Learn how to reduce your spending to cover priority expenses or save towards a financial goal.

Do you feel like you should have money left over at the end of the pay cycle, and are not sure why you don’t? Are you working towards a financial goal, but need more cash flow to achieve it? Join us to explore a variety of options to reduce the amount of money you spend in an effort to cover your priority expenses and reach your goals.

This month, learn how to determine your current spending, identify your ideal spending plan, and walk away with a variety of suggestions to consider as you look to reduce spending in lower priority categories.

Knowledge is power, and when you are empowered, you can lift your finances to new heights. Learn how to improve your financial wellness with FREE community workshops covering a variety of topics. Presented by Soarion Credit Union, in partnership with University Health Institute for Public Health, these monthly financial education workshops are designed to help individuals and families at any point in their financial journeys with no-cost information and resources. Each month will be a different financial topic.

FREE and Open to the Community! Join us at University Health Vida Center. Space is limited – reserve your seat today!

Enjoy complimentary light snacks and giveaways. For more info, visit soarion.org.

RSVP

Learn about the options available to young adults after high school and things to consider about managing money long term.

There are many decisions young adults face as they approach the end of high school and look ahead. Financial decisions are a big part of this “what’s next?” stage. This month, learn things to consider when making big decisions about college, trade school or entering the workforce; options to pay for higher education; managing money after graduation; and more! Young adults who want to prepare for life’s financial adventures, parents or guardians of young adults, and anyone entering the workforce or pursuing higher education are encouraged to attend.

Knowledge is power, and when you are empowered, you can lift your finances to new heights. Learn how to improve your financial wellness with FREE community workshops covering a variety of topics. Presented by Soarion Credit Union, in partnership with University Health Institute for Public Health, these monthly financial education workshops are designed to help individuals and families at any point in their financial journeys with no-cost information and resources. Each month will be a different financial topic.

FREE and Open to the Community! Join us at University Health Vida Center. Space is limited – reserve your seat today!

Enjoy complimentary light snacks and giveaways.

Register here

When disaster strikes, peace of mind often takes the biggest hit. In the aftermath, you may be grappling with more than just physical damage—you’re also facing the emotional toll of uncertainty, disrupted routines, and financial strain. It’s not just about what was lost, but how to regain a sense of control and rebuild your foundation, both financially and emotionally.

The road to recovery can feel overwhelming, but taking a few key steps can help you move forward with greater confidence and begin the rebuilding process.

Start With a Clear Financial Overview

• Document damage and loss. Take photos, save receipts, and note what’s repairable versus what needs replacing. That documentation will help with insurance and aid claims.
• List immediate expenses. Include essentials: alternate housing, food, medicine, etc.
• Track income and ongoing bills. Even after the storm passes, your utility, insurance, and loan payments won’t stop. Create a simple budget for the next 60–90 days to stay ahead.

Tap Into Available Aid and Insurance

• File insurance and FEMA claims. FEMA grants can provide important relief, but they’re often just a starting point. Between 2017 and early 2024, FEMA’s Individuals & Households Program provided an average of roughly $3,030 per household.
• Look into SBA disaster loans. After the 2017 hurricanes Harvey, Irma, and Maria, the U.S. Government Accountability Office reported that the SBA accepted about 340,000 disaster loan applications and approved approximately 141,000, issuing over $7 billion in loans to homeowners, renters, businesses, and nonprofits.
• Apply for emergency funds early. Even partial payouts help. If you’re approved, track usage carefully to avoid running out.
• Submit everything thoroughly and follow up with FEMA, SBA, and insurers. Even minor paperwork issues can delay support.
• Keep in mind: Relief program details may shift based on policy updates and funding levels—check official sources for the latest.

Build Back Stronger

• Rebuild your credit with care. If you need to borrow, start with trusted lenders and explore low-interest options from your financial institution. Avoid payday loans or other high-cost borrowing that can trap you in long-term debt.
• Review your insurance coverage. If you live in an area prone to flooding, wildfires, hurricanes, or windstorms, talk to your insurer about adding supplemental coverage. Adequate insurance is key to reducing financial risk in future emergencies.
• Prioritize rebuilding savings. If you dip into savings or retirement, work  to refill them gradually—your financial safety net matters long after the debris is cleared.
• Ask about credit relief. Some financial institutions may offer support in the form of eased terms on credit cards and auto loans, deferred payments, waived fees, or personalized recovery guidance.
• Lean on trusted help. Our nonprofit partner, GreenPath, offers complimentary financial counseling to help you navigate debt, modify your budget, and regain stability. Rebuilding after disaster is stressful—but you are not alone. 

Planning a move soon? You’re in good company. According to Zillow, June is the most popular month to move, with many families and individuals packing up during the summer to take advantage of better weather and school breaks.

Moving comes with more than just boxes and change-of-address forms – it can also be a major budget-breaker. The average cost of a local move is about $1,250, while a long-distance move can run upwards of $5,000, according to Forbes.

Ahead of summer’s biggest moving month, here are some common pitfalls to avoid.

1. Underestimating the Total Moving Costs

It’s easy to focus only on the cost of the moving truck or professional movers, however, there is a lot more to factor in. Think: packing supplies, utility deposits, cleaning fees, gas, meals on the go, and potential hotel stays. It adds up quickly.

Tip: Build a moving budget before you do anything else. Include a buffer for unexpected costs – it will save you stress down the road.

2. Not Gathering Multiple Quotes

Hiring movers? Don’t go with the first quote you receive. Prices can vary widely depending on timing, services, and distance.

Tip: Round up at least three estimates and ask about discounts – some companies offer deals for students, military members, or off-peak days.

3. Forgetting to Cancel or Transfer Services

Overlapping services (like cable, internet, or utilities) can cost you double if you’re not careful. Forgetting to cancel gym memberships or local subscriptions can leave you paying for things you no longer use.

Tip: Make a checklist of every service tied to your current address, and schedule transfers or cancellations at least two weeks in advance.

4. Skipping the Decluttering Process

The more stuff you move, the more it costs. Plus, hauling boxes of things you don’t use just makes unpacking that much harder.

Tip: If you have not used it in the last year, donate it, sell it, or toss it. You will save on moving supplies and labor – and your future self will thank you.

5. Not Accounting for Post-Move Expenses

It is easy to think the spending stops once the moving truck pulls away. Setting up your new home often comes with additional costs, like new furniture, cleaning supplies, and restocking your pantry or refrigerator.

Tip: Set aside a portion of your budget specifically for post-move purchases. Even just a few hundred dollars can help you settle in comfortably without resorting to credit cards.

Need Help Creating a Budget?

We partner with GreenPath Financial Wellness, a trusted national nonprofit, to offer free financial counseling and tools to help you manage life’s big transitions – including moving. Whether you need help building a budget, managing debt, or planning for your next step, GreenPath is here for you.