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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Kirtland CU branches and the Member Contact Center will be closed on Monday, February 19 in observance of Presidents’ Day.

Credit and debit card fraud is on the rise. Please monitor your account activity for any unusual transactions. >> Learn more

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

We're Invested

Retirement, investments, financial planning for every stage of life—learn about it all here at Invested,
a blog from your Wealth Management Advisors at Kirtland Financial Services.

Five Tips for Tackling Your Bad Spending Habits

By Kirtland Financial Services

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All of us have bad spending habits that we would like to change in order to take better control of our finances. Let’s explore five specific strategies for improving spending habits and pursuing real financial stability.

Create A Budget

The first step in improving your spending habits is to create a budget. This involves tracking your income and expenses to determine where your money is going each month. Once you have a clear understanding of your spending habits, you can identify areas where you may be overspending and make adjustments accordingly.

Cut Back on Discretionary Spending

One of the most effective ways to improve your spending habits is to cut back on discretionary spending. This includes things like eating out, entertainment, and impulse purchases. By setting limits on these types of expenses, you can free up money to put towards more important financial goals, such as paying off debt or saving for retirement.

Use Cash

Another strategy for improving your spending habits is to use cash for discretionary purchases. This can help you avoid overspending and keep better track of your expenses. When you have a limited amount of cash on hand, you are forced to make more intentional and thoughtful purchases.

Avoid High-Interest Debt

High-interest debt, such as credit card debt, can be a major obstacle to achieving financial stability. If you have outstanding balances on credit cards or other high-interest loans, make paying them off a top priority. This may involve making sacrifices in the short term, but it will pay off in the long run by reducing your overall debt burden and freeing up money for other financial goals.

Seek Professional Help

If you are struggling with bad spending habits or other financial challenges, don’t be afraid to seek professional help. Financial professionals, credit counselors, and other financial experts can provide guidance and support to help you improve your finances and pursue your goals.

Improving spending habits is an important step towards financial stability and security – so you can take control of your finances and build a better financial future.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

This article was prepared by FMeX.

LPL Tracking #1-05365080

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