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Community Giving: Charity Starts Here

November 28, 2016

Volunteers deliver Thanksgiving dinnersIt’s important to be involved in and support your community whenever you can. Our efforts throughout the year include developing partnerships with area organizations for greater impact. Kids Oneida is one such organization. They are a unique home- and community-based not-for-profit network that provides individualized and non-traditional services to our highest risk youth—those with social, emotional, and behavioral challenges.

Working with at-risk youth and their families, Kids Oneida has consistently been able to divert out-of-home placements, keeping children with their families, and in their homes, communities, and schools. They accomplish this through a variety of programs designed to meet the needs of families and children in Oneida and Herkimer Counties. Using the “wraparound” treatment philosophy, these programs range from very intensive to less restrictive.

First Source is proud to have helped Kids Oneida for many years through corporate funding, volunteering, and personal employee donations. Funding has gone toward maintaining programs and services; volunteers have helped feed more than 100 families Thanksgiving dinner; and personal employee donations go toward “adopted” families each holiday season, providing gifts where there otherwise might not be any. Over the past 6 years, we have adopted 136 children from 48 different families.

In 2016, we’re proud to have given almost $3,000 in corporate funding to this great organization. In addition, we’re providing gifts to needy families, adopting 28 children from 8 families.

Please consider joining us this year. Together we can do so much more!

Posted in: Blogs, Posts

Holiday Loan: Is it Right for You?

November 16, 2016

Mother and daughter buying Christmas itemsThe holidays are coming, and the expenses can add up. Presents for family and friends, out of town travel, extra groceries for the big family meals, and even wrapping paper and shipping costs, all add up. We don’t want you to stress about the post-holiday credit card bill surprise. A Holiday Loan could be the answer, allowing you to focus on what matters most: your loved ones.

If you’re considering applying for a Holiday Loan to help cover your expenses, review this list to help you decide if it’s the right choice for you. If you have any questions, simply make an appointment with us, and we can help you work through the entire decision process.

1. Have you budgeted properly?

It’s always helpful to have a budget for your holiday spending. Make sure to include not only gifts, but travel, food, decorating, and other relevant expenses. If your budget is sound and you’re still not able to cover expenses, a Holiday Loan may be the answer.

2. Do you know how much you’re able to repay?

This one seems obvious, but some people don’t consider it: you should only borrow as much as you’re able to repay. Borrowing can save your holiday, but taking on too much debt won’t help. Make sure you know how to accommodate the new loan in your monthly expenses. If you’re not sure how to figure this out, we can help!

3. Do you know exactly how much you need?

Another pretty obvious one. It’s tempting to consider borrowing more than you need, so you can have a little extra funding for the unexpected, but it’s never worth it. Figure out what you’ll need to cover your holiday expenses, and stick to that amount. Again, if it fits into your repayment budget, consider a Holiday Loan.

4. Do you have a spending plan for the loan amount?

Have a spending plan in mind, and resist impulse purchases. Know what you consider acceptable, and what’s not part of your plan, and stay within the limits of your available funds.

If you’re ready to apply, it’s time to plan ahead and get started. That way you can apply, and if approved, get your cash in time for everything you need, well before the last minute! Call us today at 315.735.8571 to make an appointment.

Posted in: Blog Posts

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