Most people have felt it at some point. A surprise bill shows up. The car needs repairs. Work hours change. Suddenly, financial stress starts affecting everything, including sleep, focus, and even healthcare decisions.

Financial wellness is not about being wealthy or having a perfect budget. It is about having enough control and stability to handle everyday expenses without constant worry.

Here are a few practical steps you can take to make finances feel more manageable over time.

Know where your money is going

Start with a simple review of income and expenses. Many people are surprised by how small recurring costs add up.

Small adjustments can free up money for essentials, savings or paying down debt. The goal is not restriction. It is clarity and control.

Build a small safety cushion

Unexpected expenses happen to everyone. Medical costs, car repairs or sudden schedule changes can quickly disrupt finances.

Saving even a small amount regularly helps. Over time, that cushion can help avoid high-interest debt when surprises occur.

Use tools that make money easier to manage

Digital banking tools make it easier to stay organized and avoid surprises. Many allow you to:

• Check balances anytime
• Pay bills online
• Deposit checks without visiting a branch
• Set alerts to avoid missed payments or overdrafts
• Budgeting software

Small conveniences can make managing money feel less overwhelming, especially during busy or stressful periods.

Take Advantage of Free Support Around You

If something is confusing or feels overwhelming, you are not alone. Many community partners, healthcare providers and financial institutions offer free financial guidance to help people understand their options and make confident decisions. Reaching out early can save time, money and stress.

Small steps add up

No one gets everything right with money. But small, consistent steps can reduce financial stress and make it easier to focus on health, work and long-term goals.

A little planning and the right support can help life feel more manageable, leaving more energy for what matters most.

Here, when you need support

If you have questions about managing your money, building savings or setting up everyday banking tools, Frontwave Credit Union is here to help. Real people are ready to listen, answer questions and help you build a plan that fits your life.

Visit a branch, connect online or give us a call to learn more about tools and resources available to you. Because when finances feel more manageable, everything else gets a little easier.

That’s how Frontwave serves Members and the communities around them. Because people helping people still matters.

$350 When You Switch*

We’re putting $350 behind what we believe in…you! When you join Frontwave, open checking and savings accounts, sign up for eStatements and set up qualifying direct deposits, you’ll get more than just a bonus. You’ll get a crew that’s got your back for the long haul.

Dream big. We got you.

Learn more or join today at frontwavecu.com

About Frontwave Credit Union

Frontwave Credit Union is the trusted financial partner of TrueCare, offering smarter banking, real savings, and personalized support. Employees and patients enjoy no-fee checking, exclusive member perks, and access to 5,000+ shared branches and 30,000+ fee-free ATMs nationwide. With 1-on-1 coaching and 24/7 mobile banking, managing your money has never been easier.

*Membership and promotional requirements apply. See frontwavecu.com/new-member for details.