Step 11 of 12 Steps to Financial Wellness-Start Investing

The world of investing can be vast and confusing, especially to a first-timer. There are so many decisions to make, and each one carries with it the risk of loss, or the promise of growth for your money. No worries, though; We FloridaFinancial can help! Here’s how to start investing in five easy steps.

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Don’t Get Caught in an Election Scam

Election scams

Democracy is a privilege and a responsibility that is upheld in this great country by the election process. Unfortunately, though, scammers are out to hijack this process and wreak havoc throughout election season with various ruses and schemes. Here are three scams to watch out for this time of year.

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Cash, Credit, or Debit – How Should I Pay?

Cash, Credit, or Debit – How Should I Pay?

Q: With rising inflation, I want to spend my money in the best way possible. When paying for various everyday and occasional purchases, should I be using cash, credit or debit?

A: There’s a time and place for everything. Some purchases should be paid for with cash, some with a credit card, and others with a debit card. Your lifestyle and personality may influence this choice as well. Let’s take a closer look at each payment method and when they should be used.

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What to Buy and What to Skip in September

what to skip and what to buy in sept

Get ready for savings on big-ticket items this month! Retailers are looking to bring the crowds back after the big back-to-school storm has passed, and bargain prices are always a great way to attract shoppers. They also need to clear shelves before the holiday season blows in with its shopping frenzy. Add in the Labor Day sales that kick off the month, and it means big savings during September – but not on everything. Here’s what to buy and what to skip in September. 

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Beware of the McAfee Scam

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Recently there has been an uptick in scams involving McAfee. In this scam, there is an email purported to be from McAfee, which is a well-known leader in online protection. The email involves the following:

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What Rising Prime Interest Rates Mean for You


interest changes

If you read financial headlines, you’ve no doubt seen the news that the Federal Reserve is raising interest rates. These headlines can be accompanied with all sorts of hyperbole about the end of the stock market, the boom of bonds or any of a dozen other possible predictions. It’s easy to get overwhelmed when there’s this much information and so much of it is conflicting. Let’s set the record straight on what rising prime interest rates mean for you.

The prime interest rate is the rate that the Federal Reserve charges financial institutions to borrow from it. It influences a lot of other financial prices. Many of these are only of concern to investment bankers, professional investors and other economic enthusiasts. Here are some key ways the prime rate hikes can affect you!

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How to Successfully Pay Yourself First

pay yourself first

 Now is the right time to start perfecting the art of saving.

“Pay yourself first” is a catchphrase that means prioritizing your personal savings above other expenses. Savings should not be an afterthought or an extra that only happens if there’s money left over at the end of the month. Putting aside money should be a fixed line on your budget that happens every month without fail. 

Here’s how to successfully pay yourself first.

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Don’t Be Fooled by These 6 Government Impostor Scams

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Government impostor scams decreased in 2021 after peaking during the pandemic, but scam victims still lost twice as much money that year to fake government agents, according to new research from the Better Business Bureau (BBB).

With government impostor scams, someone claims they’re with a government agency so they can swindle money or personal information from unsuspecting victims.

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What to Buy and What to Skip in July

July Shopping - Things to skip & to buy

The Summer is here and you’ll be making lots of purchases with your debit and credit cards to prepare for your vacation getaways, family outings, and events with friends. So you can get enough bang for your buck, We Florida Financial has put together the below list of items our South Florida credit union members should buy and skip this Summer:

Buy: Patriotic items

Pledge your allegiance along with your favorite retailers when buying almost anything under the sun in red, white and blue. Of course, you’ll also find discounted fireworks and July 4th decor, which can be stored for next year’s Independence Day festivities. 

Skip: Sunglasses

If you need a new pair of shades, you’re best off waiting a bit before springing for a new pair. Sunglasses are still retailing at full price this month, and won’t start to see discounts until September. For even steeper savings, pick up a new pair of shades in October. 

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Should I Use a Credit Card at the Pump?

Car filling up at a gas station

Q: Is it a good idea to use my We Florida Financial credit card to pay for gas?

A: People commonly use their debit cards or pay in good old-fashioned cash when filling up on fuel, but there are several advantages to using a credit card to pay for gas. Here are four reasons our members should use your credit card to pay at the pump. 

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4 Tips For Preparing a Post-College Budget

Donut Worry! Prepare your post-college budget now!


Leaving college often means the start of a new job, new living arrangements to pay for and other new expenses to cover. All of this means your finances will likely need an overhaul. It’s time to create your post-college budget.

If you’ve been working with a budget throughout college, you’ll already have the concept down pat. You’ll want to rework the numbers to incorporate your new expenses, as well as your new salary. If you’ve floated by on a wing and a prayer while in school, you’ll have to start at the very beginning as you build a workable budget to manage your finances.

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Is it a Good Idea to Open a HELOC Now?

woman laying down on the floor with a variety of home improvement tools surrounding her.

If you’re looking to fund a home improvement project, consider tapping into your home’s equity with a home equity line of credit, or a HELOC.

What is a HELOC?

A HELOC is a revolving credit line allowing homeowners to borrow money against the equity of their home. Borrowers can withdraw money as needed during a set amount of time known as the “draw period,” which generally lasts 10 years.

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Don’t Get Caught in a QR Code Scam

QR Scams Blog - person scanning a QR code on their cell phone.

Scammers are always dreaming up new ways to con people out of their money. Recently, they’ve figured out a “quick” way by hijacking QR codes. Here’s what to know about QR code scams and how to avoid them. 

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Pay Down Debt Without the Help of Mom’s Wallet


Consumer debt can be one of the biggest challenges to financial wellness. With some intentional action and commitment, reaching true financial wellness is possible!

Here’s how to pay down or off your debt in five simple steps:

  1. Organize your debt

List every credit card you own along with an outstanding balance. Jot down the amount owed to each card issuer. Next, list the interest rate of each card. Repeat these steps for other loans you may have as well. 

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Air & Sea Show Drop Zone Beach

April 30th and May 1st - We Florida Financial sponsoring the Drop Zone Beach which features everything you need for a hassle-free and memorable air show viewing experience. Portable restrooms with hand sanitizing stations right on the beach and reserved just for the use of Drop Zone guests. Food, water, soda and beer are available for purchase on the beach so you never have to deal with any crowds or miss out on the aviation spectacle going on in front of you.

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8 Myths About Credit Unions

Women shaking hands at a credit union while becoming a member

How much do you know about credit unions? Test yourself on these 8 myths: How many did you believe until today?

Myth #1: You must meet strict eligibility requirements.

Fact: While credit unions do require that members meet certain requirements to satisfy a common bond, many of these are broad, and few of them truly limit membership.

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All You Need to Know About Auto Loans

Auto Loan Blog 2

If you’re in the market for a new car or truck, you’re likely also shopping for an auto loan. Your auto loan will affect your monthly budget for the full term of the loan, so it’s important to do your research and make an informed decision before finalizing it. Here’s all you need to know about auto loans and how to choose the one that’s best for you. 

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Watch Out for These 6 IRS Tax Scams

IRS Scam

Tax season is stressful enough without adding vulnerability to identity theft to your list of things to worry about. To keep your sensitive personal information safe, however, you should be a little worried, though – or at least alert and informed enough to know a tax scam when you see one.
Tax scammers have several common tricks they use to lure taxpayers into handing over personal information that can be used for identity theft. Knowing what to look for is key to avoiding tax scams this tax season.

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