Distinguishing between “needs and wants” is always tough. Society pressures to keep up with the latest trends, fashions, cars, and styles blurs the lines between what you really want and what you really need. Now is the time to be focused and have your financial plan in order. The credit union can help with those plans. Start automatic deductions from your payroll to boost your savings accounts for rainy days. Talk to a credit union loan officer about managing debts and consolidating your bills.  Compare the interest rates on credit cards from other financial institutions with the credit unions’. Invest in a certificate of deposit for as little as $500. Small investments grow into larger investments over time. Let the credit union be your source for all your financial needs.