By now, you’ve probably recovered from a fun New Year’s Eve. Maybe you were celebrating with friends, maybe you watched a great college football game, or just maybe, you spent a little “quiet time” at home with the family. Are you ready for 2014? Did you commit to writing down all of those resolutions that have been floating around in your head? Lose weight. Stop smoking. Exercise more. Spend more time with the family. Get your financial life in order.
Have you been thinking about paying down your credit card(s), or do you want to put some extra money in your kid’s college fund? What about retirement savings? Whatever your financial goals may be, having a plan in place to help you understand what’s necessary is a key component to ensuring that you’ll be successful.
Here are a couple of tips
Create a budget and stick to it! Setting up a budget is the simplest and most basic building block in your quest for financial freedom.
Credit card companies are using powerful data collection and analysis techniques to spot fraud, but the first line of defense should be customers themselves. Watch both your statements and credit reports carefully!
As your life situation changes throughout the years, so do your insurance needs. A regular review of your life insurance coverage is important! When was the last time that you read your policy? Have you ever? When reviewing the policy, make sure that the benefit covers your current needs.
Welcome to 2014! The experts at Heartland Bank look forward to helping you develop a plan that’s right for you and your family.