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  • Welcome to Life in the New Economy
    Turning things around may take awhile. In fact, we need to shift our mindset and our way of life. It's time to change our ways, support our local community and take a moment to appreciate what we have. It's time to take better care of ourselves and our families.

  • Pay Yourself First

    • Save your loose change. Putting aside fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency fund.

     

    •  Keep track of your spending. Ask yourself what you could avoid spending and instead put it into an emergency savings account.
    • Never purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours.  Decide if it's something you need or want. Use debit and credit cards prudently. To minimize interest charges, try to limit credit card purchases to those you can pay off in full at the end of the month. Better yet, use your debit card. That way, you only spend what you have.
    • Eat out less, make a trip to the coffee shop a treat not a habit, bring your lunch to work and clip coupons.
    • Buy "new to you" instead of always choosing brand new.
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  • Prevent Identity Theft

    • Among the most common and easiest ways for criminals to secure your personal information is collecting direct mail offers and account statements from your mail box or “dumpster diving” in your trash cans. Install a locked mailbox at your residence or use a post office box or commercial mailbox service.

     

    • You are not considered a victim of identity theft or account take over if you have given permission to a family member, relative, friend or partner to use your credit or debit card and they have abused that privilege. Get a copy of your credit report. Make sure the information contained in it is accurate and there is no fraud occurring. A federal law allows you to get a free report annually from the three credit bureaus. Go to www.annualcreditreport.com or call 877-322-8228.
    • Protect your Social Security number. Only provide it where required (tax forms, employment records, most banking, stock and property transactions.) DO NOT print it on your checks or carry it in your wallet.
    • When creating passwords and PINs (personal identification numbers), do not use the last four digits of your Social Security number, your mother’s maiden name, your birthdate, middle name, pet’s name, consecutive numbers or anything else easily discovered by thieves. Memorize these numbers. Don’t carry them in your wallet.

     

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  • Give Back


    It feels good. And when you give, consider some local options.

    Give10 / Tell10
    As we all struggle through a tough economy, some of our friends and neighbors are far worse off than others. Layoffs, evictions and rising costs for basic needs mean that more of our neighbors, coworkers, and friends are living on the edge – some for the first time in their lives. Thousands of families in Clark, Multnomah, Washington and Clackamas counties need help for things as basic as food, rent, and utilities.

    The Community Relief Fund was created by United Way of the Columbia-Willamette, Oregon Food Bank, and Community Action Programs in all four counties to respond to the growing number of families that urgently need help. With your help, families can get back on their feet. If we just care about each other and work together, we can save our community from disaster.

    Take action. Give $10 today and forward this email to 10 friends. Our community will be better for it! And 100% of your donation goes to families in need.

    www.give10tell10.org.
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  • Reduce Your Carbon Footprint

    • Go Paperless: Stop receiving statements and bills in the mail. It's safer for you, and the environment.
    • Pay Bills Online: It's safer and costs less.

     

     

    • Buy Green: Look for energy efficient, planet-friendly products. And bring your own bag.
    • Cut Costs: Switch to CFC bulbs, turn off appliances and electronic devices when not in use. Conserve water. Recycle. Watch your utility bills drop.
    • Drive Less: Combine errands. Ride your bike or walk. Take public transportation. Share a ride with a friend, coworker or fellow traveler. Save on gas.
    • Shop Local: Buy locally made food and products. Support your local farmers market and businesses. Grow your own food. Reduce the miles it takes for a meal to reach your plate.


    Green Tools

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