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.

Teach your kids to be life-long savers

2021-05-11T15:27:02+00:00April 21st, 2021|

The idea of saving isn’t always as tangible as putting money in a piggy bank or opening up a youth savings account, especially for kids. In celebration of Earth Day, here are 5 lessons for your kids that pair saving and conservation. 1. Turn off the water. Teach them to turn off

Personal Bankruptcy

2021-04-16T13:12:32+00:00April 16th, 2021|

Bankruptcy is a tool that can help you find financial stability—as a last resort. Understanding Bankruptcy Congress created the Bankruptcy Code, a breakdown of ways a debtor can plan to get out of debt when their creditors are trying to collect. The option to file for personal bankruptcy is there to help a

  • Woman buying the car.

Auto Financing Calculator

2021-04-16T02:01:48+00:00April 16th, 2021|

Low Rate vs. Cash Back Auto Financing Calculator HOW IT WORKS When buying a car, you may be faced with either a cash-back incentive or a lower interest rate. This calculator outlines the total amount you’ll pay with either option, comparing total savings.Enter the price, down payment, loan term, and interest rate (not the low offer rate) for

Personal Loan Calculator

2021-04-16T01:56:30+00:00April 16th, 2021|

Coach: Personal Loan Calculator HOW IT WORKS Ultimately, you can reduce how much you pay toward your personal loan, if you calculate the right amount of money to pay each month. This calculator will help you see how long it will take to pay off your personal loan using your loan’s interest rate and the amount owed.First, enter

Repairing Credit

2021-04-16T01:47:36+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

5 Steps To Start Your Savings Journey

2021-02-22T18:17:19+00:00February 22nd, 2021|

We get it. Saving money is hard. With small steps, you can make big changes towards your savings journey. 1. COMMIT TO ESTABLISHING EMERGENCY SAVINGS Unexpected expenses and emergencies can sabotage your financial goals, so that is why it is crucial to build an emergency fund. Set a goal of saving $500 for

Leaving a Job with a 401(K)

2020-10-30T20:24:20+00:00October 30th, 2020|

When you leave a job with a 401(k), you’ll generally have four options for what to do with the money. Each has its own benefits and drawbacks, so deciding what’s right for you will depend on your situation and preferences. Leave the Money in Your Old Account If you have more than $5,000 in

Saving With A Purpose

2020-10-28T19:38:48+00:00October 28th, 2020|

Coach: Saving With a Purpose HOW IT WORKS Saving with a purpose is the secret to making your goals a reality. This Coach session will help you set concrete savings goals and show you how much you need to save every month to reach them. To begin the Coach session, select Get Started. Next, follow along,

Simplify Your Christmas Shopping in 5 Easy Steps

2020-09-18T17:47:47+00:00October 5th, 2020|

Earlier this month, I stopped into a local store to get some back to school supplies for my children, and quickly discovered several aisles of Christmas décor and gift ideas. It seems that the countdown to Christmas arrives sooner every year. While I love Christmas, taking the time to slow down to savor that

Vacation Affordability Calculator

2020-09-15T11:32:42+00:00September 15th, 2020|

Calculator: Can I Afford a Vacation? HOW IT WORKS You’ve got all the details and are ready to make your dream vacation a reality. Make sure your wallet can handle the trip before you hit the road (proverbial or otherwise). First, enter your estimated costs for accommodations, travel expenses, transportation, and activities. Then, tell us how

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