In the March 2021 BrandStory Achieva Credit Union shares tips for getting your finances in shape. It’s hard to know what challenges might be on the horizon in 2021 that could affect your finances, but taking a few key steps now can help you be ready for whatever comes. Whether you’re holding steady financially or trying to bounce back from a tough year, here are two tips for getting on the right foot this year: Pay yourself first. Choose a percentage of your monthly income (1-5% or so) to go automatically into your savings before you make any payments. After a few pay periods, you won’t even notice it, and you’ll have built up an emergency fund. Clean up your credit. Pop quiz: What is your credit card’s Annual Percentage Rate (APR)? If you don’t know, you’re not alone. More than half of all Americans are in the dark on their APR. Review your statement, and consider switching cards or transferring your balance if you’re not happy with your current rate and save money in the long run.

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