Southern Bank Money Management Blog http://bankwithsouthern.com/advice-planning/education/money-management-blog/ Most Recent - Southern Bank Money Management Blog en-US 2018-10-24T03:10:22How to Save Time and Money<p><span>As Benjamin Franklin once declared, &ldquo;Time is money.&rdquo; Which may be true, but it&rsquo;s nice to have plenty of both, right? Achieving that may be easier than you think, and you can...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-save-time-and-money2018-09-15T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-save-time-and-money 4 Ways to Save the Planet While Saving Money<p><span>Taking steps to be more earth-friendly is a worthwhile endeavor for anyone. But it&rsquo;s even sweeter when it comes with financial benefits too. Check out these easy ways to make it happen....http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-ways-to-save-the-planet-while-saving-money2018-09-05T02:01:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-ways-to-save-the-planet-while-saving-money Give Your Grad the Gift of Financial Education<p class="p1"></p> <h3><span class="s1"><b>How checking accounts work</b></span></h3> <p class="p2"><span class="s1">Every graduate needs a <a href="http://bit.ly/2kNDnzy">checking account</a>. If you...http://bankwithsouthern.com/advice-planning/education/money-management-blog/give-your-grad-the-gift-of-financial-education2018-06-11T02:31:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/give-your-grad-the-gift-of-financial-education Are Bi-Weekly Mortgage Plans Worth It?<p class="p1"></p> <p class="p2"><span class="s1">The simple answer is: yes, it does. At the most basic level, bi-weekly payments require you to make a payment on your mortgage every two weeks, ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/are-bi-weekly-mortgage-plans-worth-it2018-05-09T09:54:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/are-bi-weekly-mortgage-plans-worth-it The Four Biggest Mortgage Mistakes to Avoid<h3 class="p1"></h3> <h3 class="p2"><span class="s1"><b>Mistake #1: Being &ldquo;house poor.&rdquo;</b></span></h3> <p class="p2"><span class="s1">If you commit too much of your monthly income to ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/the-four-biggest-mortgage-mistakes-to-avoid2018-05-09T09:26:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/the-four-biggest-mortgage-mistakes-to-avoid What is the Best Business Checking Account for Your Business?<h3 class="p1"></h3> <h3 class="p1"><strong>Here are some critical questions to consider in making your decision:</strong></h3> <p class="p3"><span class="s1"></span></p> <ol class="ol1"> <li class=...http://bankwithsouthern.com/advice-planning/education/money-management-blog/what-is-the-best-business-checking-account-for-your-business2018-04-17T01:35:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/what-is-the-best-business-checking-account-for-your-business How to Effectively Apply for a Small Business Loan<p class="p1">While small business loan requirements may be more flexible than other types of loan programs, you will be required to submit a significant amount of documentation with your application....http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-effectively-apply-for-a-small-business-loan2018-04-13T01:49:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-effectively-apply-for-a-small-business-loan Welcome Southern Missouri Bank of Marshfield Customers and Team Members<p class="p1">For over 130 years, we&rsquo;ve proudly partnered with our customers to not only serve their banking needs, but to help build stronger families, businesses and communities. We&rsquo;re ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/welcome-southern-missouri-bank-of-marshfield-customers-and-team-members2018-03-16T09:58:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/welcome-southern-missouri-bank-of-marshfield-customers-and-team-members First-Time Homebuyer? Know What to Ask Before You Own<h2 class="p1"><b>Q: Do I need to get pre-qualified for a loan? If so, when should I do it?</b></h2> <p class="p2"><span class="s1">A: Yes! You should get pre-qualified&nbsp;<i>prior</i>&nbsp;to your ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/first-time-homebuyer-know-what-to-ask-before-you-own2018-03-14T10:04:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/first-time-homebuyer-know-what-to-ask-before-you-own What are the Reasons to Use Home Equity?<h2 class="p1"><span class="s1"><b>Use #1: Make major home renovations.</b></span></h2> <p class="p1"><span class="s1">Typically, major home renovations require large amounts of money &ndash; whether ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/what-are-the-reasons-to-use-home-equity2018-03-09T10:03:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/what-are-the-reasons-to-use-home-equity Planning to Buy This Spring? Get Ready Now!<h3 class="p1"><b>Get pre-qualified</b>.</h3> <p class="p2"><span class="s1">Before you start looking for a home, get pre-qualified. This way, you&rsquo;ll know what you can afford and can shop within...http://bankwithsouthern.com/advice-planning/education/money-management-blog/planning-to-buy-this-spring-get-ready-now2018-03-01T12:18:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/planning-to-buy-this-spring-get-ready-now How to Avoid Fees on Your Checking Account<h3>Keep the required minimum balance in your checking account.</h3> <p>If you&rsquo;re short on cash and need to pay a bill or make a purchase, use your Southern Bank app to transfer the funds from ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-avoid-fees-on-your-checking-account2018-02-20T03:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-avoid-fees-on-your-checking-account Become a Better Saver<h3><strong><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;"><br /></span><span style="font-weight: 400;">Pay Yourself</span></strong></h3> <p><strong><span style="font-...http://bankwithsouthern.com/advice-planning/education/money-management-blog/become-a-better-saver2018-01-06T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/become-a-better-saver Simplify Your Finances<h3><span>Consolidate Your Accounts </span></h3> <p><span>If you have multiple checking or savings accounts, consolidate them to one of each &ndash; and do the same with retirement accounts. This will...http://bankwithsouthern.com/advice-planning/education/money-management-blog/simplify-your-finances2018-01-02T01:30:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/simplify-your-finances How to Avoid Overdraft Fees<h3>Keep track of your account balances regularly.</h3> <p>Using online or mobile banking, you can keep an eye on your balances and transfer money when necessary. Or, before you withdraw from an ATM, ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-avoid-overdraft-fees2017-12-20T11:18:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-avoid-overdraft-fees 3 Financial New Year’s Resolutions You Can Actually Keep<h3>1. I will make the most of my money.</h3> <p>If you&rsquo;ve been paying for checking, don&rsquo;t let fees take a chunk of your money again. Instead, grow your account with Kasasa from Southern ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-financial-new-year-s-resolutions-you-can-actually-keep2017-12-11T03:54:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-financial-new-year-s-resolutions-you-can-actually-keep Top 4 Tips for Black Friday Shopping<h3>1) Earn as you buy.</h3> <p>Add a little something extra to your Black Friday purchases by signing up for Kasasa Cash Back. With this free checking account, get 4% cash back* on your debit card ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/top-4-tips-for-black-friday-shopping2017-11-20T03:09:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/top-4-tips-for-black-friday-shopping 3 Reasons People Love Mobile Banking<h3>1) Convenience in your Pocket</h3> <p><span> You can cross &ldquo;stop by the bank&rdquo; off your to-do list. Mobile banking allows you to deposit checks, transfer funds, pay bills and more right...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-reasons-people-love-mobile-banking2017-11-20T03:50:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-reasons-people-love-mobile-banking 4 Truly Terrifying Things You May Not Know About Your Checking Account<p><span>Have you ever averted your gaze from a computer screen and stifled a scream as you pulled up your eStatement? If you&rsquo;re not banking with Kasasa, there may be some really scary stuff ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-truly-terrifying-things-you-may-not-know-about-your-checking-account2017-10-25T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-truly-terrifying-things-you-may-not-know-about-your-checking-account 3 Things You Didn’t Realize Your Business Needs<h3>Variety of Payment Options</h3> <p>If you accept only cash and checks, you&rsquo;re losing sales from customers who may not have these options on hand. Bring your business into the 21st century by...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-things-you-didn-t-realize-your-business-needs2017-10-01T08:40:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-things-you-didn-t-realize-your-business-needs How to Jumpstart Your Holiday Shopping<p><span>Sure, September seems a long way from Christmas morning right now. But we&rsquo;re just 12 weeks away from shredded wrapping paper and candy cane-induced headaches. Are you getting stressed ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-jumpstart-your-holiday-shopping2017-09-05T02:58:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-jumpstart-your-holiday-shopping 3 Ways Personal Finance Manager Can Make You Smarter<p><strong>As financial guru Dave Ramsey has said: &ldquo;You must gain control over your money or the lack of it will forever control you.&rdquo; No matter what your intentions, it&rsquo;s hard to ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-ways-personal-finance-manager-can-make-you-smarter2017-09-05T02:01:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-ways-personal-finance-manager-can-make-you-smarter 4 Things Every 40-Something Should Be Doing With Their Money<h3><strong>PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU</strong></h3> <p>Not every checking account is an asset to your finances. Between monthly service fees, ATM fees and mobile banking fees, your ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-things-every-40-something-should-be-doing-with-their-money2017-08-24T04:13:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-things-every-40-something-should-be-doing-with-their-money Top 7 Tips for Back-To-School Savings<h3>1) REUSE ITEMS FROM LAST YEAR</h3> <p>&ldquo;Calculators, pencil cases and even backpacks may withstand more than one year&rsquo;s worth of wear and tear. Buying fewer items can save quite a bit ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/top-7-tips-for-back-to-school-savings2017-07-27T06:55:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/top-7-tips-for-back-to-school-savings 3 Ways Mobile Deposit Will Change Your World<h3><strong>1.) It saves time.</strong></h3> <p>Access to mobile banking on your smart phone or mobile device means fewer trips to the bank or ATM. You can check your balances, view transaction ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-ways-mobile-deposit-will-change-your-world2017-07-10T01:29:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-ways-mobile-deposit-will-change-your-world Travel-Smart Money Tips<h3><strong>Sign up for mobile banking.</strong></h3> <p>If you haven&rsquo;t already, sign up for mobile banking with mobile deposit.* Whether you need to check your balance, transfer funds, pay ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/travel-smart-money-tips2017-07-06T02:22:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/travel-smart-money-tips 4 Simple Ways to Protect Yourself from Identity Theft<h2><em>#1 Be aware of your vulnerability</em></h2> <p>There are some common ways identity thieves steal personal information: by taking your wallet or credit cards; going through your trash for ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-simple-ways-to-protect-yourself-from-identity-theft2017-06-15T01:13:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/4-simple-ways-to-protect-yourself-from-identity-theft Smart Money Tips for 30-Somethings<h2>When it comes to checking accounts, choose wisely.</h2> <p>Not all checking accounts were created equal. Research what fees and restrictions are attached to your account&nbsp;&ndash; like minimum ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/smart-money-tips-for-30-somethings2017-06-15T01:18:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/smart-money-tips-for-30-somethings BANK EASY: How to Streamline Your Financial Life<h3>#1 Longer Hours</h3> <p>Introducing the new bankers&rsquo; hours: 7 a.m. to 7 p.m. with Interactive Tellers from Southern Bank. With Interactive Tellers, you can conduct your banking activities ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/bank-easy-how-to-streamline-your-financial-life2017-06-08T03:02:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/bank-easy-how-to-streamline-your-financial-life 3 Tools to Make Running Your Business Easier<p>The average business owner spends about 21 percent* of their time dealing with the financial side of their operation, while devoting only 5 percent to managing employees, 2.6 percent to customer ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-tools-to-make-running-your-business-easier2017-04-13T03:22:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/3-tools-to-make-running-your-business-easier Protecting Your Most Valuable Investment While You’re Away<h3><strong>Tip #1:&nbsp; Make Sure You Lock Everything Up</strong>.&nbsp;</h3> <p>According to the Department of Justice, the majority of home break-ins occur during the summer months. Make sure ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/protecting-your-most-valuable-investment-while-you-re-away2017-03-30T01:50:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/protecting-your-most-valuable-investment-while-you-re-away How the Right Bank Account Can Make College Less Stressful<p><em>Here&rsquo;s what to look for when selecting a checking account for your college-age student:</em></p> <p>&nbsp;</p> <h3><strong>ACCESSIBILITY</strong></h3> <p>Make sure your student&rsquo;s ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-the-right-bank-account-can-make-college-less-stressful2017-03-22T09:22:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-the-right-bank-account-can-make-college-less-stressful How Far Will Your Homeowners Insurance Take You After a Natural Disaster?<p><strong>Earthquake</strong>&nbsp;Many homeowner insurance policies exclude coverage for losses due to earthquakes &ndash; except for fire resulting from this disaster. This is why separate ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-far-will-your-homeowners-insurance-take-you-after-a-natural-disaster2017-03-17T04:05:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-far-will-your-homeowners-insurance-take-you-after-a-natural-disaster The Top 3 Questions People Have About Kasasa<h3><strong>Question #1: Do you really get rewarded for banking? </strong></h3> <p><strong>&nbsp;</strong></p> <p><em>Absolutely. Explore all free rewards options &ndash; from high-interest checking ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/the-top-3-questions-people-have-about-kasasa2017-03-09T01:59:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/the-top-3-questions-people-have-about-kasasa Mortgage 101: Advice from our Experts<p></p> <h2><strong>Get control of your finances.</strong></h2> <p>&ldquo;From your credit score to the amount of money you have available for a down payment, having your finances in order is the No. ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/mortgage-101-advice-from-our-experts2017-03-06T08:09:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/mortgage-101-advice-from-our-experts Get the Most from your Banking Experience<h3>Make sure you&rsquo;re getting the most from your banking experience</h3> <h2>&nbsp;</h2> <p>You&rsquo;re 1,000 miles from home on vacation and realize you forgot to drop your mortgage payment in ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/get-the-most-from-your-banking-experience2017-02-21T02:59:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/get-the-most-from-your-banking-experience Five Budget-Friendly Date Ideas<h4>So, you have both decided that 2017 will be the year you stick to that well planned out budget! You have been doing great so far. Planning meals at home more, eating out less. Foregoing the frills...http://bankwithsouthern.com/advice-planning/education/money-management-blog/five-budget-friendly-date-ideas2017-02-13T08:01:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/five-budget-friendly-date-ideas IS KASASA REALLY FREE?<h3><strong>THE GOOD</strong></h3> <p>To answer the original question: Yes, Kasasa is really free. There are no monthly service fees, no minimum balances to earn rewards and unlimited check writing. ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/is-kasasa-really-free2017-02-08T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/is-kasasa-really-free Save Like a Pro: 4 Simple Tips to Make Saving Money Easier<p><strong>&nbsp;Set goals.</strong></p> <p>&ldquo;It&rsquo;s important to begin saving with goals in mind &ndash; both short-term and long-term goals. Meeting those short-term goals will give you an ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/save-like-a-pro-4-simple-tips-to-make-saving-money-easier2017-01-26T03:34:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/save-like-a-pro-4-simple-tips-to-make-saving-money-easier Tips for Yahoo Account Owners<p>Last week, Yahoo announced another hack affecting more than one billion accounts.&nbsp;That's roughly double the number involved in the cybersecurity incident it announced&nbsp;in September, which ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/tips-for-yahoo-account-owners2016-12-19T07:40:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/tips-for-yahoo-account-owners Seasonal Fraud: Protect Yourself This Holiday<p>While identity theft and fraud happen year-round, incidents often spike during the winter holiday season. Educate yourself on the three most common reasons that happens, and learn how to protect ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/seasonal-fraud-protect-yourself-this-holiday2016-12-16T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/seasonal-fraud-protect-yourself-this-holiday How to Buy a Home<p>Buying a home is an exciting experience, but it can also be overwhelming.&nbsp; It will probably be the single largest investment or purchase you ever make.&nbsp; For that reason, you should make ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-buy-a-home2016-04-12T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/how-to-buy-a-home Is Southern Bank's Mobile App Safe?<h2 id="subject_text"></h2> <div id="description_text"> <p>Every year, millions of dollars are stolen through identity theft and other forms of fraud in the United States. This begs the question: Is ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/is-southern-bank-s-mobile-app-safe2016-03-31T08:45:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/is-southern-bank-s-mobile-app-safe Protecting Yourself on Social Media<p>Facebook&reg; and Twitter&reg; &nbsp;may be the new means of communication for the 21<sup>st</sup>&nbsp;century, but these new technologies are inherently more dangerous than picking up the phone ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/protecting-yourself-on-social-media2015-08-24T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/protecting-yourself-on-social-media Buying Your First Home: What to Expect<p>Buying your first home is a daunting task. Committing all or most of your life savings, and signing up for a mortgage might be the largest and longest financial obligation you&rsquo;ll ever have ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/buying-your-first-home-what-to-expect2015-08-17T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/buying-your-first-home-what-to-expect It's Your Money - Manage It!<p>If you&rsquo;re a college student, you know all about trying to live on a &ldquo;shoestring budget.&rdquo; Wouldn&rsquo;t it be great to stretch that dollar a little further? Check out some ways we...http://bankwithsouthern.com/advice-planning/education/money-management-blog/its-your-money2015-08-10T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/its-your-money Are You Still Relevant?<p>No matter what size your business may be, it is hard to stay on top of the day-to-day operations as well as maintain relevance with your customers. Relevance is not about being the most popular or ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/are-you-still-relevant2015-08-03T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/are-you-still-relevant Be Smart About Your Credit Card<p>Having a credit card is an important way for you to establish credit prior to graduating from college. By following these tips, you&rsquo;ll be able to graduate ahead of the curve:</p> <ul> ...http://bankwithsouthern.com/advice-planning/education/money-management-blog/be-smart-about-your-credit-card2015-07-27T12:00:00http://bankwithsouthern.com/advice-planning/education/money-management-blog/be-smart-about-your-credit-card