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  <channel>
    <title>blog</title>
    <link>https://www.datcu.org/for-what-its-worth</link>
    <description>For What It's Worth, the DATCU blog, shares financial wellness tips and North TX community news you can put into action today. Read the latest posts now.</description>
    <language>en</language>
    <pubDate>Thu, 15 Oct 2026 13:52:15 GMT</pubDate>
    <dc:date>2026-10-15T13:52:15Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>UNT Football Stadium Partnership | Local Community Impact | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/whats-in-a-name</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/whats-in-a-name" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/whats-in-a-name.webp" alt="UNT Football Stadium Partnership | Local Community Impact | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;When Shakespeare penned his famous line – “A rose by any other name would smell as sweet” – I don’t know that he had DATCU Stadium in mind. &amp;nbsp;We like to think maybe he did?&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/whats-in-a-name" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/whats-in-a-name.webp" alt="UNT Football Stadium Partnership | Local Community Impact | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;When Shakespeare penned his famous line – “A rose by any other name would smell as sweet” – I don’t know that he had DATCU Stadium in mind. &amp;nbsp;We like to think maybe he did?&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhats-in-a-name&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Tue, 06 Oct 2026 14:00:00 GMT</pubDate>
      <author>noreply@datcu.org (DATCU)</author>
      <guid>https://www.datcu.org/for-what-its-worth/whats-in-a-name</guid>
      <dc:date>2026-10-06T14:00:00Z</dc:date>
    </item>
    <item>
      <title>Who You Gonna Call? | Credit Union Banking Support | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/who-you-gonna-call</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/who-you-gonna-call" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/Who%20You%20Gonna%20Call.webp" alt="Who You Gonna Call? | Credit Union Banking Support | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Regardless if you’re catching ghosts or trying to set up your bill pay, the question remains the same. &amp;nbsp;Who are you going to call to get help? &amp;nbsp;The answer tends to separate the large corporate banks from the local community credit unions.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/who-you-gonna-call" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/Who%20You%20Gonna%20Call.webp" alt="Who You Gonna Call? | Credit Union Banking Support | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Regardless if you’re catching ghosts or trying to set up your bill pay, the question remains the same. &amp;nbsp;Who are you going to call to get help? &amp;nbsp;The answer tends to separate the large corporate banks from the local community credit unions.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwho-you-gonna-call&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Online Banking</category>
      <pubDate>Mon, 05 Oct 2026 17:00:00 GMT</pubDate>
      <author>noreply@datcu.org (DATCU)</author>
      <guid>https://www.datcu.org/for-what-its-worth/who-you-gonna-call</guid>
      <dc:date>2026-10-05T17:00:00Z</dc:date>
    </item>
    <item>
      <title>Understanding Why Savings Account Interest Rates Change | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/why-do-savings-account-interest-rates-change</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/why-do-savings-account-interest-rates-change" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/why-do-savings-account-interest-rates-change.webp" alt="Understanding Why Savings Account Interest Rates Change | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;If you've ever compared &lt;a href="https://www.datcu.org/savings/accounts/personal-savings"&gt;savings accounts&lt;/a&gt; at different financial institutions, you may have noticed they don't all offer the same &lt;a href="https://www.datcu.org/deposit-account-rates"&gt;interest rate&lt;/a&gt;. You might also notice the interest rate on the same account go up or down over time.&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/why-do-savings-account-interest-rates-change" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/why-do-savings-account-interest-rates-change.webp" alt="Understanding Why Savings Account Interest Rates Change | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;If you've ever compared &lt;a href="https://www.datcu.org/savings/accounts/personal-savings"&gt;savings accounts&lt;/a&gt; at different financial institutions, you may have noticed they don't all offer the same &lt;a href="https://www.datcu.org/deposit-account-rates"&gt;interest rate&lt;/a&gt;. You might also notice the interest rate on the same account go up or down over time.&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhy-do-savings-account-interest-rates-change&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Accounts</category>
      <category>Savings</category>
      <pubDate>Wed, 19 Aug 2026 17:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/why-do-savings-account-interest-rates-change</guid>
      <dc:date>2026-08-19T17:00:00Z</dc:date>
      <dc:creator>Allyson Streelman</dc:creator>
    </item>
    <item>
      <title>Why Behavior Change is the Key to Financial Wellness | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/why-behavior-change-is-the-key-to-financial-wellness</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/why-behavior-change-is-the-key-to-financial-wellness" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/why-behavior-change-is-the-key-to-financial-wellness.webp" alt="Why Behavior Change is the Key to Financial Wellness | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;For many of us, money is a significant source of stress. It’s natural to assume that &lt;a href="https://www.datcu.org/financial-wellness-hub"&gt;financial wellness&lt;/a&gt; comes from earning more money or knowing more about personal finance. While both can certainly help, financial wellness is also shaped by the everyday habits and decisions that influence how we use money. And though some financial challenges may be beyond our control, our habits and behavior remain areas where meaningful change is often possible. In this article, we'll explore this more closely.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/why-behavior-change-is-the-key-to-financial-wellness" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/why-behavior-change-is-the-key-to-financial-wellness.webp" alt="Why Behavior Change is the Key to Financial Wellness | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;For many of us, money is a significant source of stress. It’s natural to assume that &lt;a href="https://www.datcu.org/financial-wellness-hub"&gt;financial wellness&lt;/a&gt; comes from earning more money or knowing more about personal finance. While both can certainly help, financial wellness is also shaped by the everyday habits and decisions that influence how we use money. And though some financial challenges may be beyond our control, our habits and behavior remain areas where meaningful change is often possible. In this article, we'll explore this more closely.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhy-behavior-change-is-the-key-to-financial-wellness&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Budgeting</category>
      <pubDate>Mon, 03 Aug 2026 17:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/why-behavior-change-is-the-key-to-financial-wellness</guid>
      <dc:date>2026-08-03T17:00:00Z</dc:date>
      <dc:creator>Mike Marcoe</dc:creator>
    </item>
    <item>
      <title>Experience Hassle-Free Banking with DATCU Free Checking</title>
      <link>https://www.datcu.org/for-what-its-worth/experience-hassle-free-banking-with-datcu-free-checking</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/experience-hassle-free-banking-with-datcu-free-checking" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/hs-generated-images/A%20modern%20building%20featuring%20a%20sleek%20design%20with%20glass%20and%20stone%20materials%20The%20name%20DATCU%20is%20prominently%20displayed%20on%20a%20large%20black%20sign%20at%20the%20entrance%20and%20a%20smaller%20sign%20on%20the%20building%20facade%20The%20structure%20has%20a%20green%20roof%20adorned%20with%20landscaping.jpeg" alt="Experience Hassle-Free Banking with DATCU Free Checking" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;h3&gt;Why DATCU Free Checking is the Smart Choice&lt;/h3&gt; 
&lt;p&gt;Choosing the right checking account can often feel overwhelming with so many options available. However, DATCU Free Checking stands out as a smart and pragmatic choice. Why? Because it’s designed to make your money work smarter, not harder. Unlike traditional banks that may charge various fees and require minimum balances, DATCU offers a refreshing alternative that is both simple and transparent. By opting for DATCU Free Checking, you align yourself with a financial institution that prioritizes your financial well-being and aims to keep your financial life stress-free.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/experience-hassle-free-banking-with-datcu-free-checking" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/hs-generated-images/A%20modern%20building%20featuring%20a%20sleek%20design%20with%20glass%20and%20stone%20materials%20The%20name%20DATCU%20is%20prominently%20displayed%20on%20a%20large%20black%20sign%20at%20the%20entrance%20and%20a%20smaller%20sign%20on%20the%20building%20facade%20The%20structure%20has%20a%20green%20roof%20adorned%20with%20landscaping.jpeg" alt="Experience Hassle-Free Banking with DATCU Free Checking" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;h3&gt;Why DATCU Free Checking is the Smart Choice&lt;/h3&gt; 
&lt;p&gt;Choosing the right checking account can often feel overwhelming with so many options available. However, DATCU Free Checking stands out as a smart and pragmatic choice. Why? Because it’s designed to make your money work smarter, not harder. Unlike traditional banks that may charge various fees and require minimum balances, DATCU offers a refreshing alternative that is both simple and transparent. By opting for DATCU Free Checking, you align yourself with a financial institution that prioritizes your financial well-being and aims to keep your financial life stress-free.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fexperience-hassle-free-banking-with-datcu-free-checking&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Accounts</category>
      <pubDate>Thu, 16 Jul 2026 14:13:28 GMT</pubDate>
      <author>noreply@datcu.org (DATCU)</author>
      <guid>https://www.datcu.org/for-what-its-worth/experience-hassle-free-banking-with-datcu-free-checking</guid>
      <dc:date>2026-07-16T14:13:28Z</dc:date>
    </item>
    <item>
      <title>How to Save For the Unexpected | Emergency Savings | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/how-to-save-for-the-unexpected</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/how-to-save-for-the-unexpected" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/how-to-save-for-the-unexpected.webp" alt="How to Save For the Unexpected | Emergency Savings | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;We’ve all felt that dreaded feeling before—when the car unexpectedly dies or we discover that there is a leak in the house that needs to be fixed immediately. Any expense that you aren’t prepared for is always a challenge. It’s money you didn’t intend to spend and perhaps don’t even have to spend!&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/how-to-save-for-the-unexpected" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/how-to-save-for-the-unexpected.webp" alt="How to Save For the Unexpected | Emergency Savings | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;We’ve all felt that dreaded feeling before—when the car unexpectedly dies or we discover that there is a leak in the house that needs to be fixed immediately. Any expense that you aren’t prepared for is always a challenge. It’s money you didn’t intend to spend and perhaps don’t even have to spend!&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fhow-to-save-for-the-unexpected&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Budgeting</category>
      <category>Savings</category>
      <pubDate>Fri, 05 Jun 2026 17:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/how-to-save-for-the-unexpected</guid>
      <dc:date>2026-06-05T17:00:00Z</dc:date>
      <dc:creator>Rachel Lane</dc:creator>
    </item>
    <item>
      <title>When Spending a Little Extra Makes Sense for Your Safety | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/when-spending-a-little-extra-makes-sense-for-your-safety</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/when-spending-a-little-extra-makes-sense-for-your-safety" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/when-spending-a-little-extra-makes-sense-for-your-safety.webp" alt="When Spending a Little Extra Makes Sense for Your Safety | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Many of us may be used to stretching our budgets as far as they can go. Spending wisely is not only sensible but a step towards a more secure future. However, stretching the budget too thin risks losing sight of the bigger picture: our personal safety. The catch is that spending on safety can sometimes feel unnecessary, or simply overcautious. Of course, it only feels that way until something unfortunate actually happens. &amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/when-spending-a-little-extra-makes-sense-for-your-safety" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/when-spending-a-little-extra-makes-sense-for-your-safety.webp" alt="When Spending a Little Extra Makes Sense for Your Safety | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Many of us may be used to stretching our budgets as far as they can go. Spending wisely is not only sensible but a step towards a more secure future. However, stretching the budget too thin risks losing sight of the bigger picture: our personal safety. The catch is that spending on safety can sometimes feel unnecessary, or simply overcautious. Of course, it only feels that way until something unfortunate actually happens. &amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhen-spending-a-little-extra-makes-sense-for-your-safety&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Fraud</category>
      <category>Security</category>
      <pubDate>Tue, 31 Mar 2026 17:00:00 GMT</pubDate>
      <author>noreply@datcu.org (DATCU)</author>
      <guid>https://www.datcu.org/for-what-its-worth/when-spending-a-little-extra-makes-sense-for-your-safety</guid>
      <dc:date>2026-03-31T17:00:00Z</dc:date>
    </item>
    <item>
      <title>When Money is Tight: A Survival Budget | Budget Tips | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/when-money-is-tight-a-survival-budget</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/when-money-is-tight-a-survival-budget" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/when-money-is-tight-a-survival-budget.webp" alt="When Money is Tight: A Survival Budget | Budget Tips | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;At any time in your life, you may find yourself living on very little, perhaps as little as $1,000 a month—or less. You may be on unemployment, public support, or part-time work. Credit cards might not be available, and you might not have savings to hold you over. When this happens, your priorities for your money will have to shift quickly. A standard budgeting tool may be too broad and complex in this case. So, whether or not you are in a low-income situation right now, it is important to understand what it means to budget for essential expenses.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/when-money-is-tight-a-survival-budget" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/when-money-is-tight-a-survival-budget.webp" alt="When Money is Tight: A Survival Budget | Budget Tips | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;At any time in your life, you may find yourself living on very little, perhaps as little as $1,000 a month—or less. You may be on unemployment, public support, or part-time work. Credit cards might not be available, and you might not have savings to hold you over. When this happens, your priorities for your money will have to shift quickly. A standard budgeting tool may be too broad and complex in this case. So, whether or not you are in a low-income situation right now, it is important to understand what it means to budget for essential expenses.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhen-money-is-tight-a-survival-budget&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Budgeting</category>
      <category>Savings</category>
      <pubDate>Fri, 19 Dec 2025 18:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/when-money-is-tight-a-survival-budget</guid>
      <dc:date>2025-12-19T18:00:00Z</dc:date>
      <dc:creator>Mike Marcoe</dc:creator>
    </item>
    <item>
      <title>What is a Credit Union? | Credit Union Member Benefits | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/what-exactly-is-a-credit-union</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/what-exactly-is-a-credit-union" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/what-the-heck-is-a-credit-union.webp" alt="What is a Credit Union? | Credit Union Member Benefits | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Credit unions are not-for-profit organizations owned by their members. Their primary goal is to help the community by helping their members save and borrow.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/what-exactly-is-a-credit-union" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/what-the-heck-is-a-credit-union.webp" alt="What is a Credit Union? | Credit Union Member Benefits | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Credit unions are not-for-profit organizations owned by their members. Their primary goal is to help the community by helping their members save and borrow.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fwhat-exactly-is-a-credit-union&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Featured</category>
      <category>Accounts</category>
      <pubDate>Fri, 30 Aug 2024 17:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/what-exactly-is-a-credit-union</guid>
      <dc:date>2024-08-30T17:00:00Z</dc:date>
      <dc:creator>Lisa Phelps</dc:creator>
    </item>
    <item>
      <title>How Digital Banking Can Help Reduce Fraud | Fraud Tips | DATCU</title>
      <link>https://www.datcu.org/for-what-its-worth/how-digital-banking-can-help-reduce-fraud</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/how-digital-banking-can-help-reduce-fraud" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/how-digital-banking-can-help-reduce-fraud.webp" alt="How Digital Banking Can Help Reduce Fraud | Fraud Tips | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Fraud is a risk that comes with having financial accounts—whether it's an online shopping scam or a phishing attempt. Because of this, it's essential to know how you can better protect your finances. Fortunately, &lt;a href="https://www.datcu.org/checking/money-management/online-banking-mobile-app"&gt;digital banking&lt;/a&gt; offers an easy and secure way of safeguarding your information.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://www.datcu.org/for-what-its-worth/how-digital-banking-can-help-reduce-fraud" title="" class="hs-featured-image-link"&gt; &lt;img src="https://www.datcu.org/hubfs/how-digital-banking-can-help-reduce-fraud.webp" alt="How Digital Banking Can Help Reduce Fraud | Fraud Tips | DATCU" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Fraud is a risk that comes with having financial accounts—whether it's an online shopping scam or a phishing attempt. Because of this, it's essential to know how you can better protect your finances. Fortunately, &lt;a href="https://www.datcu.org/checking/money-management/online-banking-mobile-app"&gt;digital banking&lt;/a&gt; offers an easy and secure way of safeguarding your information.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=41499752&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fwww.datcu.org%2Ffor-what-its-worth%2Fhow-digital-banking-can-help-reduce-fraud&amp;amp;bu=https%253A%252F%252Fwww.datcu.org%252Ffor-what-its-worth&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Fraud</category>
      <category>Security</category>
      <category>Online Banking</category>
      <pubDate>Tue, 23 Jul 2024 17:00:00 GMT</pubDate>
      <guid>https://www.datcu.org/for-what-its-worth/how-digital-banking-can-help-reduce-fraud</guid>
      <dc:date>2024-07-23T17:00:00Z</dc:date>
      <dc:creator>Allyson Streelman</dc:creator>
    </item>
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