Credit
- Pay on time: it's one of the factors that weighs most heavily on your history.
- Keep your card usage low relative to your limit.
- Review your credit report periodically.
Learn and grow
Financial Education
Practical tips to better manage your money, for you and your family, with a stewardship mindset.
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Learn to manage your money better
Practical tips for every stage. This is general guidance and does not replace professional advice.
Banking basics
- Use a checking account for your daily payments and a savings account for your goals.
- Turn on balance and transaction alerts.
- Build an emergency fund.
Budgeting and savings
- Track your income and expenses to know where your money goes.
- Pay yourself first: set aside your savings as soon as you receive your income.
- Automate your savings so you don't depend on willpower.
Debt
- Make a list of your debts with their rates and payments.
- Choose a payoff strategy and stay consistent.
- Avoid loans with abusive costs.
Financial security
- Be wary of urgent requests for money or personal information.
- Use unique, long passwords.
- Check our security center for more recommendations.
Stewardship and generosity
- Plan your generosity within your budget.
- Save for the future and for the unexpected.
- Live within your means and avoid unnecessary debt.
Frequently asked questions about Financial Education
Do these tips replace professional advice?
No. They are general guidance. For your particular situation, consult a financial, accounting, or tax advisor.
Can I talk to an advisor about my goals?
Yes. Contact us and an advisor will guide you.
Do you have resources for churches, schools, or groups?
Contact us to learn what resources and options we can offer your congregation, school, or group.