5 Ways to Flex into Financial Fitness | Cinfed Credit Union

Money Matters for Cinfed Members

5 Ways to Flex into Financial Fitness

Think your way to a healthier balance

Posted on January 09, 2020
Topic Categories: Consumer Help

Man thinking about getting fit

By Coach Fin

A new year marks new beginnings and new goals. Improving financial fitness is a common resolution, with goals to spend less, save more and reduce debt. Great goals, but how do you get there?

The secret to building financial muscle starts with the way you think about money. Changing your thoughts can help you stay committed — and successful — all year long. Know which thoughts threaten to derail you and how you can flex your thinking to benefit your bottom line.

Here are five examples.

1. Old thought: My ________ is old. I want a new one.

Financial flex: My ________ still works because I’ve taken care of it. I’m proud of that and I don’t need a new one to be happy. There’s always going to be a newer model. I can wait until this purchase is truly needed.

2. Old thought: I want _______ but I don’t have the cash on hand. I’ll charge it and make monthly payments.

Financial flex: I’d like to have _______ but it’s not worth paying the price — plus interest! I’ll keep an eye out for a great deal on a gently used one. I bet I can find one for half price or better.

3. Old thought: I love my daily/weekly/monthly treat. I work hard and I deserve this small treat.

Financial flex: This is more of a daily/weekly/monthly habit than a treat. It doesn’t cost much, but over time it really adds up. I’d rather save that amount to put towards something better, like vacation, an emergency fund or paying off debt faster to save on interest.

4. Old thought: I saved $X! Now I can get what I wanted!

Financial flex: I saved my goal amount. I can do this! Why spend it now and be back where I started? This is just the financial brick I need to build a stronger future.

5. Old thought: Life is short; why not enjoy things now?

Financial flex: Life is short and I should enjoy it. But overspending or staying in debt isn’t enjoyable. It just adds stress to my life. Besides, I don’t need stuff to make me happy. I can take care of myself and my loved ones in other ways.

How do you think about spending, saving and investing? What thoughts could you shift to be more financially fit? If you need ideas or help planning how to reach your goals, you can talk to a financial coach at any Cinfed branch, visit our online Financial Education Center or attend a Skill Session in person.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

NOTE: You are leaving Cinfed Credit Union's web site. Cinfed is not responsible for content or security policies of this external, linked web site.