LEADING THE WAY. WELCOME BACK. YOU KNOW, IT IS MONEY MONDAY, AND MANY OF US SPENT MORE THAN WE WANTED TO OVER THE HOLIDAYS. NOW WE바카라 게임 웹사이트�RE LOOKING FOR SIMPLE STEPS TO GET OUR MONEY IN BETTER SHAPE FOR 2025. IT바카라 게임 웹사이트�S A GREAT TIME TO SET FINANCIAL RESOLUTIONS AND SAVINGS GOALS FOR THE COMING YEAR. AND HERE TO TAKE US THROUGH THOSE STEPS IS CHANDELIER, A FINANCIAL WELLNESS SPECIALIST WITH FIRST FINANCIAL BANK. THANKS SO MUCH FOR BEING HERE. THANKS FOR HAVING ME. ALL RIGHT. WE HAVE A LOT TO GET THROUGH BECAUSE I THINK THIS IS IMPACTING MOST OF US OUT THERE. WHAT ARE SOME OF THE THINGS THAT REALLY STICK WHEN YOU바카라 게임 웹사이트�RE ENCOURAGING PEOPLE TO SAVE OR MAKE CHANGES? MAKE IT PERSONAL, RIGHT? THINK OF YOUR WHY. WHY YOU WANT TO SAVE WHAT바카라 게임 웹사이트�S STRESSING YOU OUT RIGHT NOW THAT YOU CAN PREVENT FOR NEXT YEAR. A LOT OF TIMES RIGHT NOW, I바카라 게임 웹사이트�M HAVING A LOT OF CUSTOMERS COME IN AND THEY SPENT WAY TOO MUCH FOR CHRISTMAS. THEY PUT A LOT ON THEIR CREDIT CARDS. THEY DEPLETED THEIR SAVINGS ACCOUNT. SO I바카라 게임 웹사이트�M LIKE, THINK ABOUT HOW YOU바카라 게임 웹사이트�RE FEELING NOW. THE BILLS ARE COMING. LET바카라 게임 웹사이트�S SAVE. SO IT DOESN바카라 게임 웹사이트�T HAPPEN NEXT YEAR. AND YOU KNOW THAT바카라 게임 웹사이트�S GOING TO BE HERE BEFORE YOU KNOW IT DECEMBER. YOU KNOW IT바카라 게임 웹사이트�S HARD TO THINK ABOUT NOW, BUT IT DEFINITELY WILL FLY BY. NOW WHAT바카라 게임 웹사이트�S THE EASIEST WAY TO GET STARTED WITH THE SAVING HABIT. YEAH. THE EASIEST WAY IS MAKE A BUDGET. AND SOMETIMES WHEN I SAY A BUDGET, IT HURTS PEOPLE바카라 게임 웹사이트�S STOMACHS. THEY바카라 게임 웹사이트�RE LIKE, I DON바카라 게임 웹사이트�T KNOW WHERE TO START. THE GOOD THING IS, IS THAT FIRST FINANCIAL WE HAVE A ROLE LIKE MINE, FINANCIAL WELLNESS SPECIALIST, THAT CAN HELP YOU WITH YOUR BUDGET AND GET YOU TO WHERE YOU NEED TO BE OR WANT TO BE FINANCIALLY. OR YOU CAN USE APPS, GO ONLINE. JUST FIGURE OUT WHAT YOUR NEEDS ARE. YOUR WANTS ARE YOUR EXPENSES, YOUR INCOME, WHAT YOU SPEND MONEY ON AND START THERE. YOU KNOW, WHEN ASHLEY AND I WILL BE TALKING ABOUT CUTTING SPENDING, WE ALWAYS SAY ONE OF THE FIRST PLACES WE COULD CUT IS FOOD, BECAUSE WE DO EAT OUT SO MUCH IN THIS CRAZY BUSINESS. WHERE ARE SOME OF THE PLACES, THE EASY PLACES YOU FEEL LIKE PEOPLE CAN SAVE? YEAH, I바카라 게임 웹사이트�M GOING TO GIVE YOU A NEW ONE. NO ONE THINKS ABOUT SUBSCRIPTIONS. SO I ALWAYS TELL PEOPLE, GO THROUGH THEIR BANK ACCOUNT, LOOK AT ALL THE SUBSCRIPTIONS THAT YOU USE. I PROMISE YOU, I바카라 게임 웹사이트�M A BIG FOOTBALL FAN. DURING FOOTBALL SEASON. I NEED TO WATCH THE GAME. SO I HAVE SO MANY APPS THAT I CAN WATCH THE GAME ON. BUT AFTER THE SEASON I바카라 게임 웹사이트�M LIKE, I바카라 게임 웹사이트�M NOT USING THESE, RIGHT? I SAT DOWN WITH THE CUSTOMER NOT TOO LONG AGO, SAVED THEM $30 A MONTH FROM SUBSCRIPTIONS. THEY WEREN바카라 게임 웹사이트�T EVEN USING. THAT바카라 게임 웹사이트�S ONE THING. DON바카라 게임 웹사이트�T BE SCARED TO SHOP AROUND FOR DEALS, RIGHT? I PROMISE YOU, YOU바카라 게임 웹사이트�RE GOING TO THINK YOU바카라 게임 웹사이트�RE BEING CHEAP, BUT YOU바카라 게임 웹사이트�RE NOT. EVERYTHING YOU SAVE PUT INTO YOUR SAVINGS ACCOUNT. SO GO TO YOUR PHONE COMPANY, YOUR CABLE COMPANY, ASK FOR A DEAL, OR LOOK FOR A DIFFERENT OPTION. SO YOU바카라 게임 웹사이트�RE SAYING THE HIGHER BILL YOU WERE PAYING BEFORE, ONCE YOU LOWER IT, PUT THE EXTRA MONEY INTO YOUR SAVINGS AND SAVINGS. THAT바카라 게임 웹사이트�LL HELP YOU GET STARTED. YEAH. ALL RIGHT. WELL, WHAT ARE SOME OF THE BIGGEST BARRIERS THAT PREVENT PEOPLE FROM REACHING THEIR SAVINGS PLAN? STARTING TOO HIGH, RIGHT. BEING AGGRESSIVE WHEN THEY바카라 게임 웹사이트�RE TRYING TO SAVE. DO WHAT YOU CAN. SO I HAVE ALSO PEOPLE THAT SAY, HEY, I WANT TO SAVE $400, $500 A MONTH, BUT THAT바카라 게임 웹사이트�S ALL THEY HAVE TO WORK WITH. START SMALL, BUILD THAT HABIT, AND THEN IT WOULD BE A LOT EASIER TO SAVE. HOW DO YOU EVEN FIGURE OUT HOW MUCH YOU SHOULD BE SAVING? IS THERE A PERCENTAGE? THERE IS NOT. I WOULD SAY PERSONALLY, I바카라 게임 웹사이트�M VERY BIG ON TRYING TO PREVENT STRESS IN THE FUTURE, SO I PERSONALLY GO THROUGH ALL OF MY BILLS, ALL OF MY NEEDS AND WANTS AND PUT THAT AMOUNT AWAY FOR MY SAVINGS FOR A COUPLE MONTHS. IF SOMETHING DOES HAPPEN. BUT THERE ARE APPS OUT THERE AT FIRST FINANCIAL BANK, DOTCOM BANK AT FIRST DOTCOM, WE HAVE SOME APPS THAT WILL HELP YOU WITH YOUR BUDGETING, HOW MUCH YOU SHOULD SAVE, HOW MUCH YOU SHOULD PUT AWAY FOR THE FUTURE. ALL RIGHT, THAT B WORD BUDGET. THAT바카라 게임 웹사이트�S ALL. THROUGH THIS CONVERSATION. CHANDELIER WITH FIRST FINANCIAL. THANKS SO MUCH FOR JOINING US AG