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At Wasatch Peaks Credit Union, one of our numerous financial services offered is our Visa Platinum Cards, which come with fantastic rates and numerous benefits, including no annual fee and free online statements. These, along with other credit card types, can serve as the foundation for a solid credit history that translates into a high credit score for a car loan, mortgage loan or a variety of other potential needs.

While the process of building toward obtaining a mortgage and purchasing a home may feel like cresting a mountaintop, it’s important to realize that your work doesn’t stop when the final paperwork is signed. Homeownership is a detailed area that requires diligence and hard work, plus a continued commitment to strong financial decisions.

Q: I’ve recently landed a better-paying job and I can now afford the occasional (and not-so-occasional) luxury, but I’m wondering if I should indulge. Am I better off living beneath my means to avoid falling prey to the trap of luxury? Is there a safe way to enjoy the more comfortable lifestyle that I can now afford?