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Prices are Soaring, But Where Can We Cut Back?

Jul 28, 2022

While we can’t change what’s going on in the world with inflation and rising cost, we can help you find ways to cut back spending and save you some money.

Get Started with BALANCE - A Financial Resource


At Peach State, we’ve partnered with BALANCE, a financial education and counseling service, to provide members with FREE resources for creating a spending plan that can help you save money during times of need.

Here are some quick ways you can easily get started stretching your dollars.

  • Pack a lunch instead of eating out.
  • Cancel unused subscriptions – you can always re-subscribe when you have extra cash.
  • Swap out name-brand items for a less expensive alternative.
  • Carpool when possible, to reduce gas costs.

Tackle Smaller Debts First

Underlining debt can be daunting, especially when everyday items become more expensive, and money is tight. There are easy ways to phase out smaller debts so you can keep more money in your pocket to pay for the items you need right now.

A great solution for reducing smaller debts is consolidating your outstanding credit card balance into one easy and manageable payment. By transferring balances from cards with high interest rates to a lower rate card, you could enjoy a more manageable monthly payment, save money on interest, and have more money leftover in your pocket for things you need right now.

Peach State offers a variety of Visa Credit Cards with fixed-rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!1 If you’d like to discuss these options to see how we may be able to help you save money, contact us or stop by a branch location near you.

To learn more about budgeting and ways to make your money go farther, visit peachstatefcu.balancepro.org/programs.

Woman pouring red lentils from paper bag into glass jars

Budgeting is a Positive Lifestyle Change

Learning to live within your means to make the most with what you have requires a little adjusting and adapting. With BALANCE, our members have access to FREE resources for budgeting, saving, financial adjusting, and goal setting.

Like anything else in this world, change happens and sometimes your finances need adjusting too. Understanding your budget and finding new ways to cut back will help you stretch your dollars even further.

Click here for complete details about Peach State’s Visa Credit Cards, including interest rates and disclosures.

1 APR – Annual Percentage Rate. The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new Visa credit card accounts only and may expire at any time; does not apply to account upgrades. If you are upgrading from a rewards card to a non-rewards card, then your points will expire at the time of the upgrade. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Rates range from 6.9% to 14.9%. A $15 application fee is charged for processing. Subject to credit approval.

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