The holiday season is full of joy and family, but oftentimes, it can be expensive and easy to overspend. Splurging on gifts and decorations can be far too tempting. But with some awareness and planning, this holiday season can be less stressful financially if you make the right money moves! Here are some helpful ways to help you avoid overspending while still having the holiest and jolliest season: Make lists. It’s not only gifts that get pricey but food, decorations and travel expenses as well. Read on →

Debt can be a heavy burden. Whether you’re dealing with credit card debt or student loans, getting out of debt as quickly as possible is a great goal. But how? It may seem overwhelming, but there are strategies to accelerate your debt repayment and regain control of your finances. By following a plan and sticking with it, the chances of getting out of debt sooner are far more likely than simply making the minimum payments or winging it. Read on →

Minimalism is a way to declutter lives, both financially and mentally. This simple way of living offers many benefits for your budget and your peace of mind. Here’s why minimalism is good for your mind and budget: Streamlined Finances Minimalism offers a positive impact on your budget. When you consciously reduce the number of possessions you own, you’ll spend less on unnecessary items. Minimalists often prioritize quality over quantity, investing in well-made, long-lasting products. Read on →

Whether saving for a dream home, planning for retirement or just aiming to lower financial stress, a well-managed budget is critical to financial success. Financial stability is a great goal that can lead to a more peaceful life, and having the tools you need to handle your budget correctly is critical to getting there. Here are some valuable tips on how to better manage your budget: 1. Set clear goals. The first step to effective money management is setting clear and achievable financial goals. Read on →

Living paycheck to paycheck is very common. While many people have no choice, living this way is sometimes avoidable with a few budgeting and lifestyle changes. By practicing effective budgeting strategies, you can break free from this cycle, set better financial habits, have more savings in the long-term and be less stressed out in the days leading up to payday. Here are four tips that can help improve the paycheck-to-paycheck lifestyle: Read on →

If you’re in that stage of life where you’re sick of paying rent that goes nowhere, it is probably time to start saving for your own home. While this seems overwhelming for first-time homebuyers, there is actually a lot you can do to start preparing and saving for your own home! Here are three helpful tips that will help you save for your first home. 1. Prioritize your credit score. Having excellent credit is important when buying a home. Read on →

The holiday season might feel distant in this late summer heat, but it will be here before you know it. It’s never too early to put away money for holiday gifts and travel expenses—and it will surely make your festivities less stressful when your finances are in order. Here’s how you can kickstart your holiday savings journey for a more relaxed holiday season: 1. Budget better. Time is money, as they say! Read on →

It’s that time of year when high school and college students graduate and fly the coop. This bittersweet occasion is exciting and nerve-wracking for both parties, especially when no more kids are in the house. But with this big life change comes many opportunities and often a financial shift in the home. Imagine the possibilities if you are able to manage your money better with fewer people to provide for! Maybe retire early, travel more or finally make time for yourself. Read on →

No matter where you are with your savings goals, there are many ways you can start saving today just by being more mindful of your purchases. Our St. Johns Bank team shares a few smart suggestions below. Budget for Groceries Budgeting for groceries is a smart financial strategy that can lead to significant savings. By creating a realistic budget and sticking to it, you gain better control over your spending habits. Read on →

Summer is the perfect time for families to create lasting memories and bond over exciting adventures. However, planning activities that are both fun and budget-friendly can sometimes be challenging. Fortunately, there are numerous options available that allow families to enjoy the summer without straining their wallets. Check out the variety of affordable summer activities available that promise endless fun for the whole family! Get Outside and in Nature Take advantage of the Great Outdoors by visiting local parks and nature trails in our area, like these hiking trails within two hours of St. Read on →