12/15 WEBINAR: The Psychology of Spending
December 15, 2021, 11:00am - 12:00pm ET
Do you ever wonder why you left the mall with $500 worth of clothes when you were not planning to get anything or bought one pair of shoes over another? It is not just personal preference. Psychologists have found that there are several forces that govern our consumer behavior and cause us to make decisions that are not necessarily rational or in our best interest. However, understanding why we buy what we buy can help us make better decisions in the future. Why is it important to make smart spending decisions? Overspending can take away from important saving goals, like a down payment for a house, college, or retirement. Join us for this 45-minute webinar as we cover factors that commonly affect the psychology of our spending, including:

• The Role of Advertising, and Keeping Up with the Joneses, Spending Habits, and Impulse Buying
• Bargain Hunting, and Retail Therapy, Money as Love, and I’ll Worry About Tomorrow Tomorrow

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12/16 WEBINAR: Building A Better Budget
December 16, 2021, 10:00am - 11:00am ET
If you are one of the many people for whom the word “budget” is the same as the word “denial,” you may be surprised to learn that the opposite is true. A well-designed budget is the best way for you to reach goals and achieve financial independence – without having to sacrifice all of life’s pleasures.
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12/16 WEBINAR: Banking Without a Branch for Overseas Members: Using SDFCU Technology
December 16, 2021, 2:00 p.m. - 2:45 p.m. ET
SDFCU members are empowered with global, world-class service and technologies. Learn how you can join SDFCU, access your personal education center, and manage your account from anywhere in the world. Enjoy the power of key technologies like frictionless money movement, digital wallets, eSignatures, and video conferencing, to safely spend, invest, borrow, and even finance a home via remote settlement. There is much more, so attend this webinar to learn all the ways SDFCU puts the power in its members’ hands.
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12/16 WEBINAR: 10 Steps to Financial Success
December 16, 2021, 8:30 p.m. - 9:30 p.m. ET
We all measure financial success differently, but all paths to get there require discipline and goals. This session teaches participants ways to financial control— including developing a spending plan, creating objectives, weighing insurance needs, and other tools that will help get on the road to personal financial success.
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12/16 WEBINAR: IRA Basics
December 16, 2021, 3:00 p.m. - 4:00 p.m. ET
When some people think about retirement, they think about the joys of the well-deserved freedom after decades of hard work. However, for other people, these thoughts are met with trepidation and anxiety. The determining factor of which type of retiree you will be is preparation. In this workshop we will cover an important tool to preparing for retirement, Individual Retirement Accounts (IRAs).
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12/20 WEBINAR: Invest in a Bright Future
December 20, 2021, 12:30 p.m. - 1:30 p.m. ET
Webinar participants will learn about 529 plans and other options to start saving and reach your college savings goals.
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12/21 WEBINAR: Rebuilding After a Financial Crisis
December 21, 2021, 11:00 a.m. - 12:00 p.m. ET
There are many things in life that can derail even the best money management plans. A job loss, a medical crisis, or other hardship can send a normal financial situation into a tailspin.
If you are in this situation, you may wonder if things can ever be the way they were before, but you can recover from a financial crisis. Participants will learn how to get their finances back on track, including budgeting, repaying debt, rebuilding credit, establishing emergency savings, and replenishing retirement savings.
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