Alternatives Federal Credit Union

Ever made a money decision you regretted — not because you didn't have the math, but because you were stressed, pressured, or just running on autopilot?

BALANCE is hosting a free webinar this July to help you slow down and make financial choices that actually reflect what matters to you.

You'll learn how to:
• Recognize how emotions and habits shape your money decisions
• Pause and think clearly — even under pressure
• Align your choices with your values and your wellbeing

📅 July 8 | Choose 1:30pm or 5:00pm

💚 Bonus: This is a "Webinar for the Win" session. Attend and opt in for a chance to win $1,000.

The more sessions you attend this summer, the more entries you earn. Contest runs June 1–August 31, 2026.

Register free → alternatives.bebalanced.org/webinars

💚 Business of the Month — Morse Hauling and Junk Removal

Gavin and Kaden Morse started with one pickup truck, a trailer, and a simple promise: show up when they say they will. Less than a year later, they're a full-service hauling and junk removal operation serving the Twin Tiers, Ithaca, and the surrounding area.

What makes their story stand out isn't just how fast they've grown — it's how they got here. When their financing needs changed, and then changed again, Alternatives rolled with every pivot. No friction. No starting over. Just flexible support that fit how a real small business actually works.

Need something hauled, cleared out, or cleaned up? These are your people.

👉 https://morsejunk.com/

Thinking about starting or growing your own business? Email [email protected] to learn more about our small business lending.

A budget that actually works isn't about cutting everything you enjoy. It's about knowing where your money is going — and deciding if that's where you want it to go.

BALANCE is hosting a free webinar this July to help you build a spending plan that fits your real life.

You'll learn how to:
• Set short- and long-term financial goals
• Allocate your income on purpose
• Build a budget that you can actually stick to

Two sessions to choose from:

📅 July 7 | 1:30pm EDT
📅 July 16 | 5:00pm EDT

Register free → alternatives.bebalanced.org/webinars