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Using Credit Wisely for the Holidays

As the holidays approach, tis the season for shopping! Retailers play to our emotions and take advantage of the festive spirit to encourage our spending. The pressure of the holidays has us striving to purchase the perfect gifts, prepping to host holiday guests and dressing the part for parties, but these buying impulses can get the best of us if we don’t plan ahead. To avoid draining your bank account, here are some helpful tips to navigate your finances and wisely use credit this holiday season.   

Make a list and check it twice. To…

Four Reasons You Should Use Digital Banking

Prior to the coronavirus pandemic, digital banking both online and via mobile app was a popular way to bank. Today, conducting your banking remotely without having to visit a physical location has become essential. Here are the top four reasons to use mobile banking:

Convenience: Account access is 24/7. You can check on the balances in your accounts, deposit checks, make payments, transfer funds, and track your spending. There are also tools to locate ATM and bank locations. More importantly, you can conduct your banking on your schedule and from the comfort of wherever you like.

Security: Mobile banking allows…

5 Tips to Spring Clean Your Finances

While the arrival of spring brings longer days and warmer weather, it also means cleaning things up that we have put on the back burner. As you plan a thorough cleaning of your home and yard, it is also a great time to re-evaluate your finances. This spring, consider these tips to tidy up your finances

Evaluate Your Spending: To assess your spending habits, track what you spend for a month. Then review monthly requirements versus expenditures that are not a necessity. This could reveal areas where you can eliminate overspending on discretionary items or areas that are may provide…

5 Money Moves to Make This Summer

COVID-19 has impacted our lives immensely. With health appropriately being our number one concern, it is easy to put financial matters on the backburner. However, as the full impact of the pandemic remains unknown, it is important to review some key things to help ensure you are setting yourself up for financial success.

  1. Build an Emergency Fund: As the past few months have shown us, it is extremely important to prepare for the unexpected. If you do not have an emergency fund, consider setting aside a little each month. It is often helpful to automate your savings…

Have Yourself a Debt-Free Holiday

With the holidays swiftly approaching, so is the pressure of holiday shopping. Buying for others is fun and the holiday season often brings out our generosity, but without planning ahead it can be easy to go overboard and spend more than you intend. Here are some helpful hints to avoid draining your bank account so you can enjoy a debt-free holiday season.

“He’s making a list, he’s checking it twice!” And you should too. To prevent yourself from being overwhelmed by holiday shopping, make a list of who you are shopping for and determine your overall budget in advance. Creating…

Improve Your Finances This Year

Common New Year resolutions include getting healthier or possibly losing weight. In addition to becoming physically and mentally fitter, it is also a good time to focus on becoming stronger financially. This process can begin by taking time to sit down and set some goals to help keep your financial future on track.

Consider these areas to help formulate your financial goals for the year.

Income: What are your sources of income? Is your income sufficient to accomplish the goals you want to achieve? If necessary, consider a second form of employment that you will enjoy to add additional income to…

Five Money Moves to Make This Summer

This time of year, the warmer temps have us dreaming of and planning for summer vacations which can distract us from financial matters. However, instead of delaying the inevitable there are some key things to put on your financial to-do list to help position yourself better for the future.

Tackle these things now so you can truly relax this summer.

Adjust Tax Withholding: If you received a tax refund of $1,000 or more you should consider adjusting your withholding. If you do not anticipate any significant changes to your situation it may make sense to change your withholding so that you…

Managing Your Finances as a College Student

With college comes increased responsibility. Knowing how to manage your finances early in your college career can serve as a catalyst for managing greater earnings in the future and can help you avoid costly mistakes. It is extremely important that you do the necessary research and preparation to make sound decisions regarding your finances.

Here are some tips to help you establish a strong foundation for managing your money as a college student:

  1. Prepare a monthly budget. This is the most important step in the process. Identify your needs and their costs (rent, food, gas, phone, school supplies,…

Maxmizing Your Home’s Equity

The spring season often inspires homeowners to dream of the home improvements they would like to make such as additions, decks and swimming pools. With the summer season just ahead, families begin to think of vacation spots to relax and enjoy great weather or about impending college bills. The biggest deterrent to moving forward with any of these desirable plans is affordability. Once you put pen to paper and tally the costs, the reality can set in that you may have to downsize your plans and expectations. Here are some suggestions to make your spring and summer season satisfying…

Tips for Smart Holiday Shopping

As the holidays approach, retailers begin to offer attractive discounts and sales on your favorite items.  This sends the holiday shopping spree into full motion along with stress to obtain those special gifts. Initially, there may be very little concern as our buying impulses get the best of us, but eventually we may realize that we have gone too far. Here are some helpful hints to avoid draining your bank account and your energy this holiday season:

“He’s making a list, he’s checking it twice” And you should too! To prevent yourself from being overwhelmed, make a list of what is…

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