How to Save Money on Maternity Items

Posted on February 20, 2026 by Chief Marketing Officer Jessica

Welcoming a baby is an exciting, and often expensive, life milestone. One area that can quietly add up is maternity clothing. Because changes take place quickly and pieces may be worn for only a short period of time, it can feel difficult to justify spending money on a temporary wardrobe. The good news? With a few thoughtful strategies – you can stay comfortable, confident, and financially mindful throughout your pregnancy.

Here are a few ways to save money on maternity clothes and other pregnancy essentials.

1. Start With What You Already Own

Before purchasing new maternity items, take inventory of your current wardrobe. Many non-maternity pieces can work beautifully during pregnancy – flowy tops, oversized sweaters, stretchy leggings, maxi dresses, and open cardigans. You may be surprised at how long you can make your existing wardrobe work with just a little creativity. Stretchy fabrics and layered looks can carry you through multiple trimesters without requiring a full wardrobe overhaul.

2. Wait Before Buying Everything at Once

It can be tempting to shop right away, but your body will continue to change over several months. Instead of buying a large maternity wardrobe early on, consider waiting until you truly need specific pieces. This helps you avoid purchasing items that may not fit comfortably later and keeps you focused on essentials rather than impulse buys. Buying gradually allows you to better assess what you actually wear and need.

3. Explore Secondhand Options

One of the most effective ways to save is through gently used maternity clothes. Consider:

Local thrift or consignment stores
Online resale platforms
Neighborhood and community social media groups

Maternity clothes are often lightly worn, making secondhand options both affordable and practical. Many parents are often happy to pass along items they no longer need.

4. Say Yes to Hand-Me-Downs

Hand-me-downs aren’t just for baby clothes. Friends, family members, or coworkers who have recently been pregnant may still have maternity clothing stored away. Accepting these items can significantly reduce your expenses and you can always pay it forward when you’re finished with them. Some communities even create informal swaps among expecting parents.

5. Shop Sales and Clearance Strategically

If you do purchase new maternity clothes, timing matters. Look for:

Seasonal clearance sections
End-of-season sales
Outlet pricing
Promotional discounts

Focus on versatile basics such as one or two comfortable pairs of maternity leggings, a few tops, and a neutral dress that can be mixed and matched into multiple outfits. A small “capsule wardrobe” often works better than buying many single-use pieces.

6. Use Simple Tools to Extend What You Have

Small accessories can make a big difference. Waistband extenders, belly bands, and layering pieces can help your pre-pregnancy pants and tops last longer. These inexpensive items may allow you to delay purchasing maternity-specific clothing altogether.

7. Keep the Big Picture in Mind

Maternity clothing is temporary. While it’s important to feel comfortable during pregnancy, it’s equally important to prioritize long-term financial goals as you prepare for your growing family. Being intentional with maternity purchases frees up room in your budget for future needs – such as baby essentials, childcare planning, and building savings.

First Financial is Here to Help

Preparing for a new baby brings joy, along with new financial considerations. Saving on maternity items is one way to stay mindful of your budget as you prepare for this next chapter. At First Financial, we’re proud to support families during every life stage. Whether you’re looking to strengthen your savings, build an emergency fund, or create a financial plan for your growing household – our team is here to help you make confident, informed financial decisions.

Explore our savings options, budgeting tools, and resources or connect with a team member today to start planning for your family’s financial future. We’re happy to help!

Budget Check Up: Tax Time Is the Right Time

Posted on February 17, 2026 by Chief Marketing Officer Jessica

Every year, about 140 million households file their federal tax returns. For many, the process involves digging through shoe boxes or manila folders full of receipts; gathering mortgage, retirement, and investment account statements; and relying on computer software to take advantage of every tax break the code permits.¹

It seems a shame not to make the most of all that effort.

Tax preparation may be the only time of year when many households gather all their financial information in one place. That makes it a perfect time to take a critical look at how much money is coming in and where it’s all going. In other words, this is a great time to give the household budget a checkup.

Six Step Process

A thorough budget checkup involves six steps.

Creating Some Categories. Start by dividing expenses into useful categories. Some possibilities: home, auto, food, household, debt, clothes, pets, entertainment, and charity. Don’t forget savings and investments. It may also be helpful to create subcategories. Housing, for example, can be divided into mortgage, taxes, insurance, utilities, and maintenance.
Following the Money. Go through all the receipts and statements gathered to prepare your taxes and get a better understanding of where the money went last year. Track everything. Be as specific as possible, and don’t forget to account for the cost of any lattes on the way to the office each day.
Projecting Expenses Forward. Knowing how much was spent per budget category can provide a useful template for projecting future expenses. Go through each category. Are expenses likely to rise in the coming year? If so, by how much? The results of this projection will form the basis of a budget for the coming year.
Determining Expected Income. Add together all sources of income. Make sure to use net income.
Doing the Math. It’s time for the moment of truth. Subtract projected expenses from expected income. If expenses exceed income, it may be necessary to consider changes. Prioritize categories and look to reduce those with the lowest importance until the budget is balanced.
Sticking to It. If it’s not in the budget, don’t spend it. If it’s an emergency, make adjustments elsewhere.

Tax time can provide you with an excellent opportunity. You have a chance to give your household budget a thorough checkup. In taking control of your money, you may find you are able to devote more of it to the pursuit of your financial goals.

Need some help with preparing your future financial plan? Contact First Financial’s Investment & Retirement Center by calling 732.312.1534. You can also email mary.laferriere@lpl.com or maureen.mcgreevy@lpl.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

IRS.gov, 2025

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

How Small Businesses Can Use Valentine’s Day to Boost Engagement

Posted on February 13, 2026 by Chief Marketing Officer Jessica

Valentine’s Day is a powerful seasonal opportunity for small businesses to connect with customers, build emotional loyalty, and boost engagement. When approached strategically, the holiday can help businesses stand out, attract new customers, and strengthen relationships that last well beyond February 14th. Here are a few smart ways small businesses can use Valentine’s Day to create meaningful engagement and drive results.

Think Beyond Romantic Love

Valentine’s Day has evolved. Today’s consumers celebrate many forms of love, such as friendships, family, coworkers, pets, and even self-love. Expanding your messaging beyond romantic partners allows your business to appeal to a wider audience and feel more inclusive.

Consider promoting:

Galentine’s Day gifts or experiences.
Self-care services or “treat yourself” offerings.
Gifts for family members or pets.

When customers see your business as part of their meaningful moments, engagement naturally increases.

Create Limited Time Offers

Seasonal promotions give customers a reason to take action. Valentine’s Day is a great time to introduce themed bundles, special pricing, or limited time packages that feel timely and thoughtful.

Ideas may include:

Pairing complementary products or services.
Offering Valentine’s Day gift bundles.
Creating a short-term promotion that encourages early purchases or that lasts throughout this year’s long holiday weekend.

These offers add urgency and keep your business top of mind during a busy shopping period.

Use Social Media to Spark Conversation

Valentine’s Day generates strong activity on social media, making it a great time to engage your audience. Interactive content encourages participation and helps extend your reach organically.

Try these out:

Asking customers to share who or what they love.
Hosting a simple giveaway or themed contest.
Running polls or questions related to Valentine’s plans.

These campaigns help build community while increasing visibility for your brand.

Partner with Other Local Businesses

Collaborating with other local businesses can amplify your Valentine’s impact. Cross-promotions or shared packages introduce your brand to new audiences, while also strengthening relationships within your community.

Examples can include:

Joint promotions with complementary businesses.
Co-hosted events or giveaways.
Shared marketing efforts across social channels or via joint emails.

Local partnerships can make the experience more valuable for customers and reinforce your role in the community.

Personalize Your Messaging

Valentine’s Day is rooted in connection, making it the perfect time to personalize your communication. Thoughtful messages will show customers that you value them beyond the transaction.

This could include:

A Valentine’s Day email with a personalized offer.
Special recognition for loyal customers.
Tailored recommendations based on past purchases or services.

Personal touches help customers feel seen and appreciated, in turn increasing engagement and trust.

Start Early and Stay Consistent

Valentine’s Day marketing works best when it starts early. Many customers plan ahead, especially when it comes to gifts, experiences, or reservations. Beginning your outreach in late January or early February allows you to stay visible and relevant throughout the decision-making process. Multiple touchpoints leading up to the holiday help reinforce your message and keep your business top of mind. If you missed the opportunity this year, save these ideas for next year or another upcoming holiday your business may be able to benefit from in 2026.

Turning Seasonal Moments into Long-Term Growth

Valentine’s Day gives small businesses the opportunity to lean into creativity and emotional connection. When done well, it’s not just about a single day or weekend of sales, it’s about building relationships that support long-term success.

At First Financial, we’re proud to support small businesses as they grow and adapt. Our Business Checking Accounts are designed to help Monmouth and Ocean County business owners manage their cash flow, streamline operations, and prepare for seasonal opportunities. With the right financial tools in place, you can focus more on engaging your customers and building a business you love.

Ready to get started? Visit your local branch, call 732.312.1500, or check out our website to find out how you can become a business member today.*

90 Years Strong: Why Banking Local Still Matters

Posted on February 6, 2026 by Chief Marketing Officer Jessica

In a financial world that’s increasingly digital, fast-moving, and impersonal, one thing has never gone out of style: people helping people.

That simple idea is what sparked the creation of credit unions nearly a century ago, and it’s the same principle that continues to guide First Financial as we prepare to celebrate 90 years of service today on February 6^th!

Pictured above: Tellers and members from our first branch location in Asbury Park, NJ when we were Monmouth County Teachers FCU.

Where Credit Unions Began

Credit unions were born out of necessity. In the early 20th century, many working families and small business owners were shut out of traditional banking. Loans were hard to access, savings options were limited, and financial support often depended on who you knew, not what you needed. Credit unions changed that.

Built by communities, for communities – credit unions were designed to be member-owned, not profit driven. Their mission was clear – to provide fair, affordable financial services and help people build stability, security, and opportunity. That mission still matters today.

The Power of People First Banking

While technology has transformed the way we bank, the value of local, relationship-based financial institutions has only grown stronger.

At First Financial, “putting people first” isn’t just a phrase or a tagline, it’s how business gets done every day. When you become a member, that means you’ll receive:

Personal service from people who know your name, your financial goals, and your community.
Thoughtful lending decisions made locally, not by algorithms or distant headquarters.
Financial guidance rooted in trust, not just transactions.

When you walk into our credit union or connect with us online, you’re not just an account number: You’re a member. An owner. A neighbor.

Investing Where It Matters Most

Local banking keeps dollars circulating close to home. Credit unions are known to reinvest in the communities they serve – supporting local businesses, non-profits, schools, and families. Every loan, every account, and every financial decision contributes to a stronger local economy.

Over the past 90 years, First Financial has grown alongside the people and communities it serves, adapting to changing needs while staying rooted in the same cooperative values that sparked its founding.

Trust Built Over Generations

For nine decades, members have turned to First Financial during life’s biggest moments – buying a home, starting a business, planning their future, and navigating unexpected challenges. Those relationships span generations, creating a legacy of stability and care that larger institutions typically can’t replicate. In an era when financial choices can feel overwhelming, having a trusted local partner makes all the difference.

Honoring the Past, Building the Future

As we celebrate our official 90th anniversary, we’re taking time to reflect on where we’ve been and where we’re going.

This milestone isn’t just about longevity. It’s about resilience, adaptability, and staying true to the values that matter most. Throughout the year ahead, we’ll be celebrating this anniversary with member stories, special promotions, and moments that honor our history while looking toward the future. You can find out all the ways we’ll be celebrating 90 years on our website, which will continuously be updated throughout 2026.

Why Banking Local Still Matters

Ninety years strong is more than a milestone, it’s a reminder that when financial institutions are built on trust, service, and community – everyone benefits. Local decisions create lasting impact, and when people come together with a shared purpose – they can build something that lasts for generations.

Thank you for being part of our story. Here’s to 90 years, and many more to come!

Want to learn more about our journey? Explore our history and the people-first values that have guided us for 90 years.

Not a First Financial member yet but want to join us? First Financial membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties in New Jersey. Learn more about getting started on our website, or stop into any of our branch locations.

*A First Financial membership is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. Click here to view full Rewards First program details. Some restrictions apply, contact the Credit Union for more information.

Virtual Casting Call Scams: What They Are and How to Protect Yourself

Posted on January 30, 2026 by Chief Marketing Officer Jessica

Dreaming of a role in a movie or TV show? Scammers are taking advantage of that excitement through virtual casting call scams, which is a growing form of fraud that can lead to financial loss and identity theft.

These scams often start with an unexpected message from someone claiming to be a “talent scout” offering a virtual audition for a well-known production. While the opportunity may sound exciting, it’s important to know the warning signs before engaging.

How Virtual Casting Call Scams Work

These scams typically follow a predictable pattern. Be cautious if you notice any of the following:

Unexpected Outreach: Victims receive unsolicited texts or messages claiming they were “discovered” and invited to audition, even though they never applied.

Requests for Payment: Before the audition, scammers ask for payment, credit card details, or gift cards to “secure” a spot or cover administrative fees. Legitimate casting calls do not charge audition fees.

High Pressure Virtual Calls: If a virtual audition does take place, scammers often pressure victims into paying for fake photo shoots, acting classes, or priority representation to move forward.

No Opportunity, No Refund: Once payment is made, the scammer typically disappears, leaving victims without a role, services, or their money.

How to Protect Yourself

To reduce your risk:

Don’t respond to unsolicited casting messages.
Never pay upfront for auditions or representation.
Research casting agencies and opportunities independently.
Avoid sharing personal or financial information with unknown contacts.
Use your phone’s tools to block and report suspicious messages.

If something feels off or if it seems too good to be true, trust your instincts.

What to Do if You’ve Been Targeted

If you believe you’ve interacted with a virtual casting call scammer:

Stop communicating immediately with the scammer.
Save messages, receipts, and screenshots for your records.
Contact your financial institution or credit card provider right away to report suspicious or unauthorized charges.
Report the message as spam by forwarding unwanted texts to 7726 (SPAM) or using your phone’s “report junk” option.
Delete the message once it’s been reported.
Report the scam to the FTC at ReportFraud.ftc.gov to help protect others.

Acting quickly can help limit financial damage and stop scammers from targeting more people.

The Final Takeaway

Virtual casting call scams prey on excitement and opportunity, but awareness is your best defense. Knowing the red flags and taking steps to protect your financial information can help you avoid becoming a victim.

If you ever have concerns about fraud or suspicious transactions on your First Financial accounts – we’re here to help. Contact us with any questions.

Teaching Kids About Entrepreneurship: Skills That Last a Lifetime

Posted on January 23, 2026 by Chief Marketing Officer Jessica

In a rapidly changing world, giving children tools to succeed goes beyond traditional schooling. Introducing kids to the basics of starting and running a business is more than just teaching them how to set up a lemonade stand. It helps build a foundation of financial understanding, critical thinking, creativity, and confidence that can benefit them in school, work, and life.

Why Entrepreneurship Matters for Kids

At its core, entrepreneurship teaches children how to think, not just what to think. Kids who explore business concepts learn to identify problems, consider solutions, and make decisions based on real world feedback. These are skills that matter well beyond a simple business venture.

Problem Solving and Creativity: Working through a business idea encourages kids to think creatively and solve challenges, whether it’s deciding what to sell or how to market it.
Responsibility and Decision Making: Entrepreneurship involves choices, from pricing products to budgeting expenses. Making these decisions helps children gain a sense of responsibility and ownership.
Confidence and Initiative: Seeing an idea come to life can boost a child’s confidence and reinforce the value of perseverance.
Real World Financial Awareness: Starting a mini business teaches fundamental financial concepts like earning, saving, costs, and profits in a hands-on way that complements traditional financial literacy education.

Simple Ways to Introduce Entrepreneurship

Introducing children to entrepreneurship doesn’t have to be complicated. Here are several approachable ways to get started:

Start with their Interests: Choose business ideas that align with what your child already enjoys – including hobbies, crafts, games, or services they’re excited about. This keeps motivation high and learning natural.
Hands On Projects: Encourage small-scale projects like a neighborhood lemonade stand, craft sales, or selling handmade cards. These activities let kids experience the full cycle of planning, producing, and selling.
Talk Through the Big Concepts: Use everyday opportunities to discuss basic entrepreneurial concepts, such as what it means to take a risk, how pricing works, and why saving matters. These conversations build foundational knowledge over time.
Learn through Play and Games: Games, stories, and simulations – whether it’s managing a pretend shop or budgeting with play money, can reinforce entrepreneurial thinking in age-appropriate ways.
Reflect on the Experience: After each activity, ask your child what they learned, what worked well, and what they might do differently next time. These reflections help them internalize lessons and build critical thinking skills.

Life Skills Beyond Business

Even if your child never runs a full-fledged business, entrepreneurial experiences teach versatile life skills. Children can develop adaptability, communication, leadership, and resilience – which are qualities that will help them navigate school challenges and future careers.

Entrepreneurship also reinforces financial literacy and understanding money in tangible ways rather than abstract terms. Concepts like earning, saving, spending, and reinvesting become real when children manage their own small ventures. Learn more about the benefits of early entrepreneurship here. By combining experiential learning with supportive financial tools, parents can equip their children with skills that will benefit them for years to come.

Start Early with Financial Tools that Support Learning

One practical step that families can take to reinforce financial learning, is helping children open their first savings account (like a First Financial First Step Kids Account). Designed for young savers, this account gives kids a place to make deposits, learn about saving goals, and watch their money grow in a safe and guided way. To get started, stop into your local branch or call 732-312-1500.

*As of 7/2/2020, the First Step Kids Account has an annual percentage yield of 0.03% on balances of $100.00 and more. The dividend rate may change after the account is opened. Parent or guardian must bring both the child’s birth certificate and social security card when opening a First Step Kids Account at any branch location. Parent or guardian will be a joint owner and must also bring their identification. A First Financial Membership is open to anyone who lives, works, worships or attends school in Monmouth or Ocean Counties.

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