Monthly Archives: October 2015

The Psychology of Spending Money


If your wallet is feeling a little lighter from impulse buys, blame your brain. It surges with feel-good chemicals after a purchase, making you crave more. That’s why therapy for shopping addiction actually exists. Heartland Bank is here to help you understand your brain’s cravings – and how to fight back.

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Don’t Scare Your Wallet this Halloween


Fall is in the air, which means Halloween will soon be here, which also means something else: your kids’ or grandkids’ sugar intake will soon be increasing exponentially! But while their main concern is their costumes and candy, you have to look at the financial side of this unique holiday.

According to the National Retail Federation, the average American spends about $77 on decorations, candy and costumes each year. Spending an extra $77 doesn’t seem like much, but it can make an impact on your monthly budget. Also, that number is an average, meaning there are people spending more and less than that.

Heartland Bank doesn’t want you to be scared by Halloween costs this year! Save some cash with these helpful tips:

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Create Your Own Plan for Financial Freedom


Wouldn’t it be nice to live free of financial stress and worry? What would that look like to you? Perhaps it would mean not living in debt, or having enough money saved so that you don’t have to worry in the event you lose your job.

However you view it, “financial freedom” is undoubtedly a place most of us would like to be. Unfortunately, things always get in our way to achieving this freedom; kids, emergencies, life, or our own decisions are a few of the usual suspects.

In order to reach financial freedom, you have to set out your plan; the more detailed and specific the better. In an effort to help you get to the financial “promised land,” here are ten steps to set up your own financial plan.

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