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Budgeting for 2022

Published on December 28, 2021

Budgeting for 2022

It’s that time of year again! Time to celebrate, spend time with family and plan for the New Year. If managing your finances better in 2022 is on your list of New Year’s resolutions, these helpful budgeting tips will be sure to help you reach your financial goals.

 

See where your money goes.

Make a list of everything you spend money on. Include mortgage, utilities, car payments, streaming entertainment subscriptions, eating out, groceries, the daily coffee stop – everything!

 

Prioritize your spending.

Some expenses (like utilities and mortgages) are pretty hard to avoid, but do you need four streaming video services or a daily $5 latte from your local coffee shop? We’re not saying you should cut it all out, but look at your expenses with a critical eye and prioritize what’s important to you.

 

Make a budget.

Total your income for the month and subtract those prioritized expenditures. Plan to save a certain amount every month and be sure to focus on paying off high interest debt early.

 

Stick to your budget!

Probably the most challenging aspect of budgeting is sticking to the budget you have made. With your goals in mind, ask yourself if new purchases are in line with the priorities you have set and if the new purchase will help you reach your goals or delay them.

 

Let us help.

Check out these Effective Strategies for Saving on our website and for additional reading, view this list of Money Management Resources

 

If you’re ready to take the next step and meet with an expert on financial planning, find out more about our local team of financial planners today.

 

We’ve been your community bank for 120 years and we continue to be honored to serve you. Contact us today and let us know how we can help with your financial goals.

 

Founded in 1902, Queensborough National Bank & Trust Co. is Georgia’s community bank with more than 25 locations throughout Georgia. Queensborough was named Best Small Bank in Georgia for 2021 by Newsweek. For more information, visit www.QNBTRUST.bank and find Queensborough on FacebookTwitterLinkedIn, YouTube and Instagram.

 

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Author: Sarah Beth McMillan

Categories: Financial Insight

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Welcome to Queensborough National Bank and Trust, your destination for all of your banking needs.

We offer a wide range of banking services including personal banking, business banking, mortgage services, and wealth management. At Queensborough, we offer various financial services and banking products to our retail and corporate customers through a variety of channels.

Started in 1902 as the First National Bank and Trust Company, today Queensborough has over 25 locations spread across the state from Augusta to Savannah. We take pride in offering professional banker expertise coupled with a personal banker attitude while offering first-class customer services to our esteemed customers. At Queensborough, we provide state-of-the-art technology to make the banking experience the best it can be for our customers. Time and again, Queensborough National Bank and Trust has been recognized by its patrons for our trustworthy and reliable services.

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