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Your family is about to expand - Congratulations! Your little bundle of joy will bring about many exciting changes - from your schedule to your budget. First will come diapers and bottles, then before you know it, soccer practice and class field trips!
But don't worry - Whether it's your first born or not, you probably know the value of taking it all one step at a time and planning for the future. That's where we can help.
With a little one on the way, you know you need to save for those unanticipated emergencies, but it's hard to do with the new expenses that come with a baby. Use our saving and spending calculator to help you organize your income and expenses, and decide what is feasible to put aside so you can have peace of mind.
For shorter-term, easy-access to money, our savings accounts are simple, with no monthly service fees and competitive returns. Along with a checking account, our Fast Cash Check/ATM card won't let you down when you need cash on the run, whether it's the late-night run for diapers (you were so sure there were extras in the closet!), or the last-minute fast food stop on the way to dance class. And with no fees at any Hibernia Abby ATM, you'll have convenience at your fingertips and your little one(s) will be grateful!
With all this talk on the costs of having children and the need to save, it's easy to feel overwhelmed! But there's a financial upside to raising children, too - the government offers great tax breaks to help families out. Our Tax Treats for Parents guide can show you what tax advantages are available, and how to take advantage of credits and deductions for you and your family.
For your longer-term needs, such as saving for private or parochial
schooling, college or even a wedding (time does go by quick!), we
can help you develop a solid investment strategy to meet your goals
for baby, even when he or she isn't so little anymore. Members Financial
Network can help you with your finacial goals. Or, if you feel comfortable
planning on your own, utilize our five step "Online Money Management"
workbook which offers expert advice, checklists, online references,
and numerous financial calculators.
Having a baby and growing your family makes financial security more important than ever before. for all. Be prepared and rest well at night knowing your insurance coverage is complete and protects your family. From life insurance to accidental death/dismemberment to even homeowners or auto insurance, the many types of insurance offered through our Member Financial Services program will have you covered.
Determining the type of or how much life insurance coverage is needed can be a little tricky. Start by educating yourself on the many available types of life insurance, and how much coverage you'll need. Then, when you're ready, get a quote today to start protecting your new little one.
A new baby just might end up meaning a new home for the family. If more space is in store for you, you'll want to start educating yourself on everything you need to know with our Home Buying Guide. It will 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, our new Home Center can show you the many terrific home financing options we provide - good rates and flexible terms got both fixed and adjustable rate mortgages.
If baby means it's time to trade in the sports car for something safer and roomier, our Auto Center can help you every step of the way, from getting the best price for your trade-in, to negotiating a great deal at the dealership, to saving money on auto insurance.
It doesn't always work out to save what you want; and oftentimes, extra expenses you didn't plan on come up unexpectedly. When that's the case, Shell New Orleans FCU offers a wide variety of low-rate loan options to minimize the cost of getting through the rough times.
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