5 Hacks For Holiday Saving

The holidays are upon us and that means more money will be spent! However, be careful not to go too far outside of your budget. Exchange Bank of Northeast Missouri has compiled our favorite holiday savings hacks to help you keep more money in your pocket this season. Avoid Extras When buying food for the holidays or gifts for others, it can be really easy to treat yourself, too. Stop buying extra items, like that latte or new pair of shoes, and begin being a super saver. Make a list of what
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Sticking to a budget is always a challenge, especially if it comes to a remodel within your home. That’s why we’re here to give you the structure you need for your newest renovation. Pull out the hammer and get ready for your home remodel the right way with these 6 budgeting tips. Prioritize What needs to get done first or what has been bugging you the most? Start there. That will be your first update and then go from there. You’ll need to know how much is too much, which
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As your family grows, so will your budget - but where do you even begin when trying to make one? With all the demands of taking care of your family, it may be hard to find time to make a budget...and stick to it. However, you’ll be ecstatic once you start seeing your hard work pay off. Take a look at how you can begin creating your family budget with these starting points. Put Everything On The Table You’ll want to list your income and expenses - don’t leave anything out (even
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It’s the holidays! As they come closer, you’ll want to be preparing your budget for the food and presents you’re buying. But, be careful not to overspend! Here are our top sanity-saving holiday hacks to follow. Be Frugal Online Use cashback apps like Ibotta and Ebates when you shop online for the holidays to save money and earn bonuses. There are also ways to earn free gift cards online when you take surveys, such as using a program like Swagbucks. Simplify Your Giving Don’t
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The holidays have hit, which means criminals are out and about looking to steal whatever information they can. Retail fraud attempts increased by 30% during the holidays in 2017. Being extra aware this season will help you keep your money safe, online and in stores, by using some of these simple tips! Use Your Chip Card Cards have upgraded and now have an EMV chip included in them. This offers an extra layer of security, as the card generates a one-time code for the transaction. If your card
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With just a little work, you can map out your financial goals for the upcoming year. With money, it can seem overwhelming or tricky to know where to begin. Luckily, Exchange Bank of Northeast Missouri is here to help! We’ve come up with some of our favorite ways you can create your money goal for 2020. Figure Out Your Finances The first step you should take is to calculate how much income you have each month after expenses. You may feel that you have a good estimate, but once you start
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It finally happened - you had to spend your emergency fund. The good news is you had a fund, but the bad news is you spent it. Where do you go from here and how do you rebuild what you had? We wanted to offer some insight on ways you can begin to rebuild your emergency fund for the next rainy day. Say ‘Bye’ To The Unnecessary  That gym membership and extra show subscription will have to be canceled for now. You can get by without, as saving for the next emergency is more important
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If you’re in your twenties and thinking about retirement, you are light-years away from your peers who wait until it’s too late. You’ll be so glad you started to take serious steps towards your golden years with these straightforward strategies. 1. Negotiate More Your first job isn’t typically known to be a real money maker. You’ve been told to “pay your dues” and take the work for little pay. However, it is especially important for college graduates
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Technology is everywhere and used on a daily basis, so how do we protect our children when online? Now more than ever is the most important time to sit down with your children and really explain the importance of being safe while online. That’s why Exchange Bank of Northeast Missouri wanted to offer some main points to touch on with your children when discussing online safety.  Family Rules: I won’t tell my address, name, phone number or other special information to anyone
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While college remains one of the best ways you can invest in yourself and your future, it doesn’t change the fact that the costs of attending college only continues to grow. Focusing on your education should be your top priority while you’re in school. However, developing strong saving habits can not only cut costs while you’re attending college, but those habits can also help you be more responsible with your money once you’ve graduated. Set a Budget While this may
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