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How To Financially Prepare For 2019

Whether your financial resolutions include eating healthier, working out or spending more time with your family and friends instead of scrolling through your favorite social media site – Two Rivers Bank & Trust encourages you to add the following finance-inspired resolutions to the top of your list.

Set Yourself Up For Success

Kick start your year of money management with a daily five-minute money check-in. Challenge yourself to log in to your online banking account or money management app first thing, every morning, and plan your day around your current account balance. Visualizing the total throughout the day will help you say no to impulse purchases, and yes to more critical thinking. 

Build An Emergency Fund

Whether your water heater breaks, the furnace goes out, someone close to you unexpectedly loses their job or a snowstorm causes a tree to fall on your roof – you can be rest assured knowing you have an emergency fund in place to cover unexpected expenses. Experts suggest saving enough to cover six to nine months of basic living expenses. Automate payments into a separate savings account to help you ease into the new year.

Increase Retirement Contributions

Small changes now can yield big results for your future. This year, we encourage you to increase your retirement contributions by 1-2%. Not only will it pay off in the long run, but your future self will thank you.

Don’t let the stress of the holiday season drive you and your bank account insane! Contact your local neighborhood Two Rivers Bank & Trust branch to discuss a budget plan that works best for you! If there isn’t a branch in your new neighborhood, take advantage of our convenience services including online bankingonline bill paymobile bankingmobile deposit, and moreTalk to one of our team members to learn how you can keep more of your hard-earned money with Two Rivers!