You just found out you got a holiday bonus, and you’re imagining the endless possibilities. But before you go on that shopping spree at the mall or book a flight to the Bahamas, consider spreading the money out to set yourself up for the future. Here are a few ways to make the most out of your bonus:

We’re excited to announce the launch of our new Summit Global Good Card®! The Visa credit card marks our new partnership with the World Council of Credit Unions and highlights our shared mission of bettering the lives of credit union members through financial empowerment.

It’s officially gardening season! Time to open the toolshed and throw on the gloves. If you’re a first-time gardener or just don’t want to break the bank to get organic vegetables on your plate, we have a few tips for you to garden on a budget and maximize your plants and your savings. Can you dig it? (Pun intended—sorry, we couldn’t resist.)

You’ve been saving up, paying down your debt, and you’re feeling like it’s time to buy your first home. Congratulations! We’re not going to lie – it can be a confusing process, especially if it’s your first time. But that’s where we can help. We’re here to guide you every step of the way, from getting started with a preapproval all the way to getting your keys.

Well, the holidays are (sadly) over. After all the delicious meals, great gifts and family dynamics, it’s time to get back into routine and think about accomplishing your goals for 2016. Below we’ve gathered several tips so you can give those resolutions your best shot and make this the year you “Own it!”