Free Resource: Track your spending online
Take advantage of our free JHFCU online budgeting tool! Similar to Quicken Online, FinanceWorks™ is part of our Internet Branch, and you can securely access it by logging into your account.
 Categorization is easier than ever
You can also see upcoming transactions and categorize your spending to better see where your money is going. You can even apply categories to past transactions.
Get organized at tax time
New Tax Watch report tracks your tax deductible expenses.
Get your complete financial picture
You can import balance and transaction data from non-JHFCU accounts to see your whole financial picture in one location — which makes budgeting and saving much easier!
Log into your account and click on FinanceWorks for a complete tour.
Free Resource: Need help with your budget?
As a member of JHFCU, you can take advantage of the Accel program, a free and confidential financial education and counseling program.
Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. Simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org. |
How can I reduce or
eliminate junk expenses? |
- Look for less costly alternatives to your current expenses.
- Use coupons and mail-in-rebates; wait for sales and comparison-shop.
- Pay off high-rate debt to reduce interest charges.
- Consider factory second, refurbished, or used items where practical.
- Do things for yourself that you previously paid others to do.
- Increase deductibles on insurance; reduce excessive coverage.
- Refinance or consolidate loans to lower rates.
- Follow utility companies’ recommendations for lower power and water bills.
- Contact phone, cable, and internet companies for better offers.
- Don’t delay vehicle service or ignore problems; reduce driving and car pool.
- Eat at home more often and pack lunches.
- Enjoy free or at-home entertainment.
- Get hair and hygiene services done at a cosmetic school.
- Avoid unnecessary or excessive fees on accounts and services.
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