Los Angeles Federal Credit Union Click to Access Credit Counseling & Loan Programs Info.   Click to Access Your Accounts Online with e-Branch     INTRODUCTION   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN •   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT After you reach your first goal, set another. Maybe you're not even missing what you gave up. If so, keep it that way and start saving for long-term goals. Make it easier by electing payroll deduction to automatically fund a savings account for long-term goals.

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