The holidays should bring joy, not a pile of post-season debt. From early deal-hunting and creative gift ideas to making the most of your Voyage rewards, these simple strategies will help you celebrate to the fullest without overspending.

Want to boost your credit score? Start with your credit utilization.
This key number—how much of your available credit you’re using—can make a big difference in how lenders see you. In fact, it’s one of the fastest ways to improve your score. In this post, we’ll break down what credit utilization is, how to lower it, and how tools from Voyage can help you stay on track.

In this episode of Tips for Change, Melissa Webb, Women’s Program Manager at EmBe, shares how financial education is helping women in our communities take control of their money and their futures. From personalized support to practical tools like the Making Cent$ course, this conversation is all about meeting women where they are. 

Sydney Chapman, Assistant Director of Financial Aid at South Dakota State University, breaks down the essentials of receiving financial aid and filling out the FAFSA. Learn what’s fact and what’s fiction so you can confidently navigate your aid application. 

Wondering how much to save for an emergency fund? Learn how to base your savings on living expenses and income stability, with tips and resources from Voyage Federal Credit Union.

Downtown Sioux Falls isn’t just growing — it’s thriving. In this episode of Tips for Change, Brandon Hanson shares how intentional planning, local partnerships, and a passion for community have helped DTSF become a hub of culture, business, and walkable charm. From annual events to new developments, this conversation highlights what’s driving momentum downtown and why the future looks bright.