The Holidays are coming! Is your budget ready?
Having a budget can help you manage your money better, including saving for retirement, going on a vacation, and saving for your next big purchase.

Budgets are great because they keep you mindful of your income and expenses. With a monthly budget, you will know how much you can spend in a specific category each month, what saving and spending areas need to be worked on, and so on.

But, what if you don't have a budget, or your budget just doesn't seem to be working for you?

The average family carries a lot of financial stress. Many households carry student loans, credit card debt, a mortgage, car loans, and many times, other forms of debt such as medical, furniture, and more.

Here are five tips for a better budget.

1. Have a goal.
My top tip for having a better budget is to have a goal for your budget. What are you hoping to accomplish by having a budget and managing your money better?

By thinking about this, you will be able to find more motivation to succeed with your budget, which will make it much easier. 

2. Evaluate your expenses regularly.
Spending can creep up on you, and due to that, you should evaluate your spending regularly. So many people do not realize that they spend large amounts of money in certain areas of their life, which can hold them back from reaching their financial goals.

Try to review your spending monthly to evaluate what categories you spend the most in.
NEW, Rose State College debit card desig now AVAILABLE!
On top of all of our local high school designs, we are now offering a Rose State College design. Show your Raider pride and order one today.

These designs are EXCLUSIVE to FNB Community Bank, your hometown bank!
Finance your new ride with a no-hassle auto loan, and show up at the dealership pre-qualified for real bargaining power. We promise competitive rates and affordable monthly payments, with quick decisions to get you rolling in no time. Our super low rate may not be lasting for much longer, so act NOW!

Auto Loans start at 2.99% APR*

*Annual Percentage Rate (APR) for qualified borrowers with approved credit and auto debit from a FNB Community Bank account, on new loans or refinance of non-FNB Community bank loans. Model year limits may apply. Member FDIC.
Upcoming Community Events:
It's never too early to start preparing for the holiday shopping season.

If you find yourself reaching for a credit card when it comes time to buy gifts, you may benefit from a PrimeLine personal loan, which usually has a  much lower interest rate  than those credit cards of yours!

A personal PrimeLine of credit grants you access to funds whenever you need them.

Use it all at once or a little at time — you only pay interest on what you use. Once you repay it, you can use it again without having to reapply. 

It's easy to apply and only takes minutes!
NOW AVAILABLE: Kasasa Protect
We are excited to introduce FNB Community Bank’s newest product,  Kasasa Protect!

There's a battle underway for your identity, and criminals don't fight fair. Make sure you're ready. This one-stop defensive strategy helps protect you against identity theft, credit card fraud, data breaches, and other deceptive attacks. Kasasa Protect operates around the clock monitoring your sensitive information, providing reports, and intervening as needed. By adding Kasasa Protect , you can rest easier because we're monitoring your information 24/7.

Included Benefits of Kasasa Protect:
  • Credit Reporting
  • Monthly Credit Score & Plotter
  • 24/7 Credit Monitoring
  • Dark Web Monitoring
  • Full-Service Identity Restoration
  • Lost Wallet Protection
  • Email Alerts / Credit Alerts
  • 24/7 Dedicated Kasasa Protect Support Team

You can receive ALL of this protection for only $8/month!
Optional Add On Service : FNB Community Bank offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to any of your FNB Community Bank accounts. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee ($8/month) and (c) can be cancelled at any time.
Halloween at FNB Community Bank
Sending money and paying bills can be rewarding – especially this holiday season!

During November and December, you have the opportunity to make a positive impact and win big.

For every new qualifying transaction we’ll donate $1 to charity   and you’ll   be entered for a chance to win $5,000   .

Qualifying transactions include:

Don't wait - log in to your online or mobile banking account.

NO PURCHASE NECESSARY. Open to legal residents of 50 US/DC, 18+. Ends 11:59:59 p.m. ET on 12/31/17.
To enter and for Official Rules:
Let's Get Social!