Banzai!

First Southern National Bank has partnered with Banzai to bring you clear, in-depth lessons to help you dive into the financial topics you care most about.

College Budget Breakdown

2021-07-27T19:37:21+00:00July 27th, 2021|

"How much does college cost?" It’s not to say this question isn’t answerable, but grouping college into one huge expense can be a little deceiving. The cost of a degree is so much more than a singular bill—especially if you factor in questions like where you’ll be living, how you’ll get from point

4 tips on how to pay for home renovations

2021-06-18T12:25:37+00:00June 16th, 2021|

Most home renovation projects are done in the spring and summer, and we have some helpful advice on how to pay for them! Summer is here, and you might be noticing some things you would like done around the house. From simply painting the living room a new color or building a porch

Repairing Credit

2021-06-11T01:16:34+00:00April 16th, 2021|

Coach: Repairing Credit HOW IT WORKS Not sure where to begin repairing a less-than-ideal credit score? In this Coach session, get ideas for repairing your credit score in the short- and long-term and create an actionable list. To begin, select Get Started. Follow the prompts, answer the questions, and provide information when asked.

How Do I Build Credit?

2021-04-16T01:35:20+00:00April 16th, 2021|

Coach: How Do I Build Credit? HOW IT WORKS A good credit score has a major impact on your finances, so it’s important to start out strong. In this Coach session, learn how to build a credit score for the first time or boost an already decent score, and create a plan with options that work for

Financial Wellness Assessment

2021-04-15T21:45:50+00:00April 15th, 2021|

Coach: Financial Wellness Assessment HOW IT WORKS The Financial Wellness Assessment lets you take a step back, analyze your spending, budgeting, and saving habits so you can reflect on how you’re currently managing personal finances. This assessment addresses your individual financial decisions and goals before giving you recommendations on where you can improve and how to get

Mortgage Refinance Calculator

2020-09-15T11:34:45+00:00September 15th, 2020|

Calculator: Refinancing Your Mortage HOW IT WORKS When interest rates drop or market values rise, it’s a good time to think about refinancing. First, enter the loan balance, payment, and interest rate for your current loan. Then, select a focus: do you want to reduce your term length or monthly payments? Adjust the term length, interest

Mortgage Estimation Calculator

2021-07-19T16:30:14+00:00September 15th, 2020|

Calculator: Mortgage Estimator HOW IT WORKS When you’re thinking about a new mortgage, why not start with what will impact you the most day-to-day: your monthly payment? This calculator shows you the best-case scenario for a mortgage, beginning with your preferred monthly payment. Enter your ideal monthly payment, potential down payment, preferred loan term, and interest

  • graphic of an apartment building

Find a Place to Rent

2020-08-07T14:39:09+00:00August 7th, 2020|

For many, picking the right house or apartment in a tight rental market is daunting, but by preparing in advance, you're more likely to find the perfect place to call home. While renting requires less immediate cash and fewer obligations than owning a home, that doesn't mean that it's cheap or easy, or

  • orange graphic showing images of home ownership

Rules for Renting

2020-07-01T15:55:49+00:00July 1st, 2020|

You have rights as a renter. Of course, your landlord has rights too. If all goes well during your tenancy, there’s no reason that the two of you should butt heads. But if something goes wrong, you should know what the laws that govern your tenancy are—they can make your life a lot easier

  • line graphic of house and calculator

The Cost of a Mortgage

2020-06-30T21:04:19+00:00June 30th, 2020|

Since monthly payments spread the cost of a mortgage loan over an extended period, it’s easy to forget the total expense. For example, if you borrow $200,000 for 30 years at 6% interest, your total repayment will be around $431,680, more than two times the original loan. What seems like minor differences in the interest rate can add

  • owning a home

Home Money Smarts

2020-06-30T18:54:51+00:00April 1st, 2020|

Home Money Smarts It helps to know the ins and outs of home finance. What's in a Rent Payment? When you're budgeting for rent, make sure you know what a monthly payment covers. Landlords in different areas include specific things in the price of rent. For example, in some cities, landlords are required

  • natural disasters

Insuring Your Home

2020-06-30T18:55:04+00:00April 1st, 2020|

Buying a home is never financially easy, especially when you’re young. But one of the things that makes it worthwhile is the fact that—unlike with a rental—the money you spend on it becomes an investment. That’s why home insurance is so important. Without it, if your home is damaged or destroyed, you lose

Go to Top