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 →

Headed off to college in the fall, or have a teenager who is? Knowing how to properly manage money is a lesson that needs to be learned before college classes begin! Wondering where to start? A healthy financial foundation doesn’t have to be overwhelming. Start with some basic building blocks: Have a Good Savings Account This is a step you should take at a young age! Maintaining a savings account is one of the best ways to start saving as a student. Read on →

While prices are still on the higher end, it can feel challenging to find ways to relax without breaking the bank. Fortunately, there are many ways to de-stress without spending too much money, or anything at all! Whether you want to enjoy your time at home or explore St. Louis, there are many ways to rest and relax on a budget. Take a Walk in Nature Nothing is more free than spending time in nature! Read on →

Summer is here! That means the sun is shining, the kids are out of school and seasonal fun is everywhere. And it also means there are many opportunities to go over your entertainment budget. Fortunately, there are many ways to stay on top of your finances, spend less on entertainment and enjoy your time this summer without breaking the bank. Visit a Library On a hot, humid day, consider visiting the St. Read on →

We all remember our first job. For some, it brings back memories of grease vats and going home smelling like French fries. For others, entering a grocery store is nostalgic of days spent bagging groceries and collecting shopping carts. Something that will never be forgotten is the feeling of receiving your first paycheck. Oh, how much you could do with the money that was your own! Regardless of when a person gets his or her first job—as a teenager or after college—learning money management skills should be a top priority. Read on →

Creating a budget is one of the best things you can do to get your finances under control. Budgeting helps prevent overspending, increase your savings and give you a detailed picture about where your money is actually going. But what happens when a budget is no longer working for you? Here are signs it’s time to refresh your budget. You Recently Got a Raise Congratulations! You finally got that raise you’ve worked so hard for. Read on →