All posts in Useful Tips

Teachable Money Moments | Newark Firemen FCUAs a parent or guardian, have you ever wondered when it would be a good time to start teaching children about money?  The answer to that is as soon as possible!  If you think they are ready, you can start as early as two or three years old.  The concept for the first lesson you teach them can be as simple as, “You do not get something every time we go to the store.”

There are many concepts and activities you can do with your children, each one corresponding to a different lesson to be learned, as well as a timeline to see those lessons through.  The more time you take to teach them about using money wisely now, the more responsible you can teach them to be in the future.

For more information on making your own teachable moments, visit

Be Safe This Summer

Categories: Useful Tips
Be Safe This Summer | Newark Firemen Federal Credit UnionWith summer on the horizon, we must think about the activities that will come with it.  Camping, barbecues, trips to the beach and so on.  What we must remember, and share with our friends and family, are tips for summer fire safety.  Many accidents occur due to one careless act.  Everyone needs to be aware to reduce the risk of fire, whether at home or out in the woods.
During the summer, we are party to many fireworks displays.  Some people even like to have their own personal show in their backyard.  Due to the dangerous nature of fireworks themselves, the brilliant light shows we are able to enjoy are best left to the professionals.
Summer is also the perfect time for grilling!  It’s a backyard hobby that just about everyone enjoys and takes part in.  So let us all be cautious and follow some of these tips:
  • Do not wear loose clothing while cooking on the grill or barbecue.
  • Before using a grill, check the connection between the propane tank and the fuel line.  Make sure the tubes are not blocked.
  • Exercise caution when using lighter fluid.
  • Do not add lighter fluid to an already ignited grill or barbecue, as the flame can flashback up to the container and cause it to explode.
  • Dispose of hot coals properly by dousing them in plenty of water.

During the summer, camping is a pastime many people enjoy.  It is important to remember that we are taking up temporary residence in the home of many forms of wildlife.  In order to keep ourselves and the environment safe, the following tips should be adhered to:

  • Build campfires in a location where they can’t spread (away from grass and leaves).
  • Never leave campfires unattended.
  • Keep plenty of water and a shovel nearby to douse a fire when you’re done.
So, remember to be vigilant and help others to be aware of what they can do to keep themselves safe this summer.  For more information, feel free to visit the U.S. Fire administration website.

Holidays are Expensive – Save Money | Newark Firemen Federal Credit UnionHere are some money-saving tips to use this holiday season.

Instead of holiday cards, send postcards or letters. Postcards require less postage and letters are far more personal—and, these days, unusual. You can cut your old holiday cards in half and send the pretty half as a postcard. You might even make your own from card stock from the craft store.

Instead of wrapping paper, use magazine pages to wrap gifts. The comic section of your newspaper also makes nice wrapping paper. Children’s old artwork can make charming wrapping, or you and your children might create your own on plain paper. Large reams of packing paper are great for this. People in the process of moving usually have a lot.

Gift tags can be made, too, by cutting small pieces of matching wrapping paper and folding them in half. Writing the “To” and “From” on the inside of the paper and taping it to the wrapped present works great. This is also a good use for scraps of paper that are too small to wrap a gift, but too large to toss away. Cut-up, old Christmas cards make wonderful gift tags too. And if you sew, you could also use scrap material to wrap gifts.

For decorating the house, try food and other natural items. Pop some popcorn and string it up. Adding cranberries adds color. Gather up some pinecones and acorns and place them around inside. Sprinkling them with a few drops of pine-scented oil adds a great effect.

Movies are expensive. How about taking a drive around your town—or a different town—to see Christmas lights? This is less-expensive and everyone can talk to each other while sharing in the fun.

Get out the board games. Your children will love spending the time with you. If you don’t have many to choose from, maybe you can borrow a new game from a friend or neighbor who might have a closet full of them. Playing cards is always fun too. Even little children can play Go Fish. And you’ll be making memories. And remember to sing. Many churches and groups have sing-along get-togethers during the holidays.

If you have a fireplace, sit around a warm fire, or cozy up in the living room with blankets and hot cocoa. Tell family stories. Have everyone take turns saying how they have been blessed throughout the year. Being thankful puts you in the spirit. You might also check out a famous holiday book from the library and read it together as a family.

There are so many fun and exciting ways to celebrate the holidays while keeping costs low. Remember, it’s not about what you spend. It’s what you get to experience.