Smart Money Moves

“Money, money, money” is fun to sing along to in Mamma Mia, but not quite as easy to manage in real life. Between work, school, and the daily juggle, it’s no surprise that saving often slips down the priority list. The good news? With the right support and a few practical tools, families can take control of their finances, reduce stress, and build a stronger future together.

At Valley Strong Credit Union, supporting local families means offering real guidance that fits into everyday life. They’re here to make progress feel possible and approachable.

Start small. Dream big.

Saving doesn’t have to start with a big number. Opening a dedicated savings account is a great first step, and small habits—like weekly no-spend days—can really add up. One of the most popular strategies for families is the 50-30-20 method: spend 50 percent on needs, 30 percent on wants, and save 20 percent whenever possible.

For more specific goals, Valley Strong offers tools like multiple savings accounts, Club Accounts for school or holiday expenses, and even high-yield options for families ready to level up. If you're planning for milestones like college or retirement, their team can help you map out your next move with IRAs and long-term planning solutions.

Financial wellness that fits your life.

Life is busy, but managing money doesn’t have to be complicated. Valley Strong encourages quick weekly or monthly check-ins so families can stay on track. Through their mobile app, members can monitor balances, set savings goals, and even freeze a card instantly—all with a tap.

Automatic transfers are another way to save without thinking twice. Even five dollars at a time builds momentum. With tools that align with your payday schedule, Valley Strong makes saving simple and stress-free.

Support that grows with you.

Valley Strong is here for the long haul. Their Certified Financial Counselors are available for one-on-one conversations, and members can explore financial literacy through the Zogo app, in-person workshops, or school programs at the Valley Strong Financial Literacy Center.

Wherever you’re starting from, Valley Strong is ready to help you move forward. With resources built for real life and support you can count on, they’re proud to help Central Valley families grow stronger together.

Visit valleystrong.com to explore tools, find the nearest branch, schedule an appointment, or school programs through Valley Strong’s online Financial Literacy Center.

Raising money-smart kids.

One of the best ways to build financial confidence is to start early. With Youth Savings Accounts and tools like Greenlight, Valley Strong helps parents give kids hands-on experience in a way that’s age-appropriate and fun. From budgeting birthday gifts to earning allowance, everyday moments become real learning opportunities.

Visit valleystrong.com or branches located in Visalia, Tulare, Dinuba, Porterville and Hanford for more info.