Back – to – School Budgeting Surprises

young boy child with Abacus

And How To Get Ahead Of Them

Ah, back-to-school season. Your child is anticipating the academic year ahead of them, and for parents, too, this can be an exciting time. But it can also be an expensive one — especially when you get blindsided by costs you weren’t expecting. Here’s your guide for how to handle unexpected back to school expenses.

Where To Start

A new school year can mean new activities and interests — many of which demand dollars. Talk to your child in advance about what they think they might be interested in, says Trae Bodge, smart shopping expert at truetrae.com. “Especially as they get older, they might not be talking to you as much about things they deem important,” she says. “Keeping those lines of communication really open can help you as a parent anticipate what the costs might be.”

The school will likely provide a list of necessary supplies. But there’s nothing wrong with writing to your kid’s teacher — even during the summer — and inquiring about needs, especially for items that are generally more expensive, like field trips and technology.

Also, keep in mind that when you’re trying to anticipate costs, one of your best sources of wisdom is your spending history. “I would look at your back-to-school shopping costs from last year. See what you spent on that you didn’t anticipate, and factor those items into your budget if you need them again,” says Andrea Woroch, consumer savings expert at andreaworoch.com.

Extracurriculars = Extra Costs

Your kid’s extracurricular activities always seem to inspire activity in your wallet. For activities like dance and gymnastics, you may have to purchase costumes for performances. And for things like Model UN, your child will need business attire. Also, if your child is an athlete, you’ll likely have to pay for equipment. “Nowadays, especially since the recession, a lot of schools can’t cover the cost of uniforms, and in some cases even basketballs and footballs,” says Bodge. And if you’re buying something like cleats, it can cost you again later in the year when your child grows out of them. “Don’t overspend now, assuming that these supplies are going to carry you through the year,” Woroch warns. Activities often require ongoing expenditures. Instead, keep an eye open for neighborhood sales and swaps where you may be able to use last year’s equipment to give you a leg up on this years, financially.

Clothing: At First, Less Is More

Even though you may be tempted to snap up every possible outfit your child may need for the year while the summer sales tax holidays are in full swing, hang onto a portion of your budget for later in the year, advises Bodge. Why? If you live in an area with regular seasons, better deals on cold weather clothing happen later — in late September and October. Plus, if you wait, your kids have an opportunity to go to school, check out what everybody else is wearing, and see if they want to hop on a trend. You can ensure you’re spending money on things they like wearing and will actually wear.

Technology

Technology is likely an integral part of your child’s educational experience — especially if they’re in grades five or above. It’s quite possible they’ll have homework requiring a computer and assignments to print out at home. In other words, if you realize in October that you’ll need to purchase a laptop you hadn’t planned on, that can be a major hit to your budget. To prevent a possibly stressful surprise like this, make sure you reach out to your childs’ teachers or school in advance.

Avoid The Big Shopping Spree Before September

These next few weeks as you’re strolling through the mall, you’re likely to be bombarded with colorful back to school sales. You may be tempted to start shopping for everything on your list right then and there, but prices are expected to drop throughout the month of August, reaching a low in early September, says Bodge. And even once you think prices can’t get any lower and you’re ready to shop, make sure you compare prices online before making a purchase — especially with big ticket items like a laptop or phone.

Also, if you want to minimize the hassle of returns and items that don’t fit, try to shop with your child. “Bringing your kids shopping with you — even if it seems like a pain — is good bonding time. And it shows them what shopping is,” Woroch says. Giving them a budget will instill in them the idea that money is a limited resource. Plus, if your child can watch you in action making efforts to save (using a coupon, buying on sale), that will give them an appreciation for the value of money — something that not nearly enough kids will be taught in schools.

 

Sources: 

https://www.savvymoney.com/blog/spending/back-to-school-budgeting-surprises/

Contributing Editor: Jean Chatzky with Molly Povich

The Ultimate Smart Shoppers Cheat Sheet

shopping for appliances

Did you know you should be timing your shopping throughout the week? Each weekday brings its own special deals and savings. Read on for the ultimate cheat sheet for your weekly shopping. 

Sunday: Large household appliances 

Home improvement stores, like Lowe’s and Home Depot, tend to mark down their large appliances on Sundays. 

Monday: Cars and electronics 

Car dealerships are busiest over the weekend, and the comparative quiet of a Monday will put you in a good position to negotiate a great price on a new car. Stop by Mutual Credit Union to ask about our auto loans before you start shopping!

You’ll also want to shop for electronics on Monday, as stores like Best Buy offer exclusive manufacturer rebates each Monday, which can really lower the price of a product. 

Tuesdays: Houses, airline travel and more 

Tuesdays are the best weekday for making an offer on a house, particularly the first Tuesday of the month. This is when most home sellers review the activity surrounding their house from the prior month and are more open to accepting an offer that’s well lower than their asking price. 

If you’re looking to fly, book your flight on a Tuesday morning.  According to data analyses performed by Skyscanner, airlines mark down flight prices by 15-25 percent late Monday evening. By Tuesday morning, competing airlines will offer matching or lower prices, giving you the best selection of affordable flights. 

For a terrific way to end your Tuesday, go see a movie. Tickets to the latest blockbusters are usually discounted during the mid-week slump. 

Wednesdays: Groceries, discounted apparel and fuel 

The best time to shop for groceries is on Wednesday. Most supermarkets roll out their new sale events on this day, rearrange aisle end-caps and set out a fresh display of produce. They’ll also slap discounts on perishable products that are left over from the beginning of the week but are still days away from their sell-by dates. Shop early for the best pickings. 

If you’re a fan of discounted quality clothing, you’ll want to hit TJ Maxx and Marshalls on Wednesday morning, as this is when these stores post their new markdowns.  

Fill ‘er up on Wednesday! Weekly gas hikes will take effect over the weekend, often as early as Thursday morning. 

Thursday: Clothing, shoes and handbags 

Get first dibs on weekend clothing sales at big-name stores late on Thursday. Shop for matching footwear with in-store coupons, which also debut on Thursday. Then, complete your new look with a new handbag, which see online discounts each Thursday. 

Friday: Accessories 

Online accessories, like costume jewelry, belts, and scarves, see an average discount of 42 percent on Fridays.  

Saturday: Yard sale treasures 

Saturdays are prime time to pick up treasures at neighborhood yard sales. You’ll score the hottest deals later in the day when the owners are itching to get rid of their wares. 

Your Turn: Is there a weekday shopping hack we missed? Tell us about it in the comments!

SOURCES:

https://www.thekrazycouponlady.com/tips/money/back-to-school-shopping-hacks.amp.html

https://www.aol.com/article/lifestyle/2018/07/29/the-best-day-of-the-week-to-go-grocery-shopping/23491169/

https://www.dcrstrategies.com/shopping-guide-best-days-of-the-week-to-buy/

https://www.thekrazycouponlady.com/tips/store-hacks/retailer-clearance-markdown-cheatsheet.amp.html

https://www.rather-be-shopping.com/blog/2014/06/09/insider-tips-on-store-markdowns/

Mutual Credit Union Receives M.A.C. Awards

Press Release

Friday, June 14, 2019

Mutual Credit Union Receives M.A.C. Awards

(Vicksburg, MS): On Friday, May 31, 2019 the Marketing Team of Mutual Credit Union comprised of Susan Mandarino and Lurline Simmons, were recognized as recipients of two awards during the 2019 Annual Marketing Association of Credit Unions Conference in New Orleans, LA. They received the following awards within the Credit Union Asset Size category of $500 million or less:

  • Bronze – Social Media Engagement for their Youth Savings Month Bulletin Board Contest
  • Bronze – Community Engagement for their partnership with the United Way of West Central MS & the Alexander Literacy Program

The Marketing Association of Credit Unions (M.A.C.) was established over 30 years ago by leading marketing professionals within the Credit Union Marketing Industry.  M.A.C. offers opportunities for workshops, professional development and free exchange of ideas across the Marketing industry. The M.A.C. awards program was established in 1986 to celebrate the great work of marketers across the United States. Judges for the M.A.C. awards are experts in the financial industry covering marketing, advertising, media and social media areas.

DSC_0765

(Pictured Left to Right: V.P. of Marketing, Susan Mandarino; Marketing & Communications Specialist, Lurline Simmons; and V. P. of Compliance, Katie Ferrell)

For more information about Mutual Credit Union please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226.

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Press Release M.A.C. Conference Awards

What Features Should I Look for in a New Car

Keys to a new car

Q: How do I decide which features to look for in a new car, and which to skip? 

A: Shopping for a car doesn’t have to be complicated. To help you out, we’ve created a list of key features to consider in your new car, and a list of features you can skip. 

Must-have safety features 

  • 360-degree camera: This camera gives drivers a bird’s-eye view of the area around the car.
  • Evasive steering: This feature provides additional steering support when you’re in danger of colliding with another vehicle, and your own steering efforts are insufficient.
  • Forward collision warning: Drivers get a visual and/or audible alert when their vehicle is heading toward a forward collision.
  • Blind spot alert: This feature alerts the driver when there is an object or pedestrian in direct line of their blind spot.
  • Automatic emergency braking: Stay safe with this feature, which automatically applies the brakes when it senses a vehicle in your car’s way. Some systems include pedestrian detection as well.

Convenient features 

  • Automatic key-less entry: This feature automatically unlocks a car’s doors when it senses a nearby fob.
  • Power tailgate: This feature for pickup trucks and SUVs lets you lower and raise your tailgate with the push of a button.
  • Multi-zone climate system: Family road trips are peaceful again with this feature, which allows for different climate controls throughout the car.
  • Speedy USB-charging outlets: No more unbearable waits for your gadgets to power up with this super-speedy USB port.  
  • Heated steering wheel and driver’s seat: This one is for those frosty mornings when your car can’t get warm fast enough.
  • Wireless charging pad: Just place your phone on one of these pads and it will start powering up.

Fun-to-have features 

  • Home assist device connectivity: Some new cars allow you to use remote voice control with home assist technologies, like Alexa, for your car.
  • Rear entertainment systems: This feature gives the rear seat of your car a completely separate entertainment system.
  • Android Auto and Apple CarPlay: These features sync your smartphone’s interface with your car’s infotainment system for easier phone control.

Features you can skip 

  • Bigger wheels and thinner tires: The ride will be less comfortable and your wheels will be more prone to damage from potholes.
  • Built-in navigation systems: You know you’re going to use Waze or another Maps app on your phone most of the time anyway. Also, most built-in navigation systems require constant updates.
  • Lane keeping assist: This feature automatically steers or brakes your car when you cross a lane marking without turning on a blinker. In real life, though, it can be annoying as you’ll often need to cross a lane marker for good reason, like moving over for an emergency vehicle.

Before you start shopping, call, click, or stop by Mutual Credit Union to hear all about our new auto loans.

Mutual Auto Loans

Your Turn: Did you buy a new car recently? Tell us about the features you chose in the comments below.

 

SOURCES:

https://www.consumerreports.org/automotive-technology/must-have-features-to-get-in-next-new-car/

https://www.hotcars.com/must-have-car-features-for-2019/

https://cars.usnews.com/cars-trucks/cars-with-the-most-high-tech-features-for-the-money

6 Ways to Save On Summer Vacation

Family packing for vacation

 

  1. Time it right. Experts say the sweet spot for cheapest flight booking is 54 days before your travel date.
  2. Clear your cache before every new flight searchThis way, airlines can’t access your browser history and inflate the prices they offer you.
  3. Sweet-talk your way to savings. Ask for an upgrade at the check-in counter. About 78% of hotel guests who request an upgrade at the front desk actually get one.
  4. Never pay full priceCheck sites like coupondivas.com, entertainment.com and Groupon.com for deep discounts at local eateries and entertainment centers.
  5. Freebie fun. Search local sites and blogs for write-ups about free things to do near your destination.
  6. Save your mega event for the last day. Finish your vacation on a high note by saving your most exciting event for the last day of your trip.

Your Turn: How do you save big while getting the most out of your summer vacation? Share your best hacks with us in the comments!

WORD OF THE MONTH: BUDGET

Teacher working with student

David’s friend, Mikey, had the most awesome basement ever. It had a ping-pong table, a foosball table and an air hockey table. That’s why David loved going over to Mikey’s house to play.

But David wanted an air-hockey table of his own.

“Can we get one, Mom? Please?” he asked his mom one day after coming home from Mikey’s.

Mom shook her head. “Not now, David. Air  hockey tables are fun, but they’re also expensive.”

“So what?” David cried. “Why can’t we buy something expensive, just this once?”

Mom pushed back her chair and stood up. She walked over to a kitchen drawer and pulled it open. She took a bunch of papers and checks out of the drawer and motioned for David to come join her at the table.

“Let me show you something,” she said. Mom started dividing the papers into two separate piles.

“These are our bills,” she said, patting the larger pile. “And these are our paychecks.”

Mom took out a piece paper and drew a line down the middle.

“Look, David,” she said. “On this side, I’m going to write all of our expenses and on the other side I’m going to write our income.”

“You mean like how much money you and Dad get paid?”

“That’s right,” said Mom. “I’m not going to tell you the actual numbers, just an estimate so you get an idea.”

“Why won’t you tell me the real numbers?” David was curious.

Mom smiled. “Because there are some things you don’t need to know about just yet. You’ll have to do all this when you’re older, but for now, you can learn about it without knowing the actual amounts.”

Mom started listing items:

  • Mortgage payment
  • Credit card bills
  • Phone and internet bill
  • Electric bill
  • Gas bill
  • Insurance payments
  • Car payments
  • Cable
  • Gym membership
  • Groceries

There were so many expenses! Next to each item, she put a small number.

Then she wrote a few larger numbers on the other column.

“You see this, David?” she said, holding up the paper. “This is called a budget.”

She pointed at the longer column. “This is the amount of money we need to spend on certain expenses each month.”

Then, she pointed at the shorter column. “And this is the money we have to work with each month.”

“But how do you figure out how much money you need for everything?” David asked.

“That’s where the budget comes in,” mom explained. “I set aside the amount we need for our fixed expenses—that’s stuff that costs the same amount each month—and then I set a little bit aside for the expenses that cost a different amount each month.”

“But how do you know how much to set aside if it always changes?”

“I take an average of a few months and use that number.” Mom pointed to Groceries: $350.

“But you see,” she continued, “I only have a little bit for extra expenses we don’t have all the time, like new shoes or winter coats, or household repairs.”

“And air hockey tables,” David added.

“And air hockey tables,” mom grinned. “That’s not on our budget.”

David was thinking. “But what would happen if we bought one anyway?” he asked.

“That would really mess us up this month,” Mom said. “It’s not planned, and we don’t have enough money in our budget to cover it. We might not be able to pay the electric bill this month, or make a payment on the car if we spent that money on the air hockey table. Do you understand?”

David nodded. “Does that mean there’s no way I can get an air hockey table?”

Mom laughed. “You can—just not right now! We can save up for one together. How about we build a save-up-for-air-hockey-table plan into our budget together? We can think of ways to cut back on our budget and use that extra money to put into an air hockey fund.”

“Sounds good!” David smiled.

He bent over mom’s paper and after 15 minutes of discussion and writing, they had a plan in place. It would take a few months for it to happen, but they had a plan to make it work.

David was happy that mom had taken the time to explain how budgets work. He knew he would have his air hockey table soon. After all, it was part of the budget!

Talking points:

  • Why is it so important to stick to a budget?
  • What would happen if David’s mom bought the air hockey table without a plan?
  • How long do you think it will take David and his mom to save up for an air hockey table?

7 Ways to Save Money on Camping

Family camping

 

Q: I’m planning a camping trip for the summer, and I’d love to keep the trip as low-cost as possible. How can I cut down on camping costs? 

A: It’s great that you’re looking for ways to trim your vacation expenses. We can help! Read on for seven ways to save on camping costs. 

1. Save on location 

Nightly rates for camping sites can cost a pretty penny during peak camping season. But why pay the fee when you can camp for free? You can find a campground where you can pitch your tent or park your RV at no cost, on Freecampsites.net or Campendium.com. 

Another great option is to camp at a national forest. You’ll be charged an entrance fee as well as an amenity fee, but you’re free to stay anywhere on these grounds as long as you follow park guidelines. If you’re a frequent camper, consider purchasing a National Parks and Federal Recreational Lands annual pass. For just $80 a year, or $20 for individuals age 62 and older, you’ll have access to more than 2,000 national parks and national wildlife refuges. The pass covers entrance fees, parking fees, amenity fees and more. If you’re currently a member of the U.S. military, you and your dependents are entitled to a free annual pass. 

Finally, if your schedule allows, consider mid-week camping. Lots of campgrounds offer lower prices on off-peak days. 

2. Consider “workamping” 

If you don’t live near a national park and you’d love a free stay, “workamping” can be a terrific option. Lots of campsites and RV parks are now offering this choice: For a bit of hard work, you’ll be granted free access to the campgrounds. You might even walk away with some extra cash in your pocket! 

3. Rent or borrow camping gear 

High-quality camping gear such as tents, sleeping bags, camping stoves and camping clothes can cost a pretty penny. In fact, according to the American Camper Report from Coleman Company, adult campers spent an average of $546 on camping gear in 2016. 

You can have your gear and your budget, too, by double-thinking the purchase of brand-new gear. Are you a frequent camper? If not, does it really pay to spend big bucks on specialized equipment you’ll only use once or twice a year? If you have friends who practically live in a tent or RV, ask about borrowing their equipment for your trip. Otherwise, consider renting the gear you need from companies like REI Co-op. If you’d rather have your own equipment, check out sites like Switchback Gear Exchange for gently used camping paraphernalia at terrific prices. 

4. Skip the prepackaged meals 

Yes, they might be super-convenient, but they’re also super-expensive. Save a ton on food costs this trip by ditching the prepackaged meals. You can find loads of ideas for easy camping meals you can cook over a fire by doing a quick Google search. Often, all you need is some basic food supplies and a roll of aluminum foil! 

5. Share meal prep 

If you always camp as a group, take full advantage by sharing the meal prep. Divide the meals completely, having each family be fully responsible for several meals. Alternatively, you can create a master list of supplies and food and then divide and conquer. This way, only one of you needs to bring small packets of ketchup and a jug of maple syrup, while another one brings the coffee and salt. The packing and meal prep are a whole lot easier when they’re shared! 

6. Pack like you’re being marooned on an island 

Don’t set out on your trip until you’ve checked that you’ve packed everything on your list at least three times. It will take a few extra minutes, but it’s worth the time and effort. You don’t want to be forced to pay inflated small-town convenience store prices for forgotten items like bandages or batteries. 

To keep it simpler, create a master list of everything you need to bring on a camping trip. Make a digital and physical copy of the list. When you return from your trip, review the list and edit it according to how it all went down. Do you need to bring more paper cups next time? Did you overdo it on the ice? Adjust as necessary. Before your next trip, use the list when packing so that you don’t forget a single item. 

7. Check out free camping activities on your campsite 

Many campgrounds feature boat rentals of all kinds, but they can be pricey. Enjoy every minute of your camping trip by exploring walking trails, fishing and bike riding along a forest path. Don’t forget to pack some board games and books for rainy days. 

Use these tips when planning your trip and you’ll save big on costs without compromising on the camping experience. Here’s wishing you the camping trip of a lifetime, from all of us here at Mutual Credit Union! 

Your Turn: Have some camping hacks that save on costs? Share your best tips with us in the comments!

 

SOURCES:

http://bargainbabe.com/20-quick-tips-to-save-money-camping/

https://www.google.com/amp/s/www.thepennyhoarder.com/smart-money/camping-on-a-budget-how-to-save-money-on-your-next-trip/amp/

https://www.google.com/amp/s/www.budgettravel.com/article/save-money-camping/amp

https://axleaddict.com/rvs/CampingForCheapskates

9 Steps to Buying Your First Car

CC_July_GettyImages-183212513-768x576

Congrats—you’re ready to purchase your first real car! 

The process can be daunting, but our certified financial counselors and loan officers here at Mutual Credit Union will walk you through it. Follow our guidelines for a stress-free ride! 

1. Determine if you really need a car 

OK, you weren’t expecting this, but it’s important to take a step back to review your actual transportation needs. Lots of college towns have a great bus system in place, which can save you loads on car costs. If you have a car-owning good friend you’ll be riding into town with each weekend, it may not pay for you to have your own set of wheels. Also, if your campus has everything you need within walking distance, it can be cheaper to rent a car when you need it instead of buying one now. 

2. Know your budget

If you’ve determined that a car purchase is necessary at this point in your life, don’t start hunting for your dream car until you’ve worked out a realistic budget. Take a hard look at your other monthly expenses to see how much you can spare for a new set of wheels. Don’t forget to include some cash for auto insurance, gas and maintenance. 

3. Create a tentative wish list 

This is your first car, so it doesn’t need to have all the bells and whistles it does in your dreams. Sit down and make a list of all the “must haves” and “wants” you’re looking for in a vehicle. Determine how much each feature would cost you in a car and decide which are really important. 

4. Obtain financing 

If you’ve been saving up cash for your first car all through high school, you’re set! Otherwise, visit any Mutual Branch location or visit our web-page at  mutualcu.org to learn about your auto loan options and to get your pre-approval. 

5. Research your options 

You’re ready to start looking for a vehicle that will satisfy your needs and wants. You can research ratings and user reviews on sites like Cars.com and create another list that contains your top three choices of car makes and models. 

6.    Look up listings 

Start scavenging for listings of your car choices online and in your neighborhood. Once you’ve found several that might work, research their histories on Carfax.com and then contact the seller to set up a test drive. 

7.    Take it for a spin 

If a car checks out and everything looks good, you’re going to want to take it for a test drive. Pay attention to details like legroom, acceleration, brake functionality and more while you drive. 

8. Have it inspected 

If you’re purchasing a used vehicle, it’s best to have it inspected by a mechanic before signing on the deal. 

9. Make it official 

If your car has passed the test drive and inspection, you’re ready to make it official! Be sure to read all documents before signing and obtain insurance before your first joyride. 

Enjoy your new set of wheels and drive safely! 

Your Turn: Have you recently purchased your first set of wheels? Share your tips with us in the comments!

 

SOURCES:

https://www.carbuyingtips.com/first-time-buyer.htm

https://www.edmunds.com/car-buying/10-steps-to-buying-a-used-car.html

https://www.carbuyingtips.com/used.htm 

ATTENTION TEACHERS: ENTER OUR APRIL BULLETIN BOARD CONTEST

You Could Win $200 for Your Classroom!

CONTEST BEGINS APRIL 8, 2019 AT 8:00 A.M

Five Educators will be selected as winners of the $200 for their classroom. To be eligible to enter and to win you must teach children in grades Pre-K thru 12th in either Warren, Hinds, Yazoo, Issaquena, Sharkey, Claiborne or Copiah Counties.

To enter, simply submit a photo of your decorated door or bulletin board in your classroom to marketing@mutualcu.org. Please supply us with your name, your grade, and your school. If you would like to say anyBulletin Board Contest 2019thing about your bulletin board you may do so in the email. Once your entry is received, it will be compiled into one album on the Mutual Credit Union Facebook page labeled “2019 Mutual Credit Union Bulletin Board Contest.” Please encourage your friends to vote for your entry by “liking” your submitted picture located in the photo album. Entries are due to marketing@mutualcu.org by April 6th at 8:00 p.m.

The Facebook Contest begins on April 8th at 8:00 a.m.

As a bonus, eligible Voters in the contest will randomly be selected to win a Mutual Credit Union Prize Pack! To be eligible for the Prize Pack, you must follow the Mutual Credit Union Facebook page and “like” a picture in the contest.  Random prize packs will be awarded throughout the contest month (April).

Our Bulletin Board contest is just one part of  many celebrations planned during the month of April – Youth Savings Month. Look for us out in the community bringing Financial Literacy Tools to our Youth!

At Mutual Credit Union “Our Focus is You!”

Bulletin Board Contest 2019

 

FAQ’s

Does my door/bulletin board have to be a youth savings theme? No, your door or bulletin board can feature any subject area or topic.

What file format is acceptable to email? Please email your image in either a jpg or png file format. Please contact us at marketing@mutualcu.org if you are having issues emailing your image.

Can my students decorate/plan the board or is only teacher created? It can be the Teachers creation, combination of student and teacher lead or completely student driven. Be sure when you submit your entry that you let us know so we can mention in your entry.

How do I know if my entry was received? You will receive a confirmation email back from lsimmons@mutualcu.org once your submission is received. If you do not, please email lsimmons@mutualcu.org with your concern or call 601-636-7523 ext. 1220.

When will the winners be announced and awards presented? The contest concludes on April 30th. Winners will be announced by the end of that week (May 1-May 3) on the Mutual Credit Union Facebook page. Arrangements will be made after that to present to each of the five (5) winners at their school location.

If you have any additional questions, please feel free to email marketing@mutualcu.org or give us a call at 601-636-7523 ext. 1220.

Best of Luck to All 🍀