Tag Archives: spring cleaning

Spring Cleaning Hacks

The sun is shining, the birds are chirping, the flowers are blooming — and your cluttered closets are calling. Time to roll up your sleeves and whip your home into shape. And yes, this means you! It’s been a long winter and you’ve let the clutter grow, all over your garage, across your basement and up into your attic crawl space. And your bedroom closets? We’re not even going there.

As always, USAgencies Credit Union is here to help! Use this handy list of creative cleaning hacks to banish those dust bunnies without spending a fortune on organizers and cleaning solutions. Plus, you’ll be doing your part to help keep the planet green by skipping over those toxic cleansers this year.

Let’s get cleaning!

Schedule smart

Create a physical list of every part of your home you plan on attacking. Next, divide the chores according to the amount of time you estimate it will take to clean them. Make smaller sub-lists of 3-hour jobs, 1-hour jobs and 15-minute jobs. Post your lists in a place you’ll often see. This way, when you have spare time, you can find the right big or small job to tackle at a glance.

DIY cleansers

Why blow your budget on pricey, toxic cleansers when you can make your own for so much less at home? Try these DIY solutions and hacks for all those hard-to-clean places around your home:

Use a lemon for cleaning stainless steel sinks and faucets. Slice a lemon in half, and rub the fruit against hard water stains and rust spots in your kitchen and bathroom. You can also sprinkle on some baking soda for the really stubborn marks. The stains should now easily lift.

Steam-clean your microwave. Fill a microwave-safe bowl with 1-2 cups of water, 2 tablespoons of white vinegar, plus a few drops of your favorite essential oil. Nuke it for five minutes and then wipe those stains right off!

Use coffee filters for your monitors and screens. Let the gentle fibers in coffee filters leave your screens squeaky-clean!

Clean your shower heads with white vinegar. Fill a sandwich bag with white vinegar and use a rubber band to secure it around your shower head. Let it soak overnight and the water stains or calcium buildup should wash right off.

Tips and tricks

Cleaning is easy with these helpful hacks!

Use a lint roller to dust. Run a lint roller over your light fixtures and shelves. It’ll pick up those dust particles and leave you with clean surfaces in minutes!

Use your dishwasher for more than dishes. Load up your dishwasher with plastic toys, hair brushes, pet dishes, refrigerator shelves, tweezers and drawer knobs. When the cycle is through, clean your dishwasher by placing a cup of white vinegar on the top shelf and running it through its hottest cycle.

Use a window squeegee to scrape pet hair off your carpet. The rubber edge of the squeegee is perfect for gripping and removing pet hair from your rugs and carpet.

Use a hair dryer to get rid of water rings. Blast a hair dryer over the water rings until they disappear. You can also rub some olive oil over the area to return the wood to its original shine.

Let’s get organized!

Banish the clutter for good with these tips.

Create a space for clutter. Create a place for every bit of clutter that passes through your door. You can pick up organizers and storage bins at the dollar store.

Use Velcro to keep drawer organizers in place. Fasten strips of Velcro to the bottom of your organizers to keep them in place.


Happy cleaning from all of us here at USAgencies Credit Union!

What Should Be on My Financial To-Do List This Spring?

Q: Spring is here, and I’d love to review my finances to improve them however possible. What should be on my financial to-do list this spring?

A: It’s wonderful that you’re using the season to take a deep look at your finances. Let’s review some ways to improve your finances and general money management this time of year.

De-clutter your finances

As you sift through the “stuff” piled up around your home and throw out useless clutter until each closet would make Marie Kondo proud, it’s a good idea to do the same for your finances.

Review your monthly budget and cut out extra expenses that may be cluttering it up. Think about things like subscriptions you don’t use anymore or upgraded apps and services you don’t really need. Next, simplify your monthly bill-paying by moving all due dates to the same day and setting up an automatic payment so you’re never late.

Clean up your finances by using Money Management to budget and keep track of your spending with minimal effort. Finally, simplify your savings by setting up an automatic monthly transfer between your USAgencies Credit Union Checking Account and USAgencies Credit Union Savings Account.

Review your W-4 

Post-tax season is the perfect time to look over your W-4 to determine if you’re withholding too much money — or too little. Remember: A generous tax refund might seem like good news, but what it really means is that you’ve been giving the government an interest-free loan throughout the year. You don’t want to withhold too little money and end up with a big tax bill to pay at the end of the year, either. To find that perfect sweet spot, work out the numbers using the IRS’ withholding calculator; use tax software like TurboTax; or ask a professional accountant to help. Don’t forget to submit a new W-4 to your workplace with your new withholding amount in place.

Protect your personal information 

Now that you’ve paid your taxes, it’s a good time to get rid of any documents that can compromise your safety. In today’s digital world, there are very few hard-copy documents you’ll need to hold onto. You can safely shred account statements, credit card bills, utility bills, insurance bills and more. Make sure to keep a copy of anything that requires your signature, such as the deed of your home and your car title, and hold onto unpaid loan statements and your tax returns. Keep these papers, as well as your most important sensitive documents, like your Social Security card, birth certificate and marriage certificate, in a fireproof box or in a locked file cabinet.

It’s also a good idea to clean up your computer and phone, deleting any downloaded documents that can compromise your privacy and deactivating your accounts on websites you no longer frequent. You may want to let your devices “forget” your password and payment history on retail sites as well. The less of your life you have online, the lower the risk of your personal information being compromised if any of these sites is hacked.

Throw away a debt

Did you resolve to work aggressively toward paying down your debts this year? Dust off that New Year’s resolution and take a hard look at your progress this spring. Is the debt going anywhere, or are you still trapped in the cycle of making just minimum payments that mostly go toward interest?

Get serious about getting out of debt by making a list of all debt in order from smallest to largest. Work out a plan for maximizing your payments on this debt, acquiring the necessary funds by pruning an expense category on your monthly budget or taking on some freelance work for extra cash. Once you’ve paid off the smallest debt, work on the next-smallest debt until you’re completely debt-free. As you progress through your list, be sure not to neglect the minimum payments on any of your debts.

Start saving for summer

If you haven’t already done so, now’s the time to start putting money away for your summer getaway. Every little bit adds up, and the earlier you start saving, the more money you’ll have to spend on your bucket list.

It’s springtime! As you celebrate the season of renewal, spruce up your finances to help stay on track for the rest of the year.


Questions? Connect with our Member Services Specialists today at 503-275-0300 Option 4, we are here to help!

Spring Clean Your Finances

In collaboration with our friends at Consumer Financial Protection Bureau.

There is something about Spring that makes us feel like we have a fresh start. From the sunnier skies to the blooming flowers – this time of year always gives us a little extra boost to tidy up around or homes and yards. It is also important to take the time to do the same with our finances! Here are a few ways to get started on Spring Cleaning your finances.

1. Request a free credit report

You can request a free credit report  every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). Once you have your credit report, you can check for and correct any errors. This is especially important if you’re thinking of making any big purchases, like buying a new home. Our checklist will help you know what to look for in your credit report. Try setting a calendar reminder so you remember to check your credit reports on a regular basis. You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year.

Just like with the big three consumer reporting companies, you can also get free copies of your nationwide specialty consumer reports every 12 months from many of the specialty consumer reporting companies. Specialty consumer reporting companies collect and share information about employment history, medical records and payments, check writing, or insurance claims.

2. Address debt

If you’re facing a large debt or your payments are overdue, your first instinct may be to ignore the debt or hope it goes away. But, that will things worse and lead to more stress down the line. There are strategies that can help you make payments that work for your current financial situation.

First, review your bills and make sure you understand what you owe. Using automatic Bill Pay with your credit union, or utilizing a bill tracker can help you stay on top of your payment due dates.

Second, contact your lenders to see if alternative payment options are available. You may be able to change your due date so that a payment is due closer to when you receive your income.

3. Review your spending

Have you ever looked at your credit card bill and wondered where all those charges came from? Or, have you found yourself swiping your credit card for a purchase before you’ve had a chance to think about it?

Gain control over your credit card spending by taking a close look at your credit card purchases over the past couple months. If you’re looking to cut back, try breaking down necessary expenses vs. wants. Once you see how you’re spending, try creating a “rule to live by” to make sure you stay on track. These kinds of simple personal guidelines, such as using cash for smaller purchases, make it easier to stick to your goals over time.

You can also utilize money management tools to help keep all your finances in focus. By knowing all your accounts and tracking your budget all in one place, it can help reduce stress and give you peace of mind.

4. Save automatically

After checking your budget, you may see some more opportunities to boost your savings. For example:

  • If you have a credit union membership and direct deposit, you can arrange to automatically deposit some of your paycheck to a savings account every time you’re paid, instead of all of it going into a checking account.
  • You can check with your employer to see if it’s possible to split your paycheck into two accounts. You may also be able to transfer some of the money in your checking account into a savings account at another institution to keep it out of sight out of mind.

Did you know that nearly 46 percent of consumers indicated that they could not pay for an emergency expense of $400? When you save for unexpected expenses, you can handle them when they happen without having to skip other bills or borrow money. Start with $500 as your goal. This is enough to cover a lot of common emergencies, like car repairs, a plane ticket to care for a sick family member, or smaller medical costs.


Questions? Connect with our Member Relationship Specialists today at 503-275-0300 Option 3, send a secure message or chat with us when you log into your Online Banking! You can also stop by our branch located at 95 SW Taylor St., Portland, OR 97204 – we are here to help!