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Small actions can have a big impact. And, they can also have a ripple effect. If you’d like to make a positive difference in your community – and beyond – here are some easy ways to get started.

February 14 is Valentine’s Day – the perfect opportunity to celebrate romance and spend quality time with your special someone. But the traditional trappings of the holiday – red roses, fancy restaurants, giant heart-shaped boxes of chocolate – can really add up. In fact, the average American spent over $160 on Valentine’s Day last year. If you’re looking for some fresh ideas that are easier on your wallet, read on!

International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948. For its 73rd anniversary, this year’s theme is “Building financial health for a brighter tomorrow.” ICU Day® is brought to you by World Council of Credit Unions (WOCCU) and Credit Union National Association (CUNA), two organizations that have helped support the credit union mission for decades.

From September 22nd through December 21st, it is officially fall! Make up for lost time this autumn by partaking in the season’s best outdoor activities, festivals, and events. Many events have reopened with new features after taking the last year to adapt to new safety requirements or controlled crowds. Be sure to visit the website of anything that catches your eye to purchase tickets in advance or secure your timeslot.

Sometimes we find ourselves no longer in need of the things we keep around the house. Gently used or good condition items can find life in a new home — a much more environmentally friendly solution than ending up in the trash. Before you reach for the online marketplace, consider the value of giving the item away for free. This simple action can create a large positive impact on interpersonal relationships and your surrounding community.