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Budgeting 101
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- Lifetime Financial Wellness
- Budgeting 101
Budgeting 101
Welcome to “Lifetime Financial Wellness,” a benefit brought to you by C&N through a partnership with your employer. The resident experts here at C&N worked together to present this how-to segment called “Budgeting 101.”
Before we begin, we should start with why. A budget will help you to stay out of debt, because you won’t be spending money that you don’t have and it will also help you prepare for when unexpected expenses come up, like medical expenses or if your car breaks down. Whatever your goal, having a budget will help you cut back on unnecessary expenditures and focus on the ones that are most important.
So let’s get started!
Budgeting Tools
Take the next steps toward reaching your savings goal with our planning tools and learn more about
money management with tips from our C&N experts.
Not every financial choice in life is all good or all bad—figuring it all out is hard. Through the Plus simulated learning environment, you learn through real-life scenarios. The goal of Plus is to save for your dream home while monitoring your credit report. You'll get to see how spending habits play out and affect long-term goals when simulated over years.
Our Plus program teaches about:
- Qualifying for a mortgage
- Building healthy credit
- Buying auto insurance
- Avoiding identity theft
- ...and so much more!
Note: This link will redirect you to a landing page with our partner, Banzai.
C&N Library - Money Management Articles
- Avoid the Financial "Hangover" This Holiday Season
- 5 Tips to Enjoy Your Summer Vacation on a Budget
- Understanding Your Credit Score
Visit our C&N Library for more informational articles written by your local C&N experts
Ready to start budgeting? Use one of our calculators to help you set your budgeting.
Use our personal budgeting spreadsheet to track your finances.
Everyday Checking
- No minimum balance requirement or maintenace fees1
- Free Visa® Check Card
- Free Online, Mobile, Text and Telephone Banking2
- 10 free Mobile Deposit transactions per month
Key Savings
- Interest paid on balances of $200 or more
- Open as stand-alone account or in companion with your C&N Lifetime Wellness Checking account
- Interest credited quarterly
C&N's Home Financing Perks
- $250 toward closing costs on a C&N mortgage3
- Organizational binder with any C&N Mortgage
Trust & Financial Management Group
- Free financial evaluation4
- Free tax evaluation4
Early Access to C&N special offers and promotions
Account openings and credit are subject to Bank approval.
- The following qualifiers are in place to avoid monthly service charges on Lifetime Wellness checking: Customer must maintain direct deposit of pay into the Lifetime Wellness Checking account (at least one direct deposit per month is required), the customers employer must remain an active participant in the Lifetime Wellness program and the customer must maintain continuous employment with the company through which the Lifetime Wellness program is offered. This offer is limited to one Lifetime Wellness Checking account per employee. This offer may be withdrawn or changed at any time without notice. Other restrictions and fees may apply.
- Message and data rates may apply from your wireless carrier.
- Only one Lifetime Wellness credit allowed per loan. The credit is only intended for the refinance or purchase of a primary home.
- Some products are not FDIC insured or guaranteed, not a deposit or other obligation of the bank, not guaranteed by the bank and are subject to investment risk, including the possible loss of the principal amount invested and are not insured by any other federal government agency.
