Are your coworkers and loved ones still banking at a bank?

Paying high fees for services they could be getting free at our credit union? Paying higher loan rates when they need a car or home equity loan? Share the benefits of Broward HealthCare FCU! Once they discover how much money they could be saving on financial services they will love us too. AND you can each earn some easy cash too.

$25 for You • $25 for Your Friend

You’ll each receive $25 when your referral becomes a member and opens a qualifying account (savings and checking OR savings and a new loan/credit card minimum $2,500). Rules for receiving the bonus are on the attached Referral Form.

Pass along the benefits of banking at your credit union. The more people you refer who join, the more money you earn! Hurry, promotion ends November 30, 2022.

Bank on Your Credit Union

REFERRAL FORM

Pass along the benefits of banking at your credit union. The more people you refer who join, the more money you earn! Hurry, promotion ends November 30, 2022.

Current Member’s Name *

New Member’s Name *

Submit

Email

Please Note: Accounts must be opened during promotional period, October 1 - November 30, 2022 and subject to approval. New Checking accounts must be an active checking account, with direct deposit of at least $750 per month and regular usage; loans and credit card balance transfers must close by November 30, 2022. Qualifying accounts will receive incentive deposits into primary share account with at least a minimum share balance of $50 by January 31, 2023. If any account is closed or inactive and/or direct deposit stopped within 90 days of incentive deposit, incentive will be forfeited. Accounts include credit cards, any loan, checking account and share savings account. Not valid for new accounts opened for existing members, must be 18 years or older to qualify. All bonus amounts paid on checking or savings account will be reported to the IRS as a dividend earned. Federally insured by NCUA.

Summer Spending Without the Stress
How to Enjoy the Season While Staying Financially Healthy 

Summer is a time for vacations, family outings, celebrations, and making memories. However, it can also become one of the most expensive times of the year if spending is not managed carefully. Between travel, dining out, summer camps, childcare, entertainment, and rising utility bills, seasonal expenses can quickly add up and place pressure on household budgets. The good news is that enjoying summer does not have to mean overspending. With a little planning and intentional decision-making, individuals and families can make the most of the season while maintaining financial stability.

Create a Summer Spending Plan

One of the best ways to avoid financial stress during the summer is to create a seasonal spending plan. Instead of relying on credit cards or making impulse purchases, estimate summer-related expenses ahead of time and set realistic limits for categories such as:

• Travel and vacations
• Summer activities for children
• Entertainment and dining out
• Gas and transportation
• Seasonal shopping

A spending plan helps prioritize what matters most and reduces the likelihood of overspending.

Focus on Affordable Fun

Many enjoyable summer activities are low-cost or even free. Community events, local parks, beaches, libraries, outdoor movies, and neighborhood festivals can provide entertainment without stretching the budget.

Families can also save money by:

• Planning picnics instead of restaurant outings
• Hosting potluck gatherings
• Exploring local attractions
• Looking for resident discounts and free admission days

The goal is to focus on experiences and connection rather than expensive purchases.

Be Smart About Travel

Travel costs tend to increase significantly during the summer months. Booking early, traveling during off-peak days, and setting a firm vacation budget can help control expenses.

Travelers should also:

• Compare hotel and airfare prices
• Consider road trips or staycations
• Use rewards points when possible

Avoid financing vacations with credit cards unless they can pay balances quickly Returning from vacation with debt can create long-term financial stress that lasts well beyond summer.

Watch Out for Lifestyle Inflation

Summer often encourages more social spending and impulse purchases. It is easy to overspend on clothing, dining, entertainment, or upgrades simply because others are doing the same.

Before making unplanned purchases, ask:

• Is this within my budget?
• Will this expense affect my savings goals?
• Am I spending out of necessity or emotion?

Being mindful of spending habits can help maintain financial balance throughout the season. Continue Saving During Summer Even during busy months, it is important to continue contributing to emergency savings and long term financial goals whenever possible. Small, consistent contributions can help maintain positive financial habits and prevent setbacks later in the year.

Summer should be a season of enjoyment, not financial stress. By planning ahead, making intentional choices, and focusing on meaningful experiences, individuals and families can create lasting memories while protecting their financial well-being.

Financial wellness is not about avoiding fun — it is about enjoying life responsibly and confidently.