Saving & Budgeting

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Saving and Budgeting

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Helping You Make Informed Financial Decisions

Money Market vs. Savings Accounts

Whether you’re just starting to think about saving for unpredicted circumstances, or exploring whether the money you’ve worked so hard to save could be paying off more, you’ll never regret the money you didn’t spend. Most financial experts recommend building up savings equivalent to 3-6 months of...
Top 5 Tips for Getting on Top of Your Finances

The idea behind financial literacy is that a person shouldn’t need advanced training in economics in order to make sound, savvy money choices — for example, decisions related to insurance, investments, saving for college, tax planning and more...
6 Simple and Creative Ways to Build Up Your Emergency Fund

We all know that life can be unpredictable — and when it comes to finances that it’s best to be prepared for the worst. But, of course, the challenging part of the financial-preparedness equation can be how to actually make it happen. Enter the emergency fund...
Making Dollars and Sense of Credit

Your credit is a vital part of your financial health. Understanding why credit is so important, and what steps you can take to maintain good credit, helps you make better choices about your personal finance. Good credit also gives you more options for making the most of your money...
Costs Are Rising: How to Handle the Current Inflation Rate

Is inflation making it harder to meet your monthly budget? If so, you’re not alone. The current inflation rate is top of mind for many Americans as they are feeling the squeeze almost everywhere they shop...
Tips on How to Teach Children to Save

Financial education is an important foundation for people of all ages and backgrounds. It’s never too early for children to think about and develop smart savings habits…
Adopting a pet? Learn the true cost of pet ownership

There’s no question, adding a furry, feathery or scaley friend to your home has undeniable benefits. But adopting a pet can be a serious financial commitment...
The Financial Challenges of Caring for the Aging

If your parents are aging into retirement, or if you want to be as prepared as possible for your own aging and long-term healthcare, it’s important to know the full financial impact of caregiving — and the best strategies to mitigate that impact...
It’s Time to Learn About Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a type of credit offered by many retailers through financial tech platforms like Affirm, Afterpay and PayPal, as well as some credit card companies. There are a variety of pros and cons to consider when utilizing BNPL credit.
Celebrating the Seasons. Financial Planning Throughout the Year.

The seasons change, and so do our financial needs and priorities. Embracing a seasonal approach to financial planning can help you optimize your budgeting, manage expenses, and make the most of every opportunity throughout the year.
Party Planning on a Budget: Tips for Creating Great Memories Without Draining Your Wallet

Hosting a fabulous party doesn't mean a hefty price tag. With a little creativity and thoughtful planning, you can throw a bash that dazzles your guests without breaking the bank.
8 Steps to Improving Your Financial Fitness

Investing in the future and building discipline around spending and saving might sound intimidating at first, but these strategies are vital and achievable for anyone looking to improve their financial health.
Preparing Your Bank Account for the New Year: End-of-Year Financial Checklist

As another year draws to a close, there is no better time to take a deep dive into your finances. An end-of-year financial review is more than just numbers on a spreadsheet — it is a chance to reset, refocus, and build a solid foundation for your future. Assessing your spending, preparing for tax season, and evaluating your financial goals ensures you enter the new year confident and in control.
Holiday Budget: Financial Tips for Holiday Savings

Rely on holiday budgeting tips from United Bank to keep holiday finances in check to save money and reduce stress. By making a holiday spending plan and budgeting for the holidays, you can spend less and enjoy more.
5 Tips for a More Affordable Holiday Season

The holidays are just around the corner. They can be a time of great joy and festivities, but they can also be a major financial drain. Make the most of your budget during the holidays.
How to Use Your Credit Card Wisely this Season

During the holidays, even the most frugal spenders can find themselves splurging. While increased spending is expected, and even appropriate during a celebratory season, it’s important to create and keep boundaries with your credit card.
Saving Money in Your 20s: Personal Tips from a Branch Manager

Your 20s are a time to establish yourself as an adult, both personally and professionally, and establishing good financial habits sets you up for a secure and successful future. Forming life-long money management skills during this time is essential, but where do you start?

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