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Entitlement
Becky and Steve
One of the reasons I believe we were stuck in our financial spiral and weren’t getting ahead was a sense of entitlement. We both work very long hours and I am finishing my fourth degree. That sense of “I am working so hard, I should have something to show for it, or I should be able to buy what I want, travel, and do all the other fun things our friends are doing,” became our go-to. I also believe there is a sense of guilt for always being gone at work, so we treat our kids to nice gifts or vacations that aren’t in the budget unless paid for with a credit card.
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Grocery Budget….Yikes!
Becky and Steve
Using the Summit Money Minder feature on our Summit Credit Union app has been very eye opening to say the least. I cannot believe how much money we spend on groceries! How in the world could a family of four spend so much on groceries!! I literally thought we were only spending a fraction of what we are actually spending before we used Summit Money Minder. The good news is, we have been spending a lot less on eating out.
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Off on the right foot
Becky and Steve
Week 1 is off to an okay start. This week is our son’s graduation from high school and our daughter’s 16th birthday. Next week our daughter heads overseas on a school trip and events like these, although expected, always seem to tip the budget. By adding a “Budget Alert” to Summit’s Money Minder tool for “Extra Expenditures” we can see quickly how much we have spent towards these items.
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It’s Your Money – Own It!
Becky and Steve
If you’ve watched local TV in our area you’ve seen the Summit Credit Union commercials that end with the tag line, “It’s Your Money, Own it.” What does this even mean? Twice a month we receive paychecks, deposit them in the bank, and then the next thing we know – they are gone and we patiently wait for the next one, and the next, and the next. At the end of the month, where did our money go?  Do we know where it all went? Do we tell each dollar where to go…or did some of it magically disappear from swipe after swipe after swipe? 
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