t r o p p - all su
July 18 - August 12 August 4 - 7 August 6
Tools 4 School - Sc hool supply collect ion at all Fox Communities Cred it Union branches . Mile of Music - O ver 200 original ar tists performing over 500 sets dow ntown Appleton. Bike to the Beat -
August 12 - 16 August 16 & 17 August 18
August 19 September 3 & 4 September 9 & 10
See page 3 for mor
e details!
Seymour’s Annual Burger & Balloon Rally Fest - Check out Fox’s hot air ba lloon! 50 Ways to Save -
FREE seminar in Ap
pleton & Green Ba y.
FREE Future Neena h Out to Lunch Co ncert, Shattuck Park - Children’s m usical performer, Ra ndy Peterson. Celebrate our new est branches with a cookout! Two Ri & Manitowoc loca vers tions. $1 brats, ho tdogs, & burgers! Lakeshore Balloon Glow, Manitowoc - Join us at this FREE event and check ou t Fox’s hot air ballo on! FREE Kites Over La ke Michigan, Nesho tah Beach, Two Ri vers. Sputnikfest, Manito woc - Join us for th is FREE wacky festi in celebration of th val e landing of Sputni k!
Visit foxcu.org/cale
ndar for more even
t information.
Looking for more to do? Check out www.govalleykids.com Summer Bucket List sponsored by Fox! Hundreds of things to do all over Northeastern Wisconsin! www.foxcu.org
Summer 2016 • Fox
Facts | 2
GROCERIES
DO NOT PUT DOWN YOUR
How to Save on Groceries Enhanced Protection Bike to the Beat - myTEAM TRIUMPH
How to Save on
COUPON CLIP
SMART PEDAL TO TH E BEAT OF MU YOUR WAY TO SAVINGS SIC! PHONESATURDAY, AU G
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John Lenardon.
www.foxcu.org www.foxcu.org www.foxcu.org
Fox Facts | •3 Fox 2016 Summer 2016 • Facts•| Fox 5 Summer 2016Summer
Facts | 7
Stay financia lly strong wit h good money manag ement habits .
Access Your Financial Health In just minutes, analyze your financial situation, understand your cash flow, and know where you stand with your debt. With this simple tool, you can learn how to build a budget, compare debt payoff strategies, and get tips on how to be better with your money! Plus, watch SavvyMoney Minute Videos by award winning financial expert, Jean Chatzky.
Be Smart About Finances! Step up your saving s strategy.
Visit foxcu.org/savvy to get started today!
‘Ladder’ your credit card debt.
Clark Howard on Conquering Credit Card Debt If you’re saddled with debt on multiple credit cards, Howard recommends what he calls “laddering,” which starts with paying off the card with the highest interest rate first. Put more money toward that credit card and less toward your other cards. Once you have paid off that credit card, move on to the next one. Fox, for instance, has credit card rates as low as 9.9% apr* while banks and store cards have rates as high as 25% apr. Visit foxcu.org for more information on credit cards. *apr=annual percentage rate. Rate may be based on credit score.
redit Use your Fox Rewards C ay Card points to make holid shopping a little easier.
Clark Howard on Saving Money As much as you might want to save money in leaps and bounds, doing so doesn’t leave much left over for expenses and necessities. The more practical effort is to save in small steps. “Start by saving a penny of each dollar that you make and step it up another penny every six months,” said Howard. “In 5 years you will be saving 10 cents of every dollar you make, and in 10 years you’ll be saving 20 cents of every dollar you make.” Let us help you make saving money a little bit easier by setting up auto transfers in online banking. You can have funds automatically transferred to your savings account whenever you want! Or, if you have a Fox Debit Card, enroll in our free roundup program. With every debit card purchase, your extra change, up to the next dollar, will be deposited to your savings account.
up! Save
Our Score Card Rewards shop has over 1,600 items & gift cards to choose from! With a Rewards Credit Card from Fox, you can earn points with every purchase and redeem those points for holiday gifts! There are gifts for everyone, you are sure to find the perfect gift for anyone. Apply today! foxcu.org/credit-cards
www.foxcu.org
Summer 2016 •
Fox Facts | 4
GROCERIES
DO NOT PUT DOWN YOUR
COUPON CLIP
SMART YOUR WAY TO SAVINGS PHONE ENHANCED FRAUD PROTECTION ALERTS FOR OUR
Check for store or product coupons GROCERY LIST DEBIT & CREDITahead CARDHOLDERS! of time to save major bucks Before hitting the store,
How to Save on Groceries Enhanced Protection
How to Save on
download a list app or use As of our commitment thepart built-in notes app to to protecting the security of your account, we continuously monitor for possible fraudulent activity. To further protect you, if a purchase is considered make a list of items that costyou American households $312.75 suspicious, will receive a text and/orGroceries email asking to confirm if the purchase is valid. a month you intend you to purchase. Stick with your list to average family using the coupons saves $38.40 a month We will ONLY ask youAn to verify if you did make purchase(s), avoid overspending. we will NOT ask for account or personal information. That’s a potential savings of $460.80 a year COUPONS Usenew yourtext web browser or The and email communications are in addition to the phone call communications specialty coupon apps to we’ve always offered. Keeping you protected is important to us and we are excited to offer c search forenhanced grocery store these new fraud services to our debit & credit cardholders. MULTIand product coupons. – 7 8 9
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SO THAT WE MAY CONTACT YOU QUICKER IN THE CASE OF REWARDS
Most grocery stores have POSSIBLE FRAUDULENT ACTIVITY! loyalty programs and many have companion apps that track your points and serve Always sign up for Like your favorite Hard work pays up tailored offers. a free sample. In brands on Facebook off when it comes most cases, your and follow merchants to couponing and freebie will also on Twitter. Many saving money. Do It’s a Money Thing is a registered Moved? New email? Newreward phone #? online searches for come with coupons brands their trademark of Currency Marketing for significant loyal customers with the best price and Sources: Federal Trade savings and exclusive offers, so search for coupons Commission, Identity Theft Call us at 920.993.9000 or go into your account with online banking to update your discounts on other you’ll stay up date from grocery stores Resource Center, Identity Theft personal information (cleverly hidden under Info Center, My Preferences). Toolkit: How to Recover From related products. on contests and as well as from and Avoid Identity Theft by giveaways. product companies. John Lenardon.
www.foxcu.org www.foxcu.org
Facts•| Fox 5 Summer 2016Summer • Fox 2016
Facts | 7
DECISIONS...DECISIONS...IS IT THE RIGHT TIME FOR ME TO BUY A HOME? Purchasing your first home should come only after careful consideration of what’s going on in your life. It’s not a “one-size-fits-all” type of decision. Do yourself a favor and consider the following before jumping into the homeownership arena. HOW’S LIFE?
Consider your work stability, status of your relationship (also consider your partner’s possible life changes) along with many other scenarios. Unexpectedly having to sell your home within a short amount of time after buying, could prove to be a costly undertaking.
HOW DO YOU FEEL ABOUT HOME PROJECTS?
Are you ready for yard-work, painting, shoveling, washing windows, and all of the other maintenance projects that come with homeownership? Are you an accomplished “do-it-yourself” person or will you be hiring out most projects? Keep this in mind as you’re preparing to make the homeownership decision.
HOW ARE YOUR FINANCES?
Follow our Blog at foxcu.org/blog to continue reading, researching, and learning!
You’ll need to consider your down payment amount and how you’ll save it, if you haven’t already started. If money is deposited automatically (you can set this up with Fox’s Online Banking!), you won’t see the money, and you won’t miss it. Owning a home comes with a lot of new financial responsibilities. When the water heater stops working, you’ll no longer have a landlord to come fix it and pay for it. You’ll be glad you’ve developed this automatic savings habit. It’ll help you through those unexpected times.
These are only a few of the things to consider before buying a home. With some careful planning, it can be a very EXCITING TIME IN YOUR LIFE!
FOX IS COMMITTED TO HELPING MEMBERS OBTAIN THEIR HOMEOWNERSHIP DREAMS! Ask about our: • Exclusive First Time Homebuyer loan options - with $500 off closing costs.*
• Down Payment Plus Program®
- with up to $6,000 available to eligible homebuyers towards down payment and closing costs.*
*Eligibility required. Exclusions apply. Visit with a Fox Mortgage Lender for full details.
www.foxcu.org
Summer 2016 •
Fox Facts | 6
GROCERIES
DO NOT PUT DOWN YOUR
SMART PHONE
GROCERY LIST
Before hitting the store, download a list app or use the built-in notes app to make a list of items that you intend to purchase. Stick with your list to avoid overspending.
COUPON CLIP YOUR WAY TO SAVINGS Check for store or product coupons ahead of time to save major bucks
Groceries cost American households An average family using coupons saves
$38.40
That’s a potential savings of
$460.80
COUPONS
Use your web browser or specialty coupon apps to search for grocery store and product coupons.
MULTIPURPOSE CLEANER
CALCULATOR
Your phone does math! When in doubt, use the built-in calculator to figure out unit costs.
REWARDS
Most grocery stores have loyalty programs and many have companion apps that track your points and serve up tailored offers.
It’s a Money Thing is a registered trademark of Currency Marketing Sources: Federal Trade Commission, Identity Theft Resource Center, Identity Theft Toolkit: How to Recover From and Avoid Identity Theft by John Lenardon.
www.foxcu.org
$
a month a year
c
1
7 4 1
OFF
8 5 2 0
COMPARISON
Not sure if you’re looking at the best price? Use an online shopping app or your web browser to compare prices before buying.
$312.75 a month
9 6 3 .
– + =
NEXT-LEVEL COUPONING! SAMPLES
SOCIAL
HOMEWORK
Like your favorite brands on Facebook and follow merchants on Twitter. Many brands reward their loyal customers with exclusive offers, so you’ll stay up to date on contests and giveaways.
Hard work pays off when it comes to couponing and saving money. Do online searches for the best price and search for coupons from grocery stores as well as from product companies.
FREE
Always sign up for a free sample. In most cases, your freebie will also come with coupons for significant savings and discounts on other related products.
Summer 2016 • Fox
Facts | 7
How to Save on Groceries
How to Save on
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