Everyday Finance

Everyday Finance Blog

Everyday Finance is your go-to resource for navigating life's financial twists and turns. We'll share advice on buying a home, financing a car, paying for college, saving for retirement, and everything in between. At Towpath Credit Union, we aim to guide and educate our members, and Everyday Finance is just one of the ways we can help.


What To Grab And What To Skip In June 

Posted by Jeremy Wascak May 29, 2018 Categories: Shopping Summer
June is the month of sun-kissed beaches, dripping ice cream cones, backyard BBQs … and spectacular sales. There’s lots to celebrate this month, but June sales aren’t just for “dads and grads.” If you know what to look for, you can find great
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Five Things To Do Outside In Akron This Weekend 

Posted by Jeremy Wascak May 18, 2018 Categories: Akron
Looking to do something different this weekend in the Rubber City? Here's our short-list of options. 1. Stan-Hywet Hall & Gardens - If you haven't yet been, this is a must see. The 70-acre estate was the home of F.A. Seiberling,
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6 Ways To Turn Your Dream Vacation Into A Reality 

Posted by Jeremy Wascak May 09, 2018 Categories: Saving Vacations
You’re sipping a pina colada on a beautiful, white-sanded beach while watching the cerulean waves lap at the shoreline. You might be pulling muscles and riding high on adrenaline while scaling Mount Greylock, up in Massachusetts. Or, maybe you’re
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The 20% Down Myth 

Posted by Jeremy Wascak May 07, 2018 Categories: Millennials Mortgages
If you’re desperate to own a home of your own, you are likely saving up until you have 20% of your dream home’s total value. All that’s great, but the fact is you don’t need to put down 20%. The 20% myth is leftover from the era after
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Understanding Share Secured Loans 

Posted by Jeremy Wascak April 30, 2018 Categories: Credit Scores Loans
As a member of Towpath Credit Union, you already know we’re here to help you manage your money and let it grow in the best ways possible. That typically involves wisely using only the products and services best suited to your needs and
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How to Talk Money with Your Partner 

Posted by Jeremy Wascak April 27, 2018 Categories: Budgeting Saving
What happens when you and your partner have different approaches toward money? It’s a common scenario. One partner seemingly knows where every earned dollar goes, while the other is a carefree spirit who thrives on
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6 Ways To Avoid Getting Taken By A Car Dealer 

Posted by Jeremy Wascak April 26, 2018 Categories: Buying A Car Credit Scores
Purchasing a vehicle is an important life decision. Slow down, take your time, and do it right. You don't want to have buyer's remorse over any part of the transaction: the vehicle, the financing, or the process. 1. Do your research before
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Six Things That Do Not Impact Your Credit Score 

Posted by Jeremy Wascak April 23, 2018 Categories: Credit Scores
Monitoring your credit scores and reports has never been easier. With the free tools provided by websites likes Credit Karma and many credit card companies, getting help monitoring and understanding our credit is never more couple clicks
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Understanding Stock Fluctuations 

Posted by Jeremy Wascak April 17, 2018 Categories: Investing Retirement Saving Stocks
If there’s one constant in the stock market, it’s that the stock market is never constant. It will continue to fluctuate every single day. This means share prices are constantly rising and falling. Consequently, so do the market values of
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Real Mortgage Pre-Approvals 

Posted by Jeremy Wascak April 16, 2018 Categories: Millennials Mortgages
So, you are hoping to be pre-approved to purchase a home. Did you know that there are different types of pre-approvals? Some lenders pre-qualify you based on information you tell them, some ask for a little bit of documentation and issue a
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E-Budgeting 

Don't Make Budgeting Harder Than It Should Be!
Posted by Jeremy Wascak April 13, 2018 Categories: Budgeting Millennials
Budgeting is to personal finance what diet & exercise is to health. If you aren't deliberate​ about where your money goes every month, the chances of you getting out of debt, building an emergency fund, and preparing for retirement properly
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Why Do I Need To Get Pre-Approved For A Mortgage? 

Tips from Amanda, Our Mortgage Specialist
Posted by Jeremy Wascak April 09, 2018 Categories: Mortgages
Q: I'm in the market for a new home, and everyone I talk to, from friends to financial advisors, suggests I get pre-approved for a mortgage before I start house hunting. Why is this so important? A: You're actually on the
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Millennials Have Difficulty Leaving the Nest 

February 05, 2018 Categories: Credit Scores Millennials Mortgages Student Loans
Millennials, also known as Generation Y have had a difficult time leaving the nest. While there are different ranges given for their birth years, they can be roughly defined as those born between the late 1970's and the year 2000. Many define the
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Five Financial Reasons to Love Akron 

Posted by Jeremy Wascak May 08, 2017 Categories: Akron

Just as the founders of Akron’s rubber companies chose Akron for its unique economic advantages, there are plenty of financial reasons to love Akron today. Here are five!

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Will I Get All My Money Back from Home Improvements? 

With Guest Blogger Dawn Lawson
Posted by Jeremy Wascak May 05, 2017 Categories: Mortgages

One of the hardest concepts for homeowners to understand is that the market value of land is what appreciates while home improvements depreciate. It is understandable that people want to see a decent return on their sweat equity. However, taking the fair market value of their home and then adding on the money spent to update or maintain the property does not necessarily reflect a change in value.

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Why Staging Your Home is Important 

With Guest Blogger Dawn Lawson
Posted by Jeremy Wascak May 04, 2017 Categories: Mortgages

The more stunning your home, the longer the buyer will linger. I’ve even had people so in love with the condition of a home that they tried to figure out a way to make it work even though the home didn’t have their key features.

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Can Refugees Save a Town? 

Posted by Jeremy Wascak March 13, 2017 Categories: Akron

A few weeks ago the Christian Science Monitor ran an article about Akron written by Simon Montlake, a staff writer with the magazine titled "Can Refugees Save a Town?"

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The Parent-Child Student Loan Conversation You Need to Have 

Posted by Jeremy Wascak February 21, 2017 Categories: Millennials Student Loans

I understand you want your children to succeed. I acknowledge that education is the ladder that allows people to be upwardly-mobile in the workforce. I believe higher education to be very important for many reasons, and I want to see every student that is qualified and able to attend.

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