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Flex Your Spending Muscles Wisely QUARTERLY FINANCIAL INFORMATION FOR ONE NEVADA CREDIT UNION MEMBERS Flex your spending muscles wisely bQ1-2019-Focal Point Magazine-PRESS.indd 1 1/17/19 6:31 PM Spend Wisely with REWARDS AND DISCOUNTS Your membership helps you spend wiser with access to a variety of rewards and discounts. Some are right at your fi ngertips in our Mobile App. Others are just a click away on the website. One Checking Rewards Love To Shop Our most popular account. Earn unlimited cash back on Earn cash back with Love to Shop. A fun and easy way for you to all your signature-based debit card transactions. Redeem earn cash back when you shop online at over 1,500 of your favorite your rewards monthly by logging in to online banking, stores. To learn more about Loveve to Shop and to register for frefree, clicking One Checking Rewards, and then “Redeem.” visit LoveMyCreditUnion.org. Ca$h Perks Shop your favorite spots, we’ll pay you cash back. Our Sprint® free Ca$h Perks program off ers you rewards based on where you shop every day with your One Nevada debit or credit Get $100 for every new line with Sprint. card. Search “Ca$h Perks” at onenevada.org for details. Plus $100 Annual Loyalty Cash and 25% off accessories. Love my Credit Union Rewards off ers the Sprint discount and many more ways to save while you shop. VISIT onenevada.org/member-resources/member-discounts/, and look for the Love to Shop, Sprint, and more member discounts. bQ1-2019-Focal Point Magazine-PRESS.indd 2 1/17/19 6:26 PM Point Focal CONTENTS Greetings, Fellow Members! Flex your spending muscles It’s a new year, and all of us here wisely at One Nevada wish you and your Page 3—4 family a year full of health and prosperity. If you’re like many people, Resolve to spend wiser you probably put a renewed focus Page 5—6 on a few areas or made some resolutions to kick start your new year. Here at One Member Profile Nevada, we’ve renewed our focus on inspiring Nevadans to build their financial strength, starting with you, our Randy Kennedy Director of Marketing Communications members. Nugget Casino Resort During 2019, the Focal Point will bring you real Reno, Nevada financial knowhow that helps you make the best Page 7–8 decisions for your family. Throughout the year, we’ll cover the four foundational principles of your financial well-being: spending wisely, borrowing sensibly, saving Ponder before you purchase diligently, and planning thoughtfully. Page 9–10 In this first Focal Point issue of 2019, we’re focused on that first pillar; spending wisely. Take a run-through Eight ways to avoid the this issue and discover smart spending tips to avoid having those new year’s resolutions break your budget, Valentine’s Day spend hangover learn things to consider before you make a large Page 11 purchase, and even get some ideas on how to avoid a Valentine’s Day spending hangover. Serving the Community From all of us at One Nevada, we thank you so much Page 12 for your continued membership, and we look forward to helping you build your financial strength and stability in the year ahead. Did You Know? Employee Focus Best wishes, Page 13 Paul Parrish, President/CEO One Nevada produces Focal Point quarterly as a service to you. Our goal is to bring you real financial knowhow that helps you be financially well. Copyright ©2019. One Nevada Credit Union. All rights reserved. Reproduction, in whole or in part, without written permission is prohibited. Insured by NCUA. Equal Housing Lender. FOCAL POINT TEAM Deborah Colby, SVP-CHIEF MARKETING OFFICER Send comments and suggestions to: One Nevada Credit Union — Focal Point Jennifer Salvador, AVP-CONTENT AND PRODUCTION 2645 South Mojave Road Jake Ludens, AVP-DEMAND GENERATION Las Vegas, NV 89121 Lisa Jansen, AVP-COMMUNITY ENGAGEMENT [email protected] Jara Pearson, DIGITAL MEDIA STRATEGIST For address corrections, please speak with a Financial Service Representative or call us. Greg Pace, SR GRAPHIC DESIGNER To find a branch in your area, go to Toni Flowers, MARKETING OPERATIONS COORDINATOR OneNevada.org or download our mobile app. bQ1-2019-Focal Point Magazine-PRESS.indd 3 1/17/19 6:27 PM 3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2019 bQ1-2019-Focal Point Magazine-PRESS.indd 4 1/17/19 6:27 PM Nearly 6O% of Americans Struggle Financially OUR RESOLUTION? YOU DON’T HAVE TO BE ONE OF THEM. ONEY SOLVES EVERYTHING, RIGHT? We’re talking about far more than the typical If we simply made more money, then we’d financial education. We’re talking about actions pay our bills on time, be able to afford you can take and tools you can use to put you in M the things we need and want, and have control of your money. enough for retirement. Here’s the tough news. Historically, when we make MONEY MANAGEMENT PRINCIPLES more money, many of us don’t pay off bills or save it, It all starts with the four foundational principles we spend it. Often on things that we want, but may of financial well-being. not necessarily need. • Spend Wisely That’s because many of us learned spending habits • Borrow Sensibly that have our money controlling us rather than us controlling our money. If you’re in this category, you’re • Save Diligently not alone. • Plan Thoughtfully Research from the Center for Financial Services In each issue of the Focal Point this year, we’ll do Innovation tells us that over half of all Americans have a deep-dive into one of these principles and bring difficulty paying their bills and nearly a third of us have you information, tools, and advice that can help less than $1,000 saved for retirement. One Nevada you create strong money management habits. would like to help change that. In this first issue of 2019, we’re focusing OUR RENEWED FOCUS on Spend Wisely. Some of the articles in this As we embrace 2019, we have a renewed focus on quarter’s magazine will cover topics such as inspiring Nevadans to build financial strength one hacks to avoid over spending on affordable decision, one action, one step at a time starting with resolutions, buying smart on large purchases, and you, our members. even tips from our very own controller who helps Throughout 2019 and beyond, we intend to bring your credit union spend wisely. You’ll also enjoy you real financial knowhow, realistic steps you can meeting a fellow member and learn how he’s take, and smart moves to implement to help you build wise with his personal spending and budget. your money management muscles. ONENEVADA.ORG | Q1 2019 4 bQ1-2019-Focal Point Magazine-PRESS.indd 5 1/17/19 6:27 PM Resolve to Battle the bulge Get more exercise. Eat QUIT SMOKING GET MORE EXERCISE We get it, it’s easier said than done, Retailers have Black Friday in healthy. Quit smoking. and let’s face it, it’s hard to kick any November; gyms have it on January These are the bold bad habit. We’re not here to lecture 2. Many of us are trying to shed you on why you should quit or how the holiday pounds by spinning, boasts of New Year’s bad it is for your health. You already swimming, and sweating. The resolutions. know that. But like any good friend rewards are substantial; healthier might tell you, this is not a wise way people tend to live longer and even Annually, many of us change to be spending your money. Just look spend less each year. our lives at the start of the at how it adds up. Before you dive into an expensive gym membership, be honest with calendar year. This year, why A pack of cigarettes in Nevada is $6.15. yourself. If you aren’t going to use Amount saved in a year: $2,244.75 not resolve to spend your it, and your monthly fee is going to Amount saved in 10 years: $22,447.50 money more wisely. become a donation to your local gym, Let’s look at some of the That could be a down payment on a consider making a donation to a local most often made New Year’s car or even a house, and the savings charity instead. Here are a few other resolutions and how to could be even higher with an interest and cheaper ways you can get in bearing or retirement account. So shape for less: translate them into personal before you buy your next pack, ask finance resolutions. yourself “could I be using this money more wisely?” The answer is yes by the way. Need tips on how to quit? Visit cdc.gov for tips from former smokers. 5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2019 bQ1-2019-Focal Point Magazine-PRESS.indd 6 1/17/19 6:27 PM Spend Wiser in your budget Youtube – Search Youtube for tons Just move – Short on time? Get up own lunch for work. You’d be surprised; of free workouts from body weight from your desk and take a stroll packing a healthy lunch is still cheaper exercises, to weight workouts around the building, take the stairs than eating out every day. If you want to and even yoga. There are some when available, or park your car take it a step further, track your calories subscription based plans as well, but a little further from the entrance.
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