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LCCC Employee Financial Wellness Resources: Home

Designed for LCCC Employees by the MyWellness Committee

Introduction

You can take some targeted steps to improve your sense of Financial Wellness. Here are some ideas and resources. Take a look at the topics that interest you now, or come back later to learn more when the information is relevant in your life.

Banking

Review your bank's online services and banking limitations.

  • Do they have an app that lets you turn off your debit/credit card to avoid fraud when it's missing?
  • Can you let them know you are traveling to another state/country so your purchases aren't flagged as fraudulent?
  • Are there limits on the number of monthly savings account transactions or daily debit/credit card purchases?
  • Do they offer credit card purchase protection?

Know before you go. 

Fraud and Scams

Know the signs and protect your family.
Losing money or property to scams and fraud can be devastating, and financial fraud has exploded during the pandemic. 

Consumer Finance Protection Bureau: Fraud Resources

Learn Money Smart

Learn at your own pace about the topics that matter to you. 
Improve your financial health with the FDIC’s Money Smart online tools. Watch the Money Smart Learn Video to explore the Computer Based Instruction (CBI) and Money Smart Podcast Network.

Read articles about topics that matter to you: 
The Federal Trade Commission (FTC) is the nation’s consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace. Topics include Money & Credit, Homes & Mortgages, and more.

Bankrate.com is more than just a way to compare bank rates, this site is a reliable source of short, informative articles and useful calculators.

Spending

Make a spending plan. 
Budgeting can be hard. Planning is natural, especially when you know how to adjust for the unplanned.

Review your statements for recurring payments.
Did you forget you signed up for a service you no longer need or use? Save $$ by canceling what you can. 

Use a budget app to manage your spending plan.
For recommendations, check out the More Resources tab at the top of this page.

Saving and Retirement

Pay yourself first!
Talk to your bank about automatically transferring a fixed amount to a savings account after every paycheck. Save for emergencies or something specific, like a vacation or special gift. 

Check the balance of your retirement account(s). 

Wyoming Retirement Systems

TIAA 

Take advantage of a Deferred Compensation Account.
If you've already done that, check the balance of your 457 account and consider changes.

Wyoming Retirement Systems Deferred Compensation

Teach the children in your life about saving.
Use these tips and resources from the ABA Foundation to help youth understand money concepts that will set them on the path to a smart financial future.

Youth & Money

Talk to a Financial Professional

Credit and Debt

Check your credit reports.
While you can usually check them for free once a year, you can do weekly checks through April 2022. Your credit score will not be affected when you check your reports.

annualcreditreport.com

Check the true cost of a credit card purchase before you buy.
How long will it take to pay off this purchase, and how much interest will you pay? Is it worth it?
How long will it take to pay off your existing balance? 

Bankrate.com Credit Card Calculator

Make a plan to paydown debt.
Like a snowball, build momentum and get the win. 

Nerd Wallet: What is a Debt Snowball

More Resources

To take a deeper dive into your financial wellness, take a look at the More Resources tab at the top of this page.

Subject Guide

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Dana McCammon
Contact:
Accredited Financial Counselor® |
Reporting & Support Specialist, Institutional Research
307.778.1169
Website