Category: Personal Finances

Money Management: Self-Employment Edition

employment

With the flexibility and freedom of self-employment comes the tricky challenge of managing your finances properly. Whether you’re new to the freelancing field or already know your way around the ropes, a quick money refresher is always a good idea. Below are our top money management tips for the self-employed.  Have a Plan  Budgeting is just as

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New Year, New Financial Goals

piggy-bank

Whether your goal this year is to save up for a big purchase or have a pile of debt to work on, make 2021 the year you focus on your funds. Below are some ideas of financial goals you can set.  Short-Term Goals  When you set a short-term goal, you normally aim to accomplish it within 1-12 months. The following examples are goals you

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Financial Literacy 101: Teen Edition

teen

If you have a teenager who doesn’t quite understand how important good financial habits are, it’s time to teach them! Giving your child the building blocks on saving, budgeting and understanding debt will help make them responsible adults. Here’s some financial literacy 101 for your teenager.  Bank Accounts  Explaining the different types of bank accounts to your child

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Savings Resolutions to Kickstart the New Year

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2020 brought a lot for us to handle, so we’re hoping 2021 will be the best year yet! Now is the time to start thinking about the changes you want to make with yourself and your habits this year. That’s why Heartland Bank wants to offer our favorite savings resolutions to kickstart the new year.  Improve

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Break These 5 Bad Financial Habits This Year

credit-card

During 2021, we want everyone to focus on a few ways to enhance their life and habits. Financially, you are always able to make a change for the better and increase your savings. Heartland Bank offers helpful tips to break these five bad financial habits this year.  1. Impulse Buying  When you see an item you think you need to

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A Beginner’s Guide to Saving Money

money

While saving money isn’t the easiest task, the first step is often the hardest part. If you’re new to the finance scene and are hoping to learn about some basic, money-saving tips, you’re in the right place! Setting realistic and doable goals is the key and we’re here to help give the push you need to get going.   Track Your Spending  The first step to knowing

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The Secret to a Cheaper Holiday Season

money-present

As the holidays quickly approach, managing your money wisely becomes even more difficult. As you spoil your loved ones with gifts, celebrate the season with fancy dinners and go all-out on new decor, the budget tends to go out the window when the holidays come around. There’s no harm in enjoying the holiday season, but this blog will help you make sure

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5 Major Life Purchases to Plan For

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Once you enter adulthood, your finances become your own and the major life purchases quickly approach. While not all of these purchases take place at the same time nor is everyone guaranteed to make them all, it’s common for the average person to make most if not all of these purchases at some point in

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Find Out How to Pay Off Your Debt While Still in School

student

Just because your student loan payments don’t start until after you graduate, the sooner you start making payments, the better. Paying for the college student life is tricky enough, so paying off debt at the same time might seem impossible, but it’s doable with a few lifestyle adjustments. Continue reading to find out the best

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5 Steps Towards Tackling Your Student Loans

student

Whether you’re a current college student or have graduated and are ready to get rid of your debt, there’s no better time than now to start paying off your loans. It’s not an easy job, but the feeling and relief of being debt-free is unlike any other. Keep reading to learn the five steps to take towards getting rid of your student loans.  1. Pay more than the minimum  No matter how small the amount of added

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