Building a financially fit future.

Paying off or consolidating your debt is only the beginning of a debt-free journey. Staying on track by not taking on any new debt and continuing to save for the future is a constant that you will need to adopt to avoid falling back into bad financial habits and debt. Here are some smart money moves you can start today.

1. Establish your emergency fund. Not only are you putting money aside for your future, but you now have an emergency fund for unexpected expenses. When those expenses come up, you can pay cash instead of relying on credit.

   Set up automatic transfers from your checking to your savings to make saving easy and consistent. Be “Everwise” with Round-Up Savings.

2. Stay accountable by avoiding new debt. Use a monthly budget to track your spending and avoid impulse buys by focusing on your needs rather than your wants. If you have room, budget for the fun stuff!

   Be “Everwise” and take our Building Financial Resilience course for more tips to help you overcome financial crisis through quick online learnings.

3. Set out clear financial goals for yourself and check on them regularly. Whether you’re saving for a vacation, a new home, or an investment property, having these goals laid out will hold you accountable and keep you focused. Be “Everwise” and build your savings today.

4. Once you’re in solid financial standing, consider options like an IRA or 401(k) to help you build wealth for your future. Be “Everwise” and meet with a member of our wealth management team to create a personalized plan for your future.

Always remember that building on healthy financial habits now will help you stay on track and debt-free in the future.

Good luck and thank you for joining us on our debt consolidation series.