SMARTLAB by Logix

If your home is worth more than the total mortgage balance plus any property liens - congratulations! You have what those in the real estate game call "equity". Bust out the confetti cannons because the good news keeps on coming. Homeowners can borrow against their equity using a home equity line of credit (HELOC) to achieve a variety of financial goals.

Similar to a credit card, HELOCs come with a pre-set credit limit you can borrow against whenever you need the funds. But unlike credit cards, HELOCs use your home as collateral. This helps reduce the cost of borrowing and could mean higher credit limits. However, not all HELOC spending is created equal.

Here are some ways to use HELOC funds to improve your financial standing and your lifestyle.

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Logix credit cards come loaded with great perks. Did you know that you can request a credit card increase in the Mobile App? Simply download the FREE* app from the App Store or Google Play when you search for Logix. Once you are ready, follow the steps below to get started. 

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New toys, tech, and other gifts are fun to receive during the holidays, but they don’t come cheap. Add seasonal travel, decorations, and festive meals, and it's easy to see why many households find themselves with thousands of dollars of holiday debt after the season has passed. Don’t let this happen to you!

Get comfortable and snuggle up to these tips that could prevent you from waking up to holiday debt come the new year.

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Did you know you can transfer funds between Logix and accounts you have with other financial institutions? It's all possible with Online Banking and our easy-to-use service MoneyMover.

MoneyMover is a convenient way to make loan payments, add to your savings account, cover a large purchase and more. And, the best thing about MoneyMover is it's FREE. Did you know other places like Bank of America charge $3 for transfers to other financial institutions? Yikes, that can get expensive.

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"♫ ♫ Fa-la-la-la-laaaa-la-laaa-laaa ♫ ♫" 

'Tis the season to be jolly...even if you can't carry a tune. But, when you don't have enough cash to pay for holiday expenses, it may not be as easy to enjoy the season. Don't worry - you can still participate in all the yuletide fun, even on a tight budget.

Here are some clever ways to join in on all the merry-making festivities, even if you sound "pitchy".

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