Don’t Neglect Financial Health When Making Resolutions This Year

law hammer and piggy bank

Think back on each New Year. Notice anything in common with years past? Maybe you’ve resolved each year to make better nutritional decisions. I will not eat the WHOLE plate of cookies. Or, maybe you’ll take it a step further and throw in a promise to yourself to take your health a little more seriously. My neighbor can get up at 5:00 am for a run before work. Why can’t I?

Whatever your resolutions may be, why not resolve to take better care of your financial health as well? It’s no secret that having a healthy understanding of your financial outlook can positively affect your physical health. We have enough sources of stress – money shouldn’t be one of them.

Start small. You already have a savings account! It’s the first account you open to become a member of the credit union. Use it. It’s there to help you plan for the future. Whether there’s a European adventure or an unforeseen emergency on the horizon, save so you’ll be prepared for it.

Set a budget. That’s the easy part. It’s sticking to it that becomes tricky. You may have heard it takes 21 days to make or break a habit. Budgeting is no exception to that rule. If dropping by a Starbucks® every morning on your way to work gets you going, plan for it in your budget. Identify any unnecessary purchases and see how they affect your budget. If it takes you over your budget, eliminate it.

Make savings a budget category. Pay yourself first! Seriously! Either write yourself a check or automatically transfer funds to your savings account each time you get paid. You already know how much to set aside for bills and other obligatory charges, so take a reasonable amount of money and place it in a savings account. Don’t forget that MembersFirst offers Christmas Clubs and other special savings accounts that make saving simple.

Track spending trends. Ever wonder where all that money goes each month? Make budgeting fun by tracking spending and saving trends with our free MoneyDesktop™ program. Log in to MoneyDesktop™ via FlexTeller and begin tracking your finances, even if they aren’t in accounts with MembersFirst. You may be surprised to see just how much you spend at the grocery store or on fast food.

Commit to stick. Like many New Year’s resolutions, we tend to be gung ho about sticking to them, only to ruin that plan by MLK, Jr. Day (sooner, for some of us). Sometimes it’s just a matter of forgetting to track your spending. Stay on top of your spending and make it simple by designating a time and place each week to keep up with your finances. This is when you’ll also plan for future expenses and track spending habits.

We know that everyone’s financial situation and goals differ, so at MembersFirst, we provide options that help you afford life, regardless of the stage in which you find yourself. Stop by a branch and have a conversation with one of our member advisors about your short- and long-term goals today! Or, visit membersfirstga.com for a listing of products and services to help you succeed!

Online Banking and Bill Pay–it’s just what the doctor ordered.

bill pay tutorial

To Do:

√Take Sarah lunch at school.
√Change batteries in remote.
√Pick up kitty litter.
  Mail Chad cash for uniforms.

Feeling a bit stressed?  Our lives are packed full of random tasks and things we have to remember each day so our days can run a little more smoothly.  While we can’t take little Sarah her forgotten lunch (we wish we could!), we can lend a hand in sending Chad the cash for this season’s football uniform.

Let us help you simplify your day with our easy and convenient Online Banking and Bill Pay services.

With just a little info and a few simple clicks, you can mail payments to a person or business, make bill payments, check balances, monitor savings goals, transfer from one account to another and much more.

Save yourself the stamp and time by enrolling today!  It’s just the thing to relieve a little of the financial worries we tend to pile on ourselves day in and day out.  All you need is a membership and checking account at MembersFirst and a computer, tablet or mobile phone.

Plus, get helpful step-by-step-instructions for scheduling payments, setting up eBill, making transfers and setting up bill pay alerts. See how simple it is to take online banking to a new level of convenience with online bill pay.

bill pay tutorial
Online Bill Pay Tutorial

Not a member?  That’s ok.  Become a member today by opening a membership share account with a minimum deposit of $25 and a valid government issued identification card.  Click here to join or by clicking the Join Today! button below.

Questions before you join?  Give us a call at 404-978-0080 or stop by one of our branch locations.  We’d love to hear from you and begin the process of simplifying your financial life.

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