Managing Your Finances and Credit

If you are constantly asking, “where did all my money go?” you are not alone. Many people do not take the time to review their income and expenses in detail and therefore do not manage their money efficiently. In order to successfully manage your money, and especially to build savings and wealth, you should manage your time and organize your income and expenses. It is especially important to itemize your expenses in categories to determine which expenses can be reduced. A reduction of $5.00 per day in expenses equals a savings of $1,825 per year.

Creating a financial budget or plan will help reduce impulse purchases. Creating and maintaining a savings account and building wealth is more of a result of your attitude and discipline in managing your money and controlling your spending rather than the amount of money you earn. The brochure “The Consumer’s Almanac” contains ideas and suggestions to help you effectively manage your money.

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If you would like to learn more about the process of obtaining a personal loan from Citizens, or if you would like to learn more about other types of loans we provide, we encourage you to contact us today or stop by any of our convenient locations. You can also get the process of applying for a loan started now, simply fill out our online application form and a friendly Citizens representative will contact you!