With your babies growing up, it’s never too soon to start teaching them the art of being fiscally responsible – but where do you start? According to the Council for Economic Education, only 17 U.S. states require high school students to take a personal finance class in order to graduate. Heartland Bank offers some great
If you take a look around, you may notice that a majority of people from a variety of income levels seem stressed about their finances. Seventy eight percent of Americans are living paycheck to paycheck and debt is creeping up more and more every year. So what’s the secret for those who aren’t wealthy enough
Nobody wants to be consumed with worrying about their finances. Debt for most people is a fact of life. Unless you have a stroke of luck with the lottery, or a Daddy Warbucks, you are probably unable to pay cash for life’s most important purchases: a car, house or your college education. The goal with
Have you ever thought about making your household more environmentally friendly, but felt it would just be too expensive? Many homeowners are under this impression, even though they have a desire to reduce their carbon footprint. However, you don’t need to buy all new energy efficient appliances. In fact, going green and saving money can
What they didn’t teach you in school, was how to pay for school. Many know what it’s like to look excitably into your direct deposit account or open that envelope on payday to only be dissatisfied by the large withdrawal that was taken towards your student loan debt. Confronting what seems like the impregnable wall
Paying off debt can be daunting, and budgeting for it is even more stressful. In order to be a winner with your budget, you must add Mad Money to your life – and no we aren’t talking about the TV show. Mad Money is, “A small sum of money carried or kept in reserve for
Buying groceries, healthy eating and budgeting are three challenging tasks that many people struggle conquering altogether. Whether you and your partner have been together many years or are just starting out, we have some great tips for you both to win the war on grocery shopping. Consider us your sergeant by following this simple training
If you work sales, freelance or are self-employed, you have a major issue to contend with when it comes to personal budgeting—an unpredictable income. While this can make it hard to plan your monthly spending, it’s not completely impossible. Today, Heartland Bank would like to offer you these tips to budgeting on an irregular income:
When it comes to preparing your finances for certain occasions, natural disasters usually aren’t one of the events that come to mind. However, not creating an emergency fund for the unexpected could hurt you immensely since Mother Nature doesn’t care whether you’re prepared or not. That’s why Heartland Bank has put together a few tips
Sometimes the best intentions can lend themselves to producing the worst results. While many friends and family members may offer quick solutions to your financial anguish, often times, the best education, is understanding those lessons first hand. At Heartland Bank we’d like to showcase several of the most common pieces of advice we hear, and
