Banking tips

Determine in advance how much money you plan to deposit each month. If you receive a raise, increase the amount of money deposited into your savings account.
Arrange to have a specific amount transferred to your savings account every pay period. Consider automatic payroll deductions or automatic transfer from checking to savings.
Simple things can make a big difference: Packing a lunch instead of buying food on campus or making coffee at home instead of buying it from a shop, can really add up on the long run.
There are thousands of options for financial services products. Be selective and get the best prices, services, convenient locations and lowest fees for credit cards, bank accounts, and mortgages.
Put your savings in a high-interest savings account, a certificate of deposit or a money market account. For long-term goals, such as saving for your children education, your dream home or even for your retirement, look into bonds, mutual funds, real estate and stocks. Otherwise, inflation will erode the value of your savings.
Your banker is always there to support you and inform you about the various types of accounts and interest rates applied at your bank. You just have to ask and we will offer you a package of products and services that would best suit your needs.
Make sure your expenses aren't exceeding your income. The best way to do this is by budgeting. A great place to start is simply writing down everything you spend in a week. You’ll quickly see where your money is going and where you can save.
Getting a loan from the bank is always based on Credit Rating, i.e. on the borrowing capacity of the client. Having a good Credit rating and Credit History is essential if someday you want to borrow money to invest, to buy things you want, to travel and more importantly to study!
No matter how much you owe for educational loans or credit cards and no matter how low your income may seem, it's wise to find some amount - any amount - of money in your budget to save in an emergency fund every month.
If you get into the habit of saving money and consider it as a non-negotiable monthly "expense", pretty soon you'll have more than just emergency money saved up: you'll have retirement money, vacation money and even money for a home down payment.
Because of the way compound interest works, the sooner you start saving, the less principal you'll have to invest to end up with the amount you need to retire, and the sooner you'll be able to call working an "option" rather than a "necessity".
The best way to save is to have an amount automatically transferred out of your salary to an online checking or savings account. It is a painless way to save. What you don't see, is what you won't miss.
When you land your first job, you can begin saving for things you might like to buy in the future. Decide what you really want and focus on your most important goals.
Subscribe to a health insurance. It’s important to invest in an insurance to cover yourself from the unexpected accidents of life. Starting an insurance plan at an early age will save you a lot of money! The younger you are, the smaller your premiums will be…
Anything to do with money often involves lots of paperwork - account statements, contracts, policy documents, terms and conditions and more. If you're tempted to throw away all this paperwork, don’t! Even if you won't read it all straight away, get into the habit of keeping the important paperwork in a special file that's easily accessible. It will come in handy if you have a question or problem about your financial affairs.
Protect your passwords, guard your credit card number, shred sensitive paperwork, and don’t leave your mail where it might tempt a potential - thief.
You don't have to be rich to save. Anyone with any income can put money aside. Small amounts regularly saved can become large chunks that can pay off your debts and grow bigger when invested.

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