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Whether you have raised your kids and are empty nesters or you are in your 20's and out of school enjoying the world as you want to now. This is your time! You have your bucket list, and you want to start marking things off on it, but how do you prepare for enjoying YOUR life YOUR way? The last thing you want to do is spend time managing your finances on a day to day basis to ensure you will have what you need.  Spending some time to set up your finances to reach all your goals with your financial partner will pay dividends in the long run.

There are 4 things to create a solid plan to reach your financial goals:

 

1. Budget & Save! - Have you created your budget?  Is it working for you? Have you set up your savings to be automated?  Take a look at your expenses versus your income, are you living within your means so you can work on your bucket list? Are there some items you can cut to save more? Go through with a fine-tooth comb to ensure your budget is getting you on-course with your goals. Automate your savings so you don't have an opportunity to spend it.
2. Watch Your Debt - How are your student loans? Are your loan rates through the roof? How much of your car, credit cards or house payment are going to pay interest payments instead of the principal? Refinance your high interest auto or home loans to save more and pay down debt faster. Are you paying off your credit cards every month? Would consolidating your debt with a personal loan save you thousands of dollars  in the long run on lower interest fees?
   • Set a balance every week that you will not go over and stick to it!
   • Categorize necessities versus splurges-- Do you really need it?
   • Talk with us, let your financial partner help you set up a consistent goal to help you get back on track.
   • Consolidate your debt into our Platinum Mastercard Credit Card with 0% balance transfer for the next 12 months*
3. Understand Your Credit - Do you know what is making up your credit score? Do you have the tools necessary to build your credit so you can enjoy the lower interest rates? Speak with a team member TODAY to do a financial health checkup! Or check out our Financial Wellness Page to find resources.
4. Invest In Your Future - Are you saving for your future now? Are you taking advantage of all the investment opportunities afforded to you? Matching your 401(k)?

You can always call or visit a Texas Bay branch to have a one-on-one meeting with a Financial Team Member to work with and create a tailored-made solution, that will help create a solution for your goals.

We are also happy to provide you with resources and videos to provide you with more Money Management  and Planning for the Future tips and advice geared specifically to you!  You can locate these right here on our website.

You are on the go enjoying YOU and don't want to waste days trying to find a new car to help you get to where you want to travel, what IF...

• You can take a Virtual Test Drive from anywhere at anytime
• The Price Curve tool will tell you if each listing is fairly priced
• The Find Better Price tool will search for a better deal on similar vehicles
• Our Find a Car site prevents 3rd-party cookie and ads - your privacy is important to us
• All auto loan members receive a free myEZ Car Care Membership to save you money on auto service and travel.
• This just scratches the service, there are many more auto research tools available.

Financial Management on the go!