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No one plans to get divorced when they marry. Despite the shock you may feel, know that we can help with at least the financial end of your concerns. Though an emotional time can make it difficult to think clearly about your finances, it's worth your time to get as organized as possible. Doing so will make the transition a little easier and will help you feel more in control.
It may feel as though there's no end to your list of what needs to be done - whether it's calls to make, things to pack or paperwork to complete. Being aware of your and your spouse's financial condition can help you to know what to expect and to prepare for when you're on your own. Sitting down to assess your current debt is an important first step.
At Shell New Orleans FCU, once you're a member, you're ALWAYS a member. Even if you became eligible because of your spouse, your membership remains with us AND is just as important as ever. We can walk you through the process of opening a new account in just your name so that you and your spouse can begin to separate your finances. And now may be a good time to refamiliarize yourself with all of our headache-free checking and savings accounts with low or no fees. Or, if you'd like to discuss the available options, call a live Member Service Representative today at (504) 728-4853, or toll-free (866) FOR-MY-CU (367-6928); or chat online right now by selecting Live Help. Once you determine the types of accounts you'll need, we can mail you a new account card; and when you complete and return it to us, we'll take care of the rest.
Even if you don't have access to a "pool of money" in an emergency fund now, you're probably aware of how important it is to have one. If it's not already started, now may be a good time to begin with your new financial arrangement.
You or your spouse will probably be looking for a new place to call home. With all that you have to think about, let us help you throughout the process to ease your worries. Start by brushing up on home buying basics with our "Home Buying Guide." It will literally walk you through each step of the process, giving you the knowledge needed to make the right decisions and put your mind at ease. It covers everything, from helping you figure out how much of a home you can afford, how the buying process works, to even giving you information on moving into and maintaining your new home. Then, once you're ready, visit our Home Center where you can finance your new home with great rates, flexible terms, and low fees on both fixed and variable rate mortgages.
Sometimes a one-vehicle family requires someone in the parting process to look for a new or used vehicle. We can help you from the beginning of the search to the end with finding, financing and insuring your new wheels. Visit our Auto Center to get the new wheels you'll need to get around on your own.
A change in your marital status can also mean changes in what needs to be insured. Shell New Orleans FCU offers a wide range of insurance plans through our Member Financial Services program to protect you and what you own. From life insurance, to accidental death/dismemberment, to even auto and homeowners insurance, we'll help you cover everything that's important to you.
Your marital status may have changed your income, and possibly your long-term goals. It may be a good idea to visit with John Mire, our financial management professional, to help you develop a new plan that accounts for the changes, and helps to insure you'll get what you want out of life.
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