4 Holiday Budget Tips

The holidays are a magical time of year, but they can also be the most stressful. Family, food, shopping, crowds, and chaos abounds. Here are five tips to help manage the holiday stress by not breaking the bank.

  1. Limit Spending: Determine the number of gifts you are planning to buy, along with the total dollar you amount you plan to spend. This would include gifts for family, neighbors, co-workers, pets, friends, etc. Put a set dollar limit for each item. Use coupons whenever possible. You can also save by participating in a gift exchange, contributing to a group gift, or donating your time to local charity or non-profit.
  2. Price check BEFORE purchasing: Did you find the “perfect” gift for your friend, but it is over your set spending limit? Before you put the item back or enter the check-out line, do a quick price check with other retailers on your smart phone. Many stores will price match if you find a lower price or better deal elsewhere.
  3. Get creative: If you’ve got some skills in the kitchen or with art supplies, consider making gifts. Creating a homemade item can have deeper meaning because of your ability to personalize your item. You may surprise yourself with what you can do with items within your home. Mason jars, brownie or pancake mix with a little ribbon can go a long way to reducing costs. You’ll look like a champ by creating personalized gifts instead of overspending.
  4. Shipping COSTS: You will more than likely purchase some items online. Remember that the listed price rarely includes shipping. Watch for hidden fees like “wrapping” or “care and handling” fees in addition to traditional shipping costs. Do your research and seek out online retailers that provide “free” shipping.


Original article appears here.

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Float Member Service Representatives may have days scheduled at any location (Defiance, Bryan, Napoleon). Computer literacy is required and cash handling or banking experience is preferred.

Starting pay is $17.44 an hour
$19.62 an hour after 180 days of service
$21.79 an hour after 1 year of service

Please see the job overview for a list of duties. Resumes may be submitted to Sondra Manon at smanon@midcomm.org.

All are welcome. Midwest Community Federal Credit Union is an Equal Opportunity Employer.

Investment Representative

The primary purpose of this position is to assist Midwest Community Federal Credit Union by delivering outstanding service to both internal and external members. A key element of excellent service is to identify the financial needs of each member and recommend an appropriate credit union solution. In addition, receives members in person and by telephone. Helps Member Investors reach financial goals utilizing our consultative sales process. In addition, responsible for ensuring that outstanding service is delivered to both internal and external members. A key component of this service is to provide proactive guidance on investment solutions via a needs-based consultative selling approach to both current and prospective Members who have placed an inbound call or referral to the Investment Representative.

For more details, please contact lfrysinger@midcomm.org.

Midwest Community Federal Credit Union is an Equal Opportunity Employer.

Member Service Representative

Midwest Community Federal Credit Union is looking for a Member Service Representative to process transactions, accurately perform end of day balancing procedures, follow company policies and utilize the core data processing system and various software applications, including electronic banking services. We are seeking candidates who are punctual, honest, friendly, and have outstanding communication skills. Please see the job description for a full list of duties. Resumes may be submitted to Sondra Manon at smanon@midcomm.org.

Midwest Community Federal Credit Union is an Equal Opportunity Employer.

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