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Financial Tips for the New Year
Build Your Budget
Identify your net income, expenses, and savings. Set financial goals and record your spending to track progress.
Create an Emergency Fund
Start setting aside small amounts to reach the recommended 3-6 months’ living expenses.
Complete a Financial Wellness Review
Review your credit report for errors, decide if debt consolidation is necessary, and evaluate interest rates. If needed, consider refinancing or reinvesting.
We’ll do the review for you: Call or email today!
Consider Your HSA Today
A health savings account helps you save for future medical expenses.
- Tax-Free Contributions Earn 2.00% APY*
- Free HSA Debit Card & Checks
- Direct Deposit/Payroll Deduction Options
- No Maintenance Fees
*Rates subject to change.
Last updated on October 21, 2020 Ray Smith Newsletter/Newsflash
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