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Following a budget can be restrictive, tiresome and grows old really fast. Unfortunately, budgeting is the best way to stay in control of your money, live within your means and have less financial stress in our lives. Don’t worry, there are ways to avoid budget burnout especially if you recognize the causes of being overwhelmed by your budget.

The start of the year is a good time to start planning, especially if you have a major life event in your future.  If you follow a few smart financial tips these life events don’t leave you broke and help you control the emotional aspect of these events that can lead to irrational financial decisions.

Categories: Budgeting, Finances, Spending

The holiday season is already in full swing, which means you are likely doing a little shopping or at least making plans to. We hope you can enjoy the hustle and bustle of the season without any unnecessary stress. That’s why we try to make your banking experience with us as convenient as possible.

Black Friday is the traditional kickoff to holiday shopping and it seems to always begin with a frenzy of activity. This frantic activity often causes impulse buying leading to overspending on the holidays. And it’s not just black Friday but the entire holiday shopping season that needs to be considered.  Whether you are reading this on November 26th or December 15th, the tips below can help you stay out of the red financially speaking.

Categories: Budgeting, Finances, Spending

Holidays are wonderful, but they can also be really stressful. They can be especially taxing when you’re trying to figure out how to pay for gifts, travel, food, and more. To ease some of your stress, FORUM offers several convenient and secure ways to pay for your family’s holiday plans

Categories: budgeting, college, loans

You may have just graduated college, or maybe it has been a few years. Either way, it’s important to understand your student debt and create a repayment plan that is realistic for your specific needs.

Achieving financial security doesn’t happen overnight, but it can happen with a detailed plan and some discipline to boot. Get started with these four easy-to-follow steps.

Preparing a budget is an important step in becoming financially fit. If you just prepare a budget based on what you are currently spending, you might not really be helping yourself all that much.  Your current spending habits in certain areas may be more than what is optimal to gain financial freedom.  What you really need to do is allocate your monthly income using a budget pie assigning percentages to the important categories.

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