Credit is power. The word credit literally refers to your borrowing capacity, which is the maximum amount you can borrow without putting your financial health at risk. Your borrowing capacity is based on your history of paying money back to lenders, which affects how much cash you can borrow or your access to goods and services.
[Read more…] about 5 Things to Know About CreditBudgeting for Your Future
Friends, it’s that weird time of the year again. We’re in that stretch between the holidays and the summer months. A new year is upon us, so you may be trying to tackle your resolutions or get certain things squared away to start your 2023 off on the right foot. But we know it may be difficult for a number of reasons. If your wallet is feeling the heat from the holiday hubbub, try not to panic. In fact, try to see the glass as half full. It is actually the perfect time to replenish your bank accounts and prep for the summer season! At Highlands Community Bank, we believe there is no better way to do this than with budgeting for the year. This is an opportunity to improve your financial wellness.
So, we created this guide which has everything you need to budget like a boss! Below you’ll find budgeting tips, a monthly budgeting worksheet, and more.
[Read more…] about Budgeting for Your FutureEasy Steps to Pay Off Your Debt
It’s easy to fall into debt as it is. But with the holiday season around the corner, many people find themselves racking up their credit card bills which can put a damper on their holiday cheer, not to mention, it can have detrimental effects on their financial standing. It can be quite overwhelming, but our team here at Highlands Community Bank would like to provide you with the best tips for paying off debt!
[Read more…] about Easy Steps to Pay Off Your DebtProtect Your Hard-Earned Money from Cyber Threats
At Highlands Community Bank, the safety of our customers’ money and identity is our top priority. We are committed to being a bank that the community can trust, so security isn’t something we take lightly. You can never be too careful, and now with the holidays around the corner, we are on high alert for any suspicious activity. The holiday season to many is “the most wonderful time of the year,”…especially cybercriminals. Between spending time with loved ones, relaxing, and the festivities, it’s easy to get wrapped up in it all and accidentally let your guard down. So here are some helpful cybersecurity tips to safeguard your funds and sensitive information.
[Read more…] about Protect Your Hard-Earned Money from Cyber Threats5 Easy Steps to Switch Banks
Small towns all over have been affected in various ways by the COVID-19 pandemic and other current events. For instance, some businesses sadly have had to close up shop, including local branches of big banks. This means many folks have been left without easy access to brick-and-mortar branches, so they can’t go to receive help in person. This has led many community members to question if they should look for a new bank altogether. You may wonder, “Is it easy to switch banks?”
[Read more…] about 5 Easy Steps to Switch Banks5 Tips on Buying a House in a Seller’s Market
So you’re thinking of buying a home! We understand you’re probably excited about it, but maybe you’re a little anxious, too. Just know that it’s completely normal to feel stressed or experience a rollercoaster of emotions, whether you’re a first-time home buyer or an experienced homebuyer. This is a big step in your life. Buying a house isn’t like other purchases, it takes a solid plan and a bit of luck – especially right now. The housing market is currently pretty intense, as we’ve been in the midst of a seller’s market. So in this blog, we’d like to share some helpful information and tips on how to buy a house.
[Read more…] about 5 Tips on Buying a House in a Seller’s Market