The burden of debt can go beyond simply a monthly payment. It can be a major drain on your emotional and mental wellbeing. For many people, it isn’t just about their finances but also their sleep as well as their relationships and even their overall health. If things begin to become overwhelming and you aren’t sure which …

Debt can have a serious impact on your mental and physical well-being; it’s more than just a monthly expense. Many people find that debt not only affects their wallets but also their sleep, relationships, and even their health. When you’re feeling overwhelmed and don’t know what to do, debt counseling can be a lifesaver. But …

With millions of Americans struggling to pay unexpected medical bills, medical debt is one of the leading causes of financial stress in the U.S. Just one emergency surgery or hospital visit can leave you stuck in debt for years. Medical guilt is especially harmful because it often strikes at a time when you’re already vulnerable—when …

Budgeting is more than just a financial tool—it’s a way to take control of your money and live with a clearer plan. For beginners, starting a budget might feel overwhelming, but it’s actually one of the most empowering things you can do for your financial future. By creating a budget, you’ll not only see where …

The process of saving money can appear daunting, but establishing better financial habits begins by knowing that even the smallest regular modifications can result in major changes over time. If you’re trying to save for a getaway or to reduce your debt burden or secure your financial future for the long term developing a solid saving …

Step one is to document your income and expenses, using tools such as pay stubs, bank statements, budgeting apps, or online templates like First Bank’s free MyMoney tool for online and mobile banking. Start by listing your monthly fixed expenses, such as rent, utilities, and debt payments, before expanding on variable expenses, such as groceries …

The college experience is usually about the excitement of college, but also problems, and tackling finances is at the top of the list of challenges. In the case of many college students, it’s the first time they’ve dealt with the finances on their own, and it’s not uncommon to be overwhelmed. If you don’t have a sound …

It can be overwhelming to budget; however, it doesn’t have to be. If you’re worried about managing your finances leaves you feeling like you’re throwing too many balls Zero-based budgeting is an easy and extremely effective solution. Created to assign each dollar with a specific task and ensure that there’s no way to let anything slip through …

Building emergency savings is often seen as a challenge, especially when you’re trying to balance it with meeting your essential expenses. Yet, having an emergency fund can be a lifeline during unexpected situations like medical bills, car repairs, or sudden job loss. This blog explores practical steps to budget for emergency savings while ensuring you …

Income management involves more than simply setting and sticking to a budget; it also involves being adaptable and making necessary changes when necessary. Start by reviewing your current state. Compose a comprehensive list of your bills and expenses, from groceries to utilities to debt payments. Calculate your after-tax income, or net take-home pay, and account …