Spring is a great time to clean up your finances! Here are four easy ways to get started!

1. Review your credit report –It is important to make sure your credit report is accurate and free of mistakes. By law, you are entitled to order one free credit report each year from each of the three major credit bureaus. Access yours here. 
2. Review your budget and plan to pay off credit card debt – Is your budget current? Do you even have a budget? Every person with an income and expenses needs a budget to help them know what is happening with their money. While reviewing your budget, also look at your debts. Do you still have leftover holiday debt hanging around? It’s time to knock that out.
3. Start an emergency fund – Most Americans have less than $1,000 saved. If faced with a crisis, how would you pay for it? Putting away just a few dollars every payday can be a big help in an emergency. Click here to open a Passbook Savings at VCNB with as little as $100.
4. Organize and shred old financial documents – Sort through your old files and only keep what you absolutely need. Remember, the IRS has up to six years to audit you so be sure to keep tax records and supporting documents for that long. Learn more here.

A couple more thoughts – take a look at your bank accounts, credit cards and even the way you pay your bills. Are you paying too much credit card interest? Are you pleased with your checking account? Talk to a VCNB account representative about how you can be rewarded for your credit card purchases with a Platinum Visa© Card and for your everyday banking habits with a Rewards Checking Account at VCNB. Also ask about how Online Bill Pay can save you time and money and even prevent late fees!

Finally, we just confirmed some shred days for two of our offices:

May 5, 2018 from 10 a.m. to Noon
Canal Banking Center
 
June 9, 2018 from 10 a.m. to Noon
Friendly Bremen Banking Center (W. Fair Avenue location)

This is a great, free way to safely dispose of important documents that you do not need to keep. We’ll post more information as it becomes available!
 
Learn more about our Rewards Checking Account, Platinum Visa, Online Bill Pay and other VCNB products here!