June is recognized as National Homeownership Month. As of late, our homes have turned into not only the place we spend the most time relaxing with family, but also places of work, playgrounds, schools, and gyms. It’s not news to anyone that we as a society have spent much more time at home over the last year and a half than ever before. It only makes sense then, to make sure you absolutely LOVE the space that you’re spending so much time in!
Cleaning up clutter.
Clutter can have a negative affect on your overall health! Messy spaces are stressful and can make life more difficult than it needs to be (if you keep losing your keys, keep reading!). Studies show that some people who live in cluttered homes have worsened working memories.
If you’re feeling overwhelmed with clutter at home, start by cleaning one space per day! Pick a room for each day of the week and focus on that room for that day. Open any closet doors, drawers, cupboards, etc. and let them hang wide open while you work. Get rid of (throw away or donate) anything that doesn’t bring you joy! This can be hard to do, but if you haven’t handled the item (used it, wore it, played with it, looked at it) in over a year, it’s safe to say it can go!
Once you’ve cleared out the clutter, you’ll have extra space to reorganize the belongings that you decided to keep. While you’re reorganizing – grab some cleaning wipes or a dishpan with warm water and clean as you go!
The last thing to do as you finish up the room is the floor! Sweep and mop or vacuum, and don’t forget to use the crevice tool to get the hard-to-reach corners!
Clear out the kitchen.
Your kitchen can follow the same pattern as the clutter clearing above, but you might need more than one day. Make sure to go through your pantry, spice rack, freezer, and refrigerator and throw out any expired food (or donate if it is non-perishable). Toss out any broken or un-usable utensils, and plan to donate any kitchen gadgets that you just don’t use (looking at you, potato masher).
Reorganize your pots and pans, your plates and dishes, your cups and mugs, and clean those spaces as you go!
Add some light!
Poor lighting, dark corners, and shadows can make a room just feel gloomy or feel cluttered when it is not. Open up some curtains or invest in curtains that let more natural light in but still provide privacy. If natural light isn’t an option, add some aesthetically pleasing lamps or string lights to your space!
Add some nice smells!
Think about how nice it is to walk into a space that just smells good. Find some wax melts or automatic room sprays that smell great and get them set up! There are several inexpensive options. If you opt for candles, just do so safely and never leave a lit candle unattended.
Sometimes this one can be tricky, but if you’re able to rearrange your furniture, the change will feel great! If you have too many pieces, it might be time to sell or donate a chair or end table. Get creative and think of new ways to create a better flow to your living spaces! Think of ways to arrange bedrooms, too!
There is so much that you can do to update the aesthetic of your home without spending anything, or by spending very little! Adding new lights, a couple houseplants, and freshening up paint are great inexpensive ways to update your home without having to break your budget. But if you are ready to do some major upgrades, NorthRidge is offering a great promotion on home equity lines of credit! Find out more by clicking here!
Happy Pride Month!
May is Mental Health Awareness month. The years 2020, and now 2021, have brought unique circumstances into our lives. This has caused major disruption in the way we live, work, and socialize. It comes with no surprise that mental health is declining around our communities. For some people, it is the first time they have experienced anything like it. Where do you turn and how do you get help?
Mental illness can be scary; but you are not alone, truly. One in four adults will experience some form of mental illness in their lifetime. With such a large part of the population facing these struggles, we should not be afraid to talk about it. Never be afraid to talk about your mental health, because you might be the light that gives someone else their own voice to talk about it. Open discussions eliminate stigmas and stereotypes. You wouldn’t hide or brush off a broken bone or other serious physical ailment, so your mental health should be just as much of a priority.
If you want to be an advocate, Community of Hearts has a great advocacy training course online that takes about 1 hour and it is a great way to get started! Click here: Community of Hearts – Home
“A mental health advocate is anyone who is a voice for those suffering from depression, anxiety, or any other disorder – who hopes to disseminate a message of hope and support.” -Theresa Barchard
While not an exhaustive list, here are some resources if you or a loved one needs support:
For immediate help:
National Suicide Prevention Lifeline, immediate support when you’re in a crisis or distress, additional help to finding resources. Available 24/7: Call 800-273-8255
Suicide Prevention Lifeline Online: https://suicidepreventionlifeline.org/
Crisis Text Line, the 24/7 emergency service is available if you or someone you know is experiencing a psychiatric or mental health crisis. Text: “MN” to 741741
National Alliance on Mental Illness (NAMI) Minnesota, connect for help, to navigate the mental health system, get support, and find resources: Call 888-626-4435
Minnesota Warmline, talk to a specialist who has firsthand experience living with a mental health condition: Call 651-288-0400 OR Text: “Support” to 85511
Substance Abuse and Mental Health Services Administration Disaster Distress Helpline, offers crisis counseling and support if you or a family member is experiencing emotional distress related to a disaster. Call 800-985-5990
Peer Support Connection Warmlines, peer-to-peer telephone support that’s safe and supportive. Open 5 p.m. to 9 a.m. Call or text: 1-844-739-6369
Iron Range Area Local Therapists/Counselors/Psychologists/Psychiatrists:
Alcohol Detox/Range Treatment (Virginia): 218-741-9120
Calm Waters (Virginia): 218-404-9611
Ely Behavioral Health Network (Ely): 218-235-6104
The Guidance Group (Virginia): 218-576-5757
Heartwood Center (Hibbing): 218-263-1347
Insight Counseling (Virginia and Hibbing): 218-481-7660
Kind Mind Counseling Center (Hibbing): 218-263-5949
Lakeview Behavioral Health (Hibbing): 218-293-4789
MosaicSelf Counseling (Ely): 218-216-8467
Range Mental Health Center (Virginia): 218-749-2881
Range Mental Health Center (Hibbing): 218-263-9237
Speare Psychological Services PA (Virginia): 218-741-3740
Teaching your kids the importance of money is very important and, starting at a young age can implement great life skills early on. As a parent or guardian, it is your job to teach your kids good money management skills. This can seem like a big and scary task, but we have a few tips and tricks to help you accomplish this parenting task.
A few ideas that both you and your kids could start include:
- Use a clear jar to save money in.
Using a clear jar, rather than a cute pink piggy bank – allows the kids to physically see the money that they are putting away grow.
- Show them that things cost money.
If you are out shopping, and they (the kids) want a toy, have them bring their own money that they have saved to use towards it. Starting small and building up to bigger things helps them understand the value of money. Going forward, this will help kids understand that if they buy “x”, they will have less money to buy “y”. And therefore, having to make decisions about which is more important to them.
- Lead by example!
Leading by example is key to many things throughout life. As an adult, you have more money than kids, but if you limit your impulse buying, it will help your kids do the same. Thinking about “need” rather than “want” can lead to good money management skills as they grow up.
- Set them up with their own bank account.
By the time your kids are teenagers, you should get them set up with their own bank account. This is the next level to money management and will hopefully prepare them for a much larger account as they become an adult and will teach them the responsibility of their finances.
- Help them make their own money.
Getting your first job is usually both exciting and scary for kids. By helping and encouraging them to find and apply for their first job this will lead to a healthy work ethic.
Seeing their bank account grow as they continue to add in their hard earned paychecks, is a very rewarding feeling!
Stay tuned on our Facebook for more fun and knowledgeable ways to teach your kids of all ages the importances of money!
Imagine if – You paid off that debt that has been weighing on your shoulders, you took that vacation you have been dreaming of, or you transformed your home into the perfect cozy oasis (and bonus, raised the value of your home!).
Those things are possible, and we are here to help you with them with our Home Equity Line of Credit (HELOC).
Your next thought is probably “But how?” Here’s how it works!
First, we’ll explain what HELOC is: A HELOC is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher-interest rate debt on other loans. A HELOC is a secured loan and that means that the interest rate is often lower than other common types of loans, like personal loans or credit cards, and the interest may be tax deductible.
How it works:
A HELOC loan borrows against the available equity in your home and the house is used as collateral for the line of credit. You can also think of this loan like a credit card – As you repay your outstanding balance, the amount of available credit is replenished. So you can borrow as much or as little as you need to. The benefit of this loan is because this is a secured loan, the interest rates are typically lower than personal loans or even credit cards!
So, whether your “Imagine If” list is checking off home improvement projects, paying off student debt or booking that much needed vacation, then contact one of our representatives today and we will help you achieve your goals and answer all your questions!
February is the month of love!
Here at NorthRidge we LOVE our members! We know that right now times are hard, and they have been for a while but we want to share just a few of the reasons why we are so thankful we have had you through it all!
To sum it up, we love you because of your stories, your families and your encouragement.
We asked some of our staff to tell us why they love our members, and here are a few of their answers!
Tia: I love seeing our members on a regular basis and getting to know them personally, so the conversations are not generic and so that if a situation comes up they feel comfortable to maybe share, and maybe we have an option of assistance we can offer them that they didn’t know about.
Gabby: I love working with our members because they can come to us if they have any questions or have any concerns and we will do whatever we can to figure things out for them. I love seeing them happy once they better understand something which can include just a basic transaction, a debit card issue, or a member who just lost a husband or wife and now having to explain and help them out with online billpay or any basic transactions that they are not used to doing since their spouse has always done it.
I love explaining something such as an account that would better benefit them and seeing their face life up because they are so grateful, or getting them logged back into Online Banking after they were locked out after 6 attempts. Everyday life is not always easy and I feel like something as little as getting them into a higher interest rate account or logged back into Online banking can change their bad day into good. It leaves me feeling like I made a positive change in someone’s day which is always a great feeling.
It may not be a huge thing every day but I feel like even small changes or small gestures can make a huge difference and I think we do a great job about doing this every day.
Becky: I love working with our members to refinance collateral loans for a better interest rate and make them so happy. I love working with our members who don’t think they can get a loan. I love working with our members to help build their credit. I love working with our members building a relationship for their financial needs for their lifetime. I love working with our members!
Madisen: There is so much I enjoy about working here at NRCCU and the members have a huge part in that. They are what make the stress filled days’ worth it and good days even better. I love being able to connect and laugh with our members and have them leave with a smile on their face.
Taylor: I love that we build relationships with people and are more like a friend or family, than a financial institution. I love helping our member’s save and make investments. In my new position I get to help people reward themselves for working hard or help them breathe from being in a tough spot! It’s such an awesome feeling!
Kevin: I love helping our members achieve a dream of theirs, whether it is owning a business, a home or a new car, helping them achieve this is a great joy.
Rebecca W: I have the unique ability to understand our members individual stories, and I love the relationships I get to build with them because of that.
Rachel C : The thing I love about working with our members is their ever changing lives that I get to see glimpses of and as relationships grow stronger, you become apart of in a way. You help make dreams and goals a reality and being along for the ride as life events come and pass you can’t help but share in those feelings with them. Sometimes it’s excitement, sometimes fear or a struggle that brings them through the door but the greatest part is finding a mutual trust and knowing that I helped make that possible makes me love what I do.
Mandy: I love getting to know each member that I get to work with and finding out what I can do to help them reach their goals.
Jade: I love talking with our members and hearing their stories. Working here is more than doing a transaction for someone and then they walk out the door, more than just asking them when they’ll be able to make a payment on their account. It’s about learning people’s stories and where they’ve been compared to where they are now. It’s about building relationships with our members and letting them know we’re here for them financially through the good times and bad. We are here for our members so I find it nice to chat with them for awhile.
The new year is bringing you a new and improved app from NorthRidge!
So, what can you look forward to in the new app, you ask?
What can the app do?
- Review your account and see balances and history
- See your e-statements
- View cleared checks
- Make mobile deposits
- Access and use bill pay
- Control your debit card, through the freeze controls.
- Apply for a loan
- You can now sign up for online access directly from the app.
- No need to access a PC.
- Instant balance-See your balances without logging in
- Updating your information-Email, phone, and address
- Setting up mobile alerts and registering a new mobile number
- Find an ATM or branch close to you.
- Stop a payment
If you don’t currently have our app downloaded, then go to https://nrccu.org/online-banking/ and download it today!
In this year’s season of gifting and giving, we encourage you to shop and support your local businesses. 2020 has been a doozy on each and every one of us, businesses included. Our local shops, restaurants, and charities have been there for us for many years, they have gone out of their way to listen to our wants, done giveaways, supported your event, sports team or school. And now it’s our turn to support them, to cheer them on, to make sure they are able to keep their doors open! So this year during the holiday season, we encourage you to try and shop local as much as possible in any way you can. Whether it’s buying gifts, gift certificates, making care packages to send to your loved ones or supporting them on social media!
Make sure you check out all the great businesses on the Iron Range this season!
As 2020 winds down, we are left with time to reflect on this turbulent year. We should use this time to take stock of what we have, where we are, and establish new goals. Now is the time to assess what has happened and how we came to this situation. What have we gained? What were we able to rely on this year? It’s tempting to try and control every aspect of our lives, but we know that simply isn’t possible. This year it is critical for us to be grateful for what we have for us to move forward with purpose and positivity.
Here at NorthRidge it’s important for us to be your partner in helping you access your own money, now and in the future. With our Free Kasasa Cash Program you can save money on ATM visits each month. While this amount may seem small, it is an important part of our financial journey together. This small feature makes saving a tad easier.
If you haven’t started thinking about how much money you saved this year when using the ATM, perhaps think about what the future holds for you. Are there any big trips or purchases coming up in 2021? Will you need a new car once the winter is over? Do any of our services, such as loans, IRAs, or CDs cross paths with your future goals? Come talk with us and let us help you reach your goals.
Take some time this month to look over your finances. Push yourself to assess your financial habits throughout the year as we gear up for the holidays and the upcoming new year. There are plenty of things we can do here at the NorthRidge offices to ensure success for all of us for years to come. If you promise to take some time to reflect upon your finances and find something to be grateful for, we promise that we will continue to work hard to support you and your financial needs.
Northridge spent the last week spreading kindness through random acts in our communities for CU Forward Day.
Our employees went out in the communities and performed random acts of kindness in the following ways:
- Bought groceries for members in our community at the Hoyt Lakes IGA, Virginia and Hibbing Super Ones.
- Bought Gas and groceries at the Holiday Station in Hibbing.
- Bought lunch for members in our community at McDonalds in Hibbing
- Bought cups of coffee from the Log Cabin Coffee in Ely
- Placed rolls of quarters in laundromats to pay for community members laundry
- Paid for students’ lunches at Ely elementary, who were past due.
- Donated to Contended critters and Range Regional Animal Shelter, as well as paid for a vet bill