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REAL ESTATE SCAM TARGETS CLOSING PROCESS

You’re in the final stages of closing on a home and receive a last-minute email telling you that plans have changed and to wire the money to a different account.

What should you do?


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SAVING AND PLANNING FOR VACATION

A vacation is a great escape – and it’s even better if you’re not worrying about how to pay for it.

So whether you’re traveling close to home or across the ocean, saving money, setting a budget and planning ahead can help you take the best trip you can afford.


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TIPS TO AVOIDING OVERDRAFT FEES

If you’ve ever overdrawn your checking account – you know, ‘bounced a check’ – you’re aware it can be a costly hassle.

That’s why it’s important to always keep track of how much you spend, whether it’s shopping with your debit card, using an ATM, or writing checks.

An overdrawn account happens when you spend more money than you have, which can result in potentially costly overdraft or transaction fees.

Here are a few tips to help you avoid overspending...


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CONSIDER USING A PROFESSIONAL AT TAX TIME

Taxes can be complicated.

That’s why it’s important to have important documents ready at tax time so you can file with all the information you need - and why it might be important to use a tax professional, such as a CPA, an attorney or another qualified preparer.


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THE 'HIDDEN' COSTS OF BUYING A CAR

When it’s time to buy a car or truck, you need to make sure you can afford all the extras that go beyond the actual price you negotiate.

Sometimes called ‘hidden’ costs because they’re not part of the sticker price, these additional expenses range from one-time charges to costs that last as long as you own the vehicle.

Keep these costs in mind when deciding if they fit your budget...


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GETTING MARRIED? IT'S TIME TO TALK ABOUT FINANCIAL GOALS AND NEEDS

Congratulations, you’ve found the perfect person and you’re going to get married.

Since marriage is a partnership where planning needs to be a team effort, it’s important to talk about finances and to start looking ahead well before your wedding day.

Your plans should include working on a household budget to balance your spending and savings needs.


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STARTING A FAMILY? IT'S TIME TO BEGIN YOUR FINANCIAL PLANNING

Thinking about starting a family? Then it’s time to look closely at your finances because the costs will add up quickly.

Think about diapers, car seats, strollers, cribs, day care, insurance and much more.


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RETIREMENT: WHAT TO DO IN YOUR 40s

In your 40s, you can look at your retirement savings and realize that you either have a healthy start on the future … or that it’s time for some emergency action.

If you started contributing to your retirement fund in your 20s or 30s, your money has already been growing. And if you can swing it, your 40s are a good time to take a look at increasing your monthly contribution.

But if you’ve waited until now to get started, it’s time to get serious.


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AUTOMATE YOUR SAVINGS

Automation makes things easier, so how about using it to save money?

While it’s not always easy to do, saving money should be one of your prime financial goals, whether it’s for a down payment on a house, a large purchase, or an unexpected emergency.

Automation can make saving a simple part of managing your money.

Think about it in three steps: Assessing, assigning and automating.

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ONLINE BILL PAY

OK, we all know that paying bills isn’t fun, but it should at least be simple and secure, right?

We can make that happen - with online bill pay.

Online bill pay through our online banking services allows you to set up recurring or single payments from your computer.

This safe and easy way to pay your bills puts you in charge, whether you’re at home or on the road.

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RAISE YOUR CREDIT SCORE

Did you know that a low credit score can make getting a loan or credit card harder and can cost you more in interest charges?

Is your score in need of a boost?

While you can’t raise your score overnight, here are some things to start doing right now that can make a positive difference in just a few months.

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TEACHING YOUR KIDS TO SAVE

Did you know that a low credit score can make getting a loan or credit card harder and can cost you more in interest charges?

Is your score in need of a boost?

While you can’t raise your score overnight, here are some things to start doing right now that can make a positive difference in just a few months.

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TEEN CHECKING ACCOUNT

Did you know that a low credit score can make getting a loan or credit card harder and can cost you more in interest charges?

Is your score in need of a boost?

While you can’t raise your score overnight, here are some things to start doing right now that can make a positive difference in just a few months.

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  •   PO Box 2009,
         Lawton, OK 73502
  •   cnb@cnbok.com
  •   (866) 385-3444

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