Alert 1 of 0
See all alerts
Branch Closure

Juneteenth Closings – Over the long weekend we will be improving concrete drainage at the Buffalo Gap drive through facility. At that location only, the ATM will close at 5:30 pm on June 18 and the drive through lanes will close at 6 pm.  They will remain closed until Monday, June 22 at 7:30 am.       All other ATFCU locations will be closed on Friday, June 19 and will resume normal weekend hours on Saturday, June 20.  Thank you for your understanding.

Branch Closure

Memorial Day Holiday – All ATFCU locations will be closed on Monday, May 25 for Memorial Day.  Enjoy the long weekend!

Notice

The 76th Annual Meeting of ATFCU is tonight at the Abilene Convention Center.  Doors open at 6:30 pm and the business meeting begins at 7.  All members are invited.  Learn more on the Current Happenings page.

Notice

Attn: High School Seniors (and parents)!  The ATFCU Scholarship application process is open. Learn more about it on our Community page.  March 10, 2026 is the application deadline. ... Read more

Branch Closure

All credit union locations will be closed on Monday, February 16 to observe Presidents’ Day.  Learn more about how a Monday banking holiday might affect your expected transactions.

Notice

Winter Storm Impact – Our drive-through lanes are open for normally scheduled hours on Saturday, January 24.  If the weather or utility availability worsens, we will announce updates here and on our social media platforms.  Stay safe!

Notice

When is the best time for you?   Members are able to schedule appointments for most non-teller transactions. Learn more and we can start coordinating calendars! ... Read more

Prom on a Budget

boy putting wrist corsage on girl with overlay pic of learn with Liz pic

Prom… For many of us, that word brings back an instant wave of high school nostalgia (and for others, maybe a few cringey memories!).

I like to think that my own high school prom wasn’t that long ago, but in reality, more years have passed than I usually care to admit. I went to prom both my junior and senior years back in 1998 and 1999. My family was working with a very tight budget, but I didn’t care at all—I just wanted to be there.

My junior prom dress was a short, purple, satin halter top bought at a second-hand shop, and I absolutely loved it. For my senior prom, I borrowed a floor-length, black velvet dress with an open back from a friend. It fit like a glove, kind of like the magic denim in The Sisterhood of the Traveling Pants. It was beautiful, and I felt like a million bucks.

Jr prom picture with Jonathan and ElizabethSenior prom picture with Randy and Elizabeth

 

 

 

 

 

 

 

 

 

 

Nowadays, the entire prom experience can feel a lot more intense and expensive. Did you know that March 11th is officially National Promposal Day? Some of the elaborate videos online look like full-scale wedding proposals!

Between over-the-top invitations, designer attire, and luxury transportation, prom costs can spin out of control quickly. Here is how to navigate the season with your teen without having to take out a second mortgage:

1. Co-Create a Total Prom Dashboard

Several months before the big night, sit down with your teenager and map out a list of every anticipated expense—tickets, attire, flowers, dinner, and photos. Set a realistic spending cap that you are comfortable funding.

Establish a clear boundary early: if they choose to go overboard or splurge on a luxury item in one category, they’ll need to find a way to trim costs in another category or pitch in using their own summer job savings.

2. Rethink the Extravagant “Promposal”

Outlandish invitations can easily eat up a significant portion of the budget before the dance even starts. Remind your teen that a memorable invitation relies on creativity, not a high price tag. Look up fun, clever ideas online that leverage inside jokes, custom posters, or favorite snacks to make it personal and fun without breaking the bank.

3. Source the Style Sustainably

If your teen has her heart set on a high-end dress, look into designer rental sites like Rent the Runway. Alternatively, shop online consignment platforms like Poshmark, ThredUp, or local resale groups. Because prom dresses are typically worn for only a few hours, you can find pristine, near-new designer gowns for a fraction of retail price.

4. Consider Investing in a “Forever Suit”

Unlike formal gowns, a classic suit or tuxedo can be worn multiple times for college events, weddings, and interviews. While renting formalwear can easily run upwards of $150 to $200 a night, investing in a sharp, tailored suit can often be the more cost-effective long-term move if they have multiple formal milestones on the horizon.

5. Ride in Style for Less

Limo services and party bus companies regularly spike their rates during peak spring prom weekends. If your teen is dead-set on professional transport, book early to lock in the baseline rate, and ensure they gather a large group of friends to split the total cost evenly among the families. If a limo isn’t in the cards, split a premium rideshare van with a few couples for a sleek ride on a budget.

6. Book an Appointment at a Local Beauty School

Professional salon updos and makeup applications can cost a fortune. For a fantastic budget alternative, check with local beauty and cosmetology schools. Students are fully supervised by licensed instructors and can create gorgeous, trend-right hairstyles for a fraction of standard salon prices—just be sure to secure an appointment slot early!

When prom season rolls around, get ready to break out the camera. You’ll have to open your wallet a little bit too, but by planning ahead, managing expectations, and focusing on the experience over the price tag, you can create memories that last a lifetime without stretching your budget.

Related posts


piggy bank on top of a calendar with money hanging out

Your Financial Roadmap: Where to Start When You Want to Improve Your Money Habits

Feeling overwhelmed by your financial goals? Don't try to fix everything at once. Discover our master financial roadmap to break down budgeting, debt payoff, emergency savings, and retirement into simple, actionable milestones. Continue reading
Budget Bootcamp Materials

Budget Bootcamp

Getting your budget under control actually starts with organizing your home. Discover the story behind The Busy Budgeter, why messy kitchen routines drive up expensive dining-out habits, and how to use our digital banking tools to stop hidden cash leaks for good. Continue reading
a pile of $20 bills

12 steps to financial wellness – Step 1: How to Track Your Spending

Ready to take total control of your money? Discover Step 1 of our comprehensive 12-Step Financial Wellness series, compare modern digital tracking systems against classic analog tools, and learn how my family uses a 10-account "digital envelope" system to eliminate budget stress. Continue reading