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Title: Empeople Credit Union

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You don’t have to spend big to make the holidays special. A few smart financial habits and the right tools can help you celebrate without stretching your budget. 

Start a holiday sinking fund: Set money aside in a dedicated holiday savings account for gifts, travel, and other seasonal expenses.  Create a holiday budget: Plan for the entire season a...

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Holiday shopping can mean plenty of extra spending, from gifts for friends and family to travel and seasonal celebrations. But why not make your holiday spending go a little further with credit card rewards? 

Credit card rewards can help you earn cash back, accumulate points toward


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Scams are becoming an inreasingly common part of daily life: 58% of U.S. adults encounter suspected scam attempts daily, while 51% know someone who has lost money to a scam, according to a recent survey. 


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Key insights  Buy now, pay later (BNPL): Pay-in-4 plans typically offer fixed, interest-free payments, but usually don’t offer rewards or help build credit.  Credit cards: Paying in full can help build credit and may offer rewards, but carrying a balance can mean costly interest. Bottom line: Compare the total cost and benefits, and ...

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