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Education
Making A Financial Plan
Whether it's for family or business, everyone needs a plan to ensure success. Financial planning is no different, but most people need help when it comes to putting together the right strategy. While Clay County Savings Bank does not provide financial planning, we have observed what would be helpful to our customer trying to plan.
Credit Reports and Credit Scores
A credit report is a record of your current and past debts, including your payment history. It is used by banks, other financial institutions, and businesses to make decisions about your loan, rent, and even employment applications.
Money Habits
The New Year holiday creates a feeling of starting fresh and encourages us to set new goals. While diets come to mind, setting new financial goals should be on the top of our lists. As you reflect on the past year, focus on your experiences – build on what worked and what didn’t – to shape this year’s money habits.
Five Things to Know About Safe Deposit Boxes, Home Safes and Your Valuables
Over time, your valuables change, and so do your options to protect them. Here are a few choices, including safe deposit boxes and home safes, along with suggestions on how to assess each option for your specific needs.
Sharing Finances
Getting married? Or, perhaps moving in with a significant other? Regardless of your relationship, there are some financial aspects you should consider when sharing expenses. It is important to communicate, understand concerns and options, and decide how you are going to share financial responsibilities. This includes how deposit accounts, budgets, credit, and debt are going to be managed.
Saving For Retirement
Financial needs change through all stages of our lives. The one constant focus as we age should be on saving for retirement years. As you begin your retirement plan, there are several things to consider.