increase your cashflow during the pandemic · increase your cashflow during the pandemic sarah...
TRANSCRIPT
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INCREASE
YOUR
CASHFLOW
DURING THE
PANDEMIC Sarah Scruggs, Community Engagement Specialist
Migdalia Gomez, Community Engagement Manager
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75%
76%
TODAY’S
WEBINAR Reducing background noise
Using the “Questions” feature
Format
Handouts & Resources
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REDUCE /
DEFER EXPENSES
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REVIEW (CREATE) BUDGET
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USE BUDGETING TOOL
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• Minimize Expense
• Need versus want
• Refinancing
• Defer Expenses
• Federal Student Loans
• Skip-A-Pay
• Utilities
LOOK FOR
LOWER
RATES
REVIEW
EXPENSES
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75%
76%
GREENPATH
FINANCIAL
WELLNESS
Empowering people to lead financially healthy lives.
• Free for HUECU community
• Budget counseling
• Credit report review
• Covid-19 support
• Immediate counseling
• Confidential
• Flexible Hours
Monday –Thursday 8 am - 10 pm
Friday 8 am - 7 pm
Saturday 9 am - 6 pm
HUECU.org/GreenPath
877-337-3399
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REFINANCE
EXISTING DEBT
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• Lower rate
• Reduce Payment
• Longer/shorter term
• Benefits/Service
WHY
REFINANCE?
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KNOW YOUR RATES
And monthly payments.
Visit www.HUECU.org/HUB for this and other handouts.
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AUTO LOANS
• 2.99% for 60 months
• No payment for 60 days
• Apply Online
• Recent paystub
• 10-day Payoff Letter
• Insurance Binder
huecu.org/auto-loans/refi-special/
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CREDIT CARDS
• New Card
• 0.00% Intro APR on purchases and balance transfers* for first 12 months
• 2.00% Balance Fee
• Apply Online
huecu.org/credit-cards/compare-cards
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89%
81%
76%
MORTGAGE
REFINANCING• Rates at Historic Lows
• Rate Page & Rate Watch
• Dedicated Mortgage Loan
Originator
• Apply Online at
huecu.org/home-loans
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EDUCATION LOANS
• Federal and/or Private Loans
• Fixed and Variable Rates
• Fixed as low as 4.50% APR
• Variable as low as Prime
• 5, 10 and 15 Year Terms
• Apply Online at
huecu.org/student-loans
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INCREASE
CASHFLOW
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• Personal Hardship Loan
• Up to $25,000 for 60 months at
4.99% APR
• HUCTW Housing Emergency Loan
• $3,000 for 12 months at 0.00% APR
• Apply Online at
huecu.org/financial-support
PERSONAL
LOANS
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HUECU.ORG/COVID-19-HELP
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75%
76%
1. Know Your Current Situation
2. Set Your Goal
3. Compare Your Options
4. Take Action
5. Reevaluate Periodically
NEXT STEPS
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BLOG.HUECU.ORG
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@myhuecu