3 Ways to Spring-Clean Your Finances and Help Your Money Grow
March 12, 2026
Spring is a season of fresh starts, and a perfect time to revisit your goals, reset your habits, and make sure your financial life supports what matters most. To help you do that, our certified financial coaches recommend three simple, high impact ways to refresh your finances this season. And remember: our coaching sessions are completely free for Members.
1. Refresh Your Budget (or Create Your First One)
We know "budget" isn’t everyone’s favorite word—but think of it as a roadmap, not a restriction. A good budget simply helps you say yes to the experiences, celebrations, and priorities that bring joy to you and your family.
Spring also brings festivities like Mother’s Day, graduations, weddings, showers, and more. Reviewing your budget now gives you room to prepare for the events you love before they surprise your wallet.
2. Give Your Bank Accounts a Quick Spring Cleaning
A simple 20 minute review can uncover real savings. Look for:
- Unused recurring charges
- Subscriptions you no longer use or need
- Services or memberships that no longer align with your goals
You might be surprised by how much money you can free up with just a few quick clicks.
3. Make a Simple Plan for Your Tax Refund
Many Members tell us their tax refund "disappears" without a plan. Our coaches recommend dividing it into a few intentional buckets:
- Treat yourself (just a little!) with one fun purchase
- Save a portion to your emergency fund—even 20–30% adds up quickly!
- Pay down high-interest debt to reduce financial stress—and save money in the long run
- Set aside some funds for upcoming celebrations or summer plans
The key is to think ahead and be prepared for planned and unexpected purchases. A thoughtful plan ensures your refund helps you today and supports your longer-term goals.
Let Us Help You Plant the Seeds of Financial Success
As a Member, you can meet with any of our 100 certified financial coaches, at no cost, to get personalized guidance, set goals, and build a financial plan that fits your life.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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