Money Smarts Blog
![Child's hand holding candy cane craft Child's hand holding candy cane craft](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/holiday-decorating.jpg?sfvrsn=93f2149a_1&Size=350)
Holiday Decorating on a Budget
Nov 12, 2022 Kristin Simpson, Universal Member Service Representative | Amy Martens, IHMVCU Member | Hannah Nimrick, Consumer Loan Specialist
![Man working on tablet Man working on tablet](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/adobestock_289034765.jpeg?sfvrsn=77d3149a_1&Size=350)
HSA vs FSA: Do you know the difference?
Nov 8, 2022 Allison Anderson, Senior Human Resource Specialist
![Three people sitting at a bar holding phone Three people sitting at a bar holding phone](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/p2p-payments.jpg?sfvrsn=7ef3149a_1&Size=350)
Peer-to-Peer Payments: "I'll Venmo You" … But is it Safe?
Nov 7, 2022 Jamie Collier, Payment Operations Director
![Hand holding phone Hand holding phone](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/bnpl_resized_1025224d8e7f928d626bf4bb71ff00002d1cfc.jpg?sfvrsn=38ec149a_1&Size=350)
Buy Now, Pay Later Plans: Too Good to be True?
Nov 7, 2022 Kerri Wells, Card Portfolio Product Manager
![Young girl with her arms crossed Young girl with her arms crossed](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/raising-grateful-child.jpg?sfvrsn=4ed149a_3&Size=350)
It's Okay to Say No: Raising a Grateful Child
Oct 29, 2022 Tricia Leslein, Branch Manager | Kerri Wells, Product Manager, Card Portfolio | Shawnee Schmitt, Universal Member Service Representative
![couple hugging in kitchen couple hugging in kitchen](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/adobestock_293427039-1200x800.jpg?sfvrsn=ced6179a_1&Size=350)
Do you really need 20% down to buy a home?
Oct 20, 2022 Tasia Bunker, Mortgage Loan Originator | Quad Cities
![Piggy bank with money coming out Piggy bank with money coming out](https://prodihmvcuorg.azurewebsites.net/images/default-source/images-for-money-smarts-blog/money_habits.jpg?sfvrsn=796c149a_1&Size=350)
5 bad money habits you need to break
Aug 17, 2022 Arazi Love, Universal Member Services Representative