Temporary Branch Closure - Wednesday, June 22 - 70 West Hedding Branch is closed today. We appreciate your understanding.
Find the nearest branch or ATM.
Phone Banking System Maintenance: On Tuesday, May 31st, we’ll be performing scheduled maintenance for approximately 30 minutes, starting at 10:00 p.m. PDT and ending at 10:30 p.m. PDT. During this time, you won’t be able to access your account information over the phone. Online Banking Services will still be available. Thank you for your patience as we update our systems to better serve you.
Find the nearest branch or ATM.
Notice: Due to an outage, Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
Find the nearest branch or ATM.
All County Federal offices and branches will be closed on July 4th, in observance of the Independence holiday.
Find the nearest branch or ATM.
Protect Your Information! Be Aware: County Federal will never call or text to ask for your online banking credentials, password, or debit card number or pin code.
Find the nearest branch or ATM.

How to Make a Vacation Budget You Can Keep

jar with paper currency and coins sitting on map with model commercial jet on passport in background

How to Make a Vacation Budget You Can Keep

Summer is here, and it’s time for your getaway!

While it’s great to get away for some fun in the sun, sticking to a budget is a must, even when on vacation. This year, attack your vacation with a financial plan you can actually keep by following these tips:

Rethink vacation

Before you start working on a vacation budget, consider an alternative to a conventional getaway that can provide an escape from real life without the prohibitive price tag.

  • Staycation: Spruce up a spare bedroom with scented hand towels and mini soaps and shampoos to give it a hotel feel. Sleep there during your “vacation” and spend your time trying out local attractions, festivals and restaurants you’ve always wanted to experience.
  • Swap houses: Have friends or family who live out of your area? Ask about switching houses for a week. Then, you can all get an inexpensive vacation.
  • Camping: If you have camping gear or can borrow it from a friend, camping can cost next to nothing. It can also be a fantastic way to enjoy a rejuvenating break from the grind of life.

Create a budget

  1. Review your savings: If you’ve been steadily saving up for this vacay, you’ll know how much you have to spend. If you haven’t saved anything, consider an unsecured loan through your credit union and/or saving up until your vacation by trimming your discretionary expenses.
  2. Prioritize: Before assigning dollar amounts to categories, pick what’s most important to you while on vacation. List your priorities from most to least important for future reference.
  3. Assign dollar amounts to big-ticket items: Choose and price a destination. Set aside money from your budget to cover what it takes to get there, as well as accommodations.
  4. Divide and conquer: Now, assign a realistic dollar amount to your remaining categories. Include food, tickets to entertainment venues and attractions, gifts and souvenirs, transportation costs, and pack in some “miscellaneous” money for unplanned expenses.

Stick to your budget 

Now comes the hard part: sticking to your budget while on vacation.

  • First, consider using cash. You’ll be forced to stick to your budget with no way to overspend. Just make sure you plan for how to keep it secure at all times.
  • Next, make advance reservations when you can. This way, you have fewer spending choices for when you’re actually on vacation.
  • Finally, keep a copy of your vacation budget handy while you’re away so you can pull it out whenever you come up against a spending challenge.

Don’t let your budget go on vacation!

Content Source: CUContent

NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
cross