Staying Out of Debt Game Plan

Getting out of debt is a huge win, but the real game-changer? Staying out. That means developing smart spending habits, mastering your budget, and building a safety net so life’s surprises don’t send you back into debt. Let’s break it down.

Take Control of Your Finances for Good

Strategies:

Smart Budgeting
Values Based Spending
Building Your Emergency Fund

Staying out of debt isn’t just about paying off what you owe—it’s about building smart habits that keep you financially secure. By practicing smart budgeting, values-based spending, and creating an emergency fund, you set yourself up for long-term success.

A strong budget helps you take charge of your money by ensuring every dollar has a purpose. Values-based spending allows you to align your financial decisions with what truly matters, so you're not wasting money on things that don’t add value to your life. And with an emergency fund in place, unexpected expenses won’t derail your financial progress.

When you make intentional money choices, you create stability, reduce financial stress, and gain the confidence to navigate life’s uncertainties. Small, consistent steps today will keep you debt-free tomorrow.

Smart Budgeting

Once you're out of debt, it's time to break the cycle once and for all. Read on for budgeting tips, saving ideas, and a variety of tools Members Choice has to help you on the path toward financial freedom.

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Values Based Spending

What truly matters to you? Spending aligned with your core values brings more joy and satisfaction than chasing fleeting trends. Discover how to prioritize purchases that reflect your passions and goals, leading to a more fulfilling and financially sound life.

Talk about how spending in line with your values creates more happiness and helps you get to living your good life.

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Building Your Emergency Fund

Life throws curveballs. A solid emergency fund is your financial safety net, turning potential setbacks into minor bumps in the road. Think of it as "wealth protecting money" – safeguarding your progress and peace of mind.

Learn how to build a fund that's right for you.

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At Members Choice Credit Union, we are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 80 years, we've been dedicated to empowering families across Houston, Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Join us in discovering your version of "the good life". Become a member today to unlock access to all member benefits.

All memberships and credit products are subject to approval, including credit approval. Federally insured by NCUA. Equal Housing Lender. NMLS#502619

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