Boost Your Financial Knowledge
If you’re looking for a place to start, we’ve got you covered. Whether it's questions about homebuying, budgeting, or managing your credit we are ready to lend a hand.
Understanding your finances can seem like a daunting task, but with the proper stepping stones you can become a financial wiz! Look over our resources and start building confidence in your financial future.
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Budgeting and Saving:
Budgeting and saving can be easier than you think. We can show you how to plan for your financial goals in a way that works for you.Learn More -
Learning Center:
Expand your financial smarts with our free online courses. Knowledge is power after all, start learning today.Learn More -
Boost Credit Scores:
Understand how your credit score is calculated and explore ways to raise it over time.Learn More
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Savings Accounts
Build your savings with competitive rates and great returns. Check out our certificate and money market accounts.Compare Options -
Keys to Homebuying
Ready to buy a new home? Learn the step-by-step homebuying process from our experienced loan officers.Get Homebuying Guidance
Top Ways to Start Saving
Want to see your favorite band or go on vacation without worrying about your bank account? Take advantage of these three savings tips to reach your goals or eliminate debt faster. Let us help you raise to the challenge of adding money to your savings with consistency. While there are plenty of simple ways to save daily, these three steps can provide that initial boost to your new savings mindset.
Set up accounts for specific saving buckets like rent, fun or a new car. Creating a separate account for a specific savings goal helps keep a constant eye on your progress. Learning how to move your money around with separate accounts creates a positive financial habit and can keep your goal top of mind.
Use our budgeting systems to help eliminate credit debt or student loans. Eliminating debt is one of the best ways to increase the amount you save every month. The best part is, there are plenty of unique budgeting strategies available for you to try out! Check out some of the suggested budgeting strategies below, and find the one that works the best for you.
Schedule recurring transfers from your checking account to your savings account each month. When you automate your cashflow, you can pull money from your paychecks without having to even think about it. Create an “out of sight out of mind” style of saving for your goals.
Simple Ways to Save Every Day
It’s time to shift your mindset from spending to saving! You don’t always need a specific account type to provide a significant boost to your savings. You can save a lot more than you think by making simple adjustments to your everyday life. To start, try creating a basic savings account in Digital Banking specifically for you vacation or emergency fund goal. Next, use tips like these to save you money on a daily, weekly or monthly basis.
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Start Setting Goals
Keep things simple, smart and effective. Try making daily or long-term savings goals to keep your mind on a savings track.
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Make Coffee at Home
Buying coffee is a luxury that we all fall into. Did you know that you can save hundreds a year by making coffee at home? Try reducing the amount of coffee you buy in the morning, and the amount you go out to lunch or dinner.
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Learn to Say No
Practice standing your ground to stop unnecessary spending habits. Normalize living within your means and establish “wants” versus “needs.”
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Be a Budget Hero
Research, find a plan that works for you and stay on track with a budget. Without a budget, most of your saved funds could end up being accidentally spent.
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Stop Subscription Creep
We often sign up for free trials and forget to cancel before the charges happen. Make sure you’re only paying for subscriptions that you use.
Using Credit Cards Wisely
A credit card is a great tool to have for your financial needs. They can be used to build your credit score, for travel benefits and more. Just be cautious if you are using one for all your expenses.
It’s easy to create a pile of debt with credit card purchases, interest and fees. Learning to use your credit card responsibly is an important skill so you don’t end up with debt you can’t afford to pay back. Lookout for the following pitfalls when using your credit cards.
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If you use your card for everyday spending, you can use features like auto pay to make sure you never miss a payment. When you pay your balance in full each month you can maximize the benefits and protections that come along with your credit card. Keep in mind, missing payments can negatively affect your credit score.
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Live within your means and purchase what you can afford. Be smart about your spending habits, and never spend up to your limit. Just because you have access to more money, does not mean you should use all of it. If you have trouble overspending, you can add spending limits using our card management tool in Digital Banking.
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Experts suggest that you should use less than 30% of your credit. Going over that limit can incur higher fees and quickly prevent you from paying down debts.
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Set up alerts to monitor fraud. Always keep an eye on your transactions for phony purchases. If you notice charges like these, notify your card company and put a hold on your account. Landmark members can easily monitor transactions like these or put their card on hold by using our mobile app.
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Understand fees and how interest will be charged to your card. Annual fees and late payment fees can add up without you realizing. Get ahead of this by managing your monthly payments.
What Does Your Savings Look Like?
What’s better than keeping your money under the mattress? Putting it into a savings account that grows with you. Opening a savings account takes no time at all and can be a valuable resource. Keeping your money secure, assisting with goals and guaranteed growth are a few good reasons to use them. Take advantage of one or more of our savings options and make your money work for you.
Your Financial Refresher
If you’ve ever felt out of the loop during a financial conversation, don’t worry. We’ve all been there. Mastering your finances can be overwhelming sometimes, and it may take time to decide on a starting point. That’s where our learning center comes in.
We’ve pulled together a comprehensive list of educational articles, courses and guides all in one convenient place to help you master your financial conversation points. Outside of conversations, these resources will help you understand banking basics, homeownership, unexpected expenses and so much more. Launch one of our free courses now!
Improve Your Chances with Improved Credit
Do you know your credit score? If you're looking to upgrade your old vehicle to a stylish new car or give yourself an advantage when applying for a home loan, your credit score can play a key role in that process. If your score is not where you hoped, become a Landmark member and use Credit Hub powered by Savvy Money to set you on the right track. Check your score for free, setup alerts, set credit goals and learn how you can enhance your score1.
Mastering Your 2025 Budget
If learning how to budget is a part of your New Year’s resolution, try one of these popular strategies. Stay in control of your money by using Loud Budgeting to keep your budget in the conversation or learn how to pay yourself first. Find the best starting place below.
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A reverse style of budgeting where you take your monthly income and set aside cash for your savings goals first. After that, you use the rest for necessary bills and other expenses. Figure out what percentage you want to save each month and automatically take that amount out per paycheck right away. You can always increase or decrease the amount you are taking out depending on your comfortability.
- Great for those who want to save without investing a lot of time and energy into a budget.
- Not the best strategy for those that have very little wiggle room with bills and leftover income.
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An oldie but a goodie. Set your spending limit for each category you spend money on like groceries or utilities. Then fill an “envelope” with money you will use on that category. While using a physical envelope used to be the preferred method, you can approach this any way you like. This method helps to prevent overspending on unnecessary categories or reach a savings goal.
- This strategy works for those who want a physical grasp on where their money is spent.
- Since this method involves physical money, it can have the pitfall of misplacing funds. Additionally, it requires time and energy to manage several “envelopes”.
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This strategy involves splitting your income across three categories. Break out your money into 50% for needs like bills or groceries, 30% for wants like a night out with friends and 20% for general savings or paying off debt. Remember, it’s important to stay consistent with your categories. Swapping expenses from bucket to bucket is not ideal and can ultimately defeat the purpose of the budget.
- Perfect for those who need a consistent budgeting strategy but don’t need to worry where every dollar goes.
- Not ideal for those with changing expenses like contract workers.
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Great for planners, this method uses every dollar and cent deliberately. Allocate your money to all needs, wants, investments and savings. The goal: income minus expenses, equals zero. Layout your take-home income for the month. List all your necessary expenses like your mortgage and car insurance. Then any other expense categories like groceries, transportation and entertainment. Take your income and start subtracting your expenses from it. Whatever is left, move it to savings, retirement accounts or an emergency fund until you reach zero.
- This is a good strategy for budgeting pros who want to know every detail of their dollars spent.
- This won’t work for individuals who prefer an out of sight out of mind method of saving.
Quick Tips Before Buying a Home
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Align Your Credit
Stability is the name of the game here. Lenders want to know that your income is steady and that you can make payments on time. Learn ways to improve your credit score in our article How To Improve Your Credit Score. -
Calculate What You Can Afford
Before you get pre-approved, use a mortgage calculator to estimate your monthly payment. Double check that it aligns with your budget and works with your annual income. -
Get Pre-Approved
A pre-approval is a free estimate of how much you will be approved for a home loan. Not only will this provide you with a baseline during your search, but it also gives you an edge when putting in an offer. -
Save For a Down Payment
Determine the percentage that you’re comfortable putting down and save! Keep in mind, putting a higher down payment can help lower your monthly mortgage payment.
Prepping to Sell?
Not only are we here to help with your home buying needs, we’re also ready to help you move into your next home. We can’t pack up the pots and pans, but we can start you in the right direction! If you’re thinking about selling, there are steps you can take to know what you can and cannot afford. Additionally, there are ways you can prepare your home to appeal to potential buyers. Here are some great steps to take if you are preparing to sell your home.
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Upgrading your home can also mean upgrading your mortgage costs. Even if you’re downsizing, the cost can be more. As an example, you could be going from a $200,000 home to a $300,000 condo. Before making the move, remember to review your finances and make sure you’re comfortable with a new monthly mortgage cost.
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Chat with a real estate agent before starting a home improvement project. You may think a particular project will add a lot of value, but it may not be what people in the market are looking for. Sometimes simple aesthetic updates are the most worthwhile investments when you're preparing to sell your home. Your real estate agent can help you determine what looks most appealing to a buyer, to get you the best bang for your buck.
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Declutter your home before you put it on the market. Make it as simple as possible so buyers can imagine themselves in the home. Removing clutter can also make rooms appear larger and more appealing.
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The best first step in this process is to talk with an experienced loan officer. Set up a meeting so they can walk you through the process and create a comfortable timeline. Establish what you need to do with your home beforehand, and what actions you can take to feel financially stable going forward.
A loan officer will break down where you are financially and make recommendations on what you can afford and what you should avoid purchasing. For example, if you’re planning on buying a new car while you plan to move, they may recommend pushing off the purchase of a new vehicle until you close on your new home loan. Our loan officers can help you get a holistic look at the entire process before taking the next steps.
Time For a Change of Scenery?
The homebuying process comes in all shapes and sizes. Whether you’re going from renting to owning, downsizing your living situation or building a dream home, our experts can help. If it’s time to change your 2025 housing, we have the resources to get you there. Attend a seminar in person or online to get a new perspective on homebuying.
Get more tips for buying a home in our recent article Essential Guide for First-Time Homebuyers.