Cost Cutting Tuesday: Television

Television.  It’s an amazing invention that brings the world into your living room with just a click of the remote. It can take you on an African safari, give you a front row seat at Carnegie Hall and take you to midcourt of your favorite basketball game. It’s entertaining and a terrific time killer.

It’s also a budget buster if you allow it to be.

Fortunately, there are some opportunities to trim costs in this department.

TV Remote ControlBuy an antenna – If you don’t watch a lot of TV and are happy with local channels, a simple HDTV antenna could be the solution. They are inexpensive and a great option for those who just want the basics.

Cut back on channels – How many channels do you really watch? Take a look at your package and consider cutting back. Basic packages typically include the most popular channels so you may not miss anything. If you actually watch those premium channels and see value in having them, there are other options.

Watch for deals – Satellite and cable companies tend to run a lot of promotions to attract new customers. However, these promotions are sometimes available to existing customers too. Check out their website and watch the mail for coupons and offers. If that doesn’t work, call customer service and ask if there are any deals available.

Shop around – Consider your options. Is there another cable provider in your town? Have you considered satellite TV? Often times, these companies offer better packages for your needs, discounted introductory rates or other promotions to attract new customers.

Go online – Many shows can be streamed online for free or for a monthly subscription. If you have reliable internet, using these online resources may be the way to go.

Bundle UpBundling your TV service with phone and internet may save you a few bucks without sacrificing the amount of channels you have to choose from. Ask your provider if this is an option.

Digital Media Players  –  Using the power of the internet, these set top box-like devices allow you to stream live content or watch programming on-demand at your convenience. Roku, Google Chromecast, and AppleTV are popular choices, but did you know that your gaming system may serve as a streaming device as well? Smart TVs are an option and are becoming more the ‘norm.’ The most popular channels tend carry a minimal monthly fee in the range of $5-$10, but there is also an abundance of free content. Purchasing a few must-have channels in addition to the free programming could allow you to cancel your cable or satellite subscription altogether!

Trimming just $10 a month can save you $120 a year and $25 would add up to $300 in a year.  It’s tough to remember sometimes but the little things really do add up in a big way.

Think Spring

Gallery

      It will be here before you know it – in 21 days to be exact. Are you ready to build your dream home?  We offer loans for construction and for lots. Contact your local branch today so that we can help you … Continue reading

Tips To Help You Get More Done

When was the last time you didn’t feel like there was too much to do? In this “do more with less” and “work smarter, not harder” age we live in, it is easy to feel overwhelmed by responsibilities. Here are some productivity tips to help!

Make a list (and check it often) – It’s easy to forget details and it’s even easier to get off track when you don’t have a clear picture of what needs done. Keep a to-do list either on paper or on your phone and remember to check it frequently. When working on a large project, write down each piece of the project so you don’t lose track of the small picture. Remember to celebrate when you scratch something off!

Start on the right foot – Begin with a few easy tasks to give you a sense of accomplishment. Or do the opposite and start with something you normally procrastinate.

Keep it together – Store often used items in a convenient place and like items together. Keep your gym clothes, shoes and iPod in a bag together so they are ready when you are. Always put your keys, shoes, coat, purse and other daily used items in the same convenient place.

Visualize your goal – When you start to feel distracted or stressed, take a moment to consider how good it will feel to cross that project off your list.

Time yourself – Set an egg timer or the alarm on your phone. You will be amazed how much can be accomplished when you’re working against the clock!

Mess creates stress – Clutter is distracting. If you are distracted by the stack of mail on the kitchen table or the pile of files that should be put away at work, take a few minutes to bust through that clutter. Sometimes a clean work space is all you need to get started.

Start early – Most people have the most energy in the morning. Do tedious or difficult tasks early because your concentration is at its best. Put off the easy, mindless work until the afternoon slump.

Cut the cord – Technology is a great tool and terrible distraction. A lot of people aren’t productive because they are playing on Facebook or checking email every few seconds. If you are really trying to focus and get a lot done, turn off your smart phone, sign out of social media and close your email.  It will all be waiting for you when you’re done.

Tech support – With that said, technology can be a huge help providing you with websites and apps that help with everything from managing projects to editing pictures.  Seek out sites that can aid with workflow rather than distract from your focus.

Recover lost time – If you commute 30 minutes a day, that’s almost 8,000 hours you spend in the car each year. Listen to an audio book or learn to view the drive as “me time” instead of stressing over where you are going. While waiting for that oil change or doctor appointment, make your grocery list or read a book.

Give yourself a break – It sounds counterproductive but sometimes you just need a little break to clear your mind. Get up for a cold drink, take a quick walk or find a snack. Whatever you do, periodically give yourself a few minutes to decompress and reenergize.

Set yourself up to succeed – Do things during off-peak hours when you are less likely to experience lines and delays.  Don’t hit the grocery store at 5 p.m. on a Friday when you know it’s busy. Try going later in the evening or on Sunday morning. Ask for your dentist’s first appointment of the day.

What are your favorite productivity tips and tricks? Post in the comments section and we will share our favorites on our Facebook page.

Happy Presidents’ Day!

Mount Rushmore

All VCNB locations will be closed today in observance of Presidents’ Day. We will resume regular hours tomorrow morning. Meanwhile, remember that we are always open online at www.vintoncountybank.com.

Do You Have an Emergency Fund?

They say that in life you should expect the unexpected. That’s why it’s a good idea for everyone to have some kind of emergency fund. Most experts say it’s important to stash away at least three to six months of living expenses but others advise saving more.

Think you don’t need an emergency fund? Here are the top five reasons why you need one:

1. You lose your job. This is the number one reason most people need an emergency fund. If you or your spouse loses a job, it is important to have a rainy day fund to get you through the dark times. After all, the average length of unemployment last year was about 40 weeks. Your unemployment check may ‑ or may not ‑ be enough to get you through.  The Corporation for Enterprise Development released a report last year that says that nearly half of all Americans are a paycheck or two away from financial disaster.

2. You (or your spouse) gets sick.  Whether it’s an extended, life threatening illness or just a quick trip to the emergency room, healthcare and illness bring major expenses. Between the cost of healthcare and the lost work, even a minor illness or broken leg can be crippling to your checking account.

3. The car breaks down. Car repairs can be expensive. Even just buying a new set of Businessman pushing a cartires for your vehicle can be cost prohibitive. The problem is that if you don’t have transportation, getting to work can be almost impossible. If no wheels equals no work, then no work equals no money to pay for said repairs.

4. The furnace dies. It’s five below zero outside and your furnace quits working. Furnace repairs and replacement are necessary expenses when it’s cold outside but can also be crippling expenses if you aren’t prepared. Other major home expenses that you can’t ignore might include a new roof and leaky foundation.

5. Emergency travel. What if your dad dies in California or your sister is in an accident in Georgia? Would you have funds on hand to pay for a plane ticket or other travel expenses? Even if they live just four hours away, could you afford the time off work, the gasoline and other travel expenses in an emergency?

Sure, you can put a lot of these expenses on a credit card but you could be paying on interest for a long time before you catch up.

You would be surprised the sense of security you can buy with just having a little extra money in the bank. It may take a while to save up to that three to six month mark ‑ if you are able to reach that mark at all. Maybe you are only able to save $10 a month. That’s better than nothing! Start with what you can afford and build from there.

Here at VCNB you can set up automatic transfers from your checking to savings accounts. Want to learn more? Visit our website!

 

HSA 2013 Tax Year Deadline Approaches

Are you thinking about opening a Health Savings Account (HSA) with VCNB?  Time is drawing near if you want your contributions to count toward the 2013 tax year.

An HSA is beneficial to families and individuals with high deductible insurance plans who want to save money for qualified medical expenses. To be eligible for an HSA in 2014 you must have an annual deductible of at least $1,250 for an individual or $2,500 for a family

Contributions to an HSA are tax deductible and withdrawals to pay qualified medical expenses are never taxed.  The money you deposit into your HSA rolls over from year to year and can be used only for approved medical, vision and dental expenses.

April 15, 2014 is the deadline for contributions to count toward the 2013 tax year.

An HSA at VCNB features free checks with unlimited check writing, a debit card, a monthly statement, online access and interest checking with tiered rates. There is a monthly service charge of $3 and an initial set-up fee of $25. However, if you open an HSA now through March 31, 2014 you can find a coupon here. This coupon can be used to waive the initial set-up fee.

Do you believe an HSA is right for you? At VCNB we have account representatives who can talk to you about eligibility requirements and to help you get started! Call your local branch or 1-800-542-5004 to talk with one of our knowledgeable account representatives.

Member FDIC.

 

 

 

 

 

What to Buy in February

February is the shortest month of the year but is packed with savings opportunities. What are the best things to buy this month?

Winter clothes and coats ‑ Retailers are making room for Easter dresses, flip flops and bathing suits. That means you can find great deals on all things winter. Coats, gloves, scarves and hats are deeply discounted this time of year. It’s also a great time to pick up heavy sweaters, boots and other winter necessities.

A woman hand carrying a bunch of colorful shopping bagsElectronics ‑ New models of cameras, televisions and other electronics have been introduced and last year’s models are now on clearance. Even smaller items like tablets or blue-ray players that didn’t sell over the holidays are deeply discounted. Also, a lot of cellular phone companies offer great deals for sweethearts who want to upgrade their phones or their phone packages.

Outdoor furniture, grills and AC ‑ Ohio has been hard hit this winter with sub-freezing temperatures and snow so it’s kind of tough to think about hosting an outdoor barbeque. But in just a few months you will be ready to do just that and may be in the market for new patio furniture and other expensive outdoor merchandise. Many retailers will be trying to jumpstart sales of these warm weather items this month with sales.

Appliances and furniture ‑ Usually around mid‑February, retailers begin marking down these items. In fact, some of the lowest prices of the year can be find on washers, refrigerators, beds, sofas and other major household purchases around President’s Day.

Do you shop sales or do you just buy things as you need them?

Sunshine

Beach

With severe Winter weather moving through Ohio this week, we feel it important to remind you that Spring is just 43 days away! Meanwhile, maybe this sunny beach will keep you warm. Remember, if it’s too cold and snowy to go outside, you can always bank online with us at www.vintoncountybank.com.

Sign Up For Mobile Money Today

Have you ever needed to make a payment or check an account balance at VCNB and wished you could do it from your smart phone? Now you can! Signing up for our Mobile Money is incredibly easy and can be done in just a few easy steps.

The first step to using Mobile Money is that you need a mobile phone with internet capabilities and you need to be enrolled in our online banking service.

Follow these instructions to get our Mobile Money app:

–       Go to the App Store or Google Play and download Touchbanking.

–       Enter the app code VCNB1867 and your online banking ID.

–       Answer your previously set security question.

–       Enter your online banking password.

Follow these instructions to enroll in our Mobile Browser Banking or Text Messaging.

–       Log in to Online Banking.

–       Select the Options tab.

–       Click on Mobile Settings.

–       Enter phone number and have your mobile device on hand.

–       Choose either Mobile Browser Banking or Text Messaging.

–       Select accounts to view by phone.

–       Read and accept mobile agreement.

Look for a text message to confirm enrollment with a web site address. Save it to your favorites for browser banking.

With just these few easy steps you will be ready to view balances, transfer funds, pay bills, deposit checks and do more with VCNB on your mobile device!

Watch this video to learn more about Mobile Money  or click here  to read frequently asked questions. Standard messaging and data rates may apply.

Member FDIC

Stick To Your Goals

Many Americans view a new year as a fresh slate, an opportunity to make resolutions and life changes. Yet fewer than ten percent of those people actually achieve their goals.

Did you resolve to lose weight, save money or maybe just to be more organized this year? If you have already abandoned your resolution, don’t despair. It’s never too late to make changes and every day is the right day to work toward your goals.

Some experts say it takes thirty days to form a habit. That means you have to repeat the same activity for thirty days in a row before it becomes part of your lifestyle. If you approach your goals one day at a time, and just keep going, you can turn those resolutions into reality.

Here at VCNB we put together a cheat sheet for sticking with it and following your goals:

Write down your plan. Write down your goal. Write down how you will achieve your goal. Post it somewhere visible and study it regularly.

Identify saboteurs.  Sometimes a saboteur is your mother who encourages you to eat just one more cookie or that email from your favorite retailer. It could be a negative co-worker who is happiest when they are raining on someone’s parade. Identify the source and find ways to combat the negativity or temptation they bring to your life.

Buddy SystemFind a friend with similar goals and hold each other accountable by swapping tips and lending support.

Baby steps. You didn’t gain the weight overnight. Chances are you did it one bite at a time. That means losing weight can’t happen all at once. Think about small things you can do to reach your goals. If you’re losing weight, don’t try to overhaul your entire diet at once. Instead, start by skipping your nightly dessert and walking through your neighborhood in the evenings.

Schedule time. Make an appointment with yourself to work on goals. Set an alarm on your phone to remind you that your goals are just as important as anything else you will do today.

Celebrate accomplishments.  When you reach a milestone, give yourself a small treat. If you’re saving money, give yourself a few bucks to go to the movies or buy that fancy coffee you love so much. Just don’t go overboard and undo your hard work!

Be kind to yourself. Be your own cheerleader. Remind yourself why you started on this journey and replace negative self-talk with positive affirmations.

Focus on the journey, not the destination. Achieving goals is about changing habits. Why do you spend too much money? Do you shop when you’re stressed or bored? Why do you smoke? Why do you overeat? Finding the answers to these questions often is key to changing your habits.

Keep record.  Make a chart to monitor your debt pay-off. Keep a food diary or use a phone app to monitor calorie intake. Keep a checklist of all the areas in your house that you want to organize this year or write on a calendar each day that you didn’t smoke a cigarette.

Get help.  If you are dealing with a serious addiction or a problem that you can’t handle alone, find a support group or seek counseling. There is no prize for struggling alone and there are people and organizations who can help.

Don’t give up. Whatever you do, just keep trying. You most certainly will face obstacles and setbacks but remember not to give up the thing you want most in this world for the thing you want right now.