Valley First

Financial Resolutions That Stick

Valley First helps make your financial resolutions stick
January 8, 2013

Penticton, B.C.—After a holiday season of over indulgence, it’s time to break bad habits. For many, this means focusing on the three Fs of New Year’s resolutions—food, fitness and finances.

“At this time of year, there are a lot of people trying to trim their waistlines or live a healthier lifestyle,” says Valley First branch manager Kevin McCarron. “However, with debt loads at record highs and pushing higher by the day, personal finances will be in the spotlight. The New Year signals new beginnings. It’s the perfect time to give your financial health a checkup.”

Regardless of what resolution you focus on in 2013, achieving success relies on a few common factors; priority, commitment and accountability. According to McCarron, getting your finances in order should top the priority list.

“I often hear people say they can’t fix their finances because it’s too complicated or too daunting,” says McCarron. “When I hear this I think of the saying about a thousand mile journey beginning with a single step. It can be done, one step at a time. People have got to make financial change a priority. They have to be prepared to take the first step.”

Committing to better financial behaviour is admirable, says McCarron, however he also acknowledges it can be difficult to follow through, especially as the holiday season bills start rolling in. Fortunately, help is never far away.

“Like any big change, it’s easier to achieve success with the help of an expert,” says McCarron. “At Valley First, our team doesn’t just open accounts or arrange mortgages; we provide the financial advice our members need to achieve their financial goals. From budgeting to investing to debt reduction, we can help you work out how to get there.”

McCarron believes the added advantage of meeting with a professional is the accountability factor that is often missing with so many of our other resolutions.

“We can tell ourselves we will change, but how often do we really follow through,” says McCarron. “I like to think of the financial advisor as a personal trainer for your finances. He or she is the person that will help you set your goals, and meet with you regularly to ensure you are staying on track.

“You should never underestimate the value of expert advice. Even something as simple as putting pen to paper with your goals has been shown to increase the likelihood of success. I encourage everyone to visit one of the experts at Valley First and set a financial resolution.”

About Valley First

Valley First is a division of First West Credit Union, B.C.'s third-largest credit union, which has 38 branches and 29 insurance offices throughout the Lower Mainland, Fraser Valley, Kitimat and Okanagan, Similkameen and Thompson valleys. First West has approximately $6.6 billion in assets under administration, 169,000 members and 1,300 employees.

Have a question? We can provide you with the information you're looking for.


Use our contact form to send us a message—we'll be sure to reply to you with the details you're looking for shortly.

In Person

If you're more comfortable coming in to see us, we'd be happy to chat with you about the questions you have.

By Phone

If you’d like to call us, here is a complete list of our branch and insurance office numbers.



Social Feed

Visit us on Facebook or Twitter

Sign up for our e-Newsletter