Brenda Langenberg

Nov 14 2018

Healthy Money Habits: 8 Tips for Financial Health


As I wrap-up my 4-part series on Healthy Money Habits, I want to revisit the eight financial health habits I highlighted throughout the entire series.

  1. Pay yourself first.
    The key to saving successfully is to save first, before paying bills and other expenses.
  2. Maintain an emergency fund.
    Help buffer the effects of financial setbacks and avoid debt by maintaining a fund that will only be used for emergency situations.
  3. Check your finances weekly.
    Set aside time to track any progress or setbacks toward your finances and goals.
  4. Read a financial article once a week.
    Stay current on what is going on in the financial world by educating yourself about trends and happenings.
  5. Avoid carrying a credit card balance.
    Pay off your credit card after every billing cycle to ensure this resource doesn’t become a distress.
  6. Learn to say ‘no’.
    Differentiate between a need and a want, then learn to keep on your financial track by turning down unnecessary purchases.
  7. Get and stay insured.
    As with maintaining an emergency fund, this habit helps to lessen the effects of life’s setbacks.
  8. Begin saving for retirement* early.
    This is important at any age, but getting started sooner rather than later will be worth it at retirement age.

I hope you enjoyed my 4-part series on Healthy Money Habits. What was your favorite habit or tip takeaway? Thanks for reading Hills Helps!

*Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.

View the complete 4-Part Healthy Money Habits Series:
• Part 1 – Pay Yourself First
• Part 2 – Avoiding Debt
• Part 3 – Insurance and Retirement
• Part 4 – Financial Maintenance
• Healthy Money Habits Series Wrap-Up

Brenda Langenberg

About Brenda Langenberg

Brenda Langenberg is Vice President and Branch Manager at Hills Bank’s Mount Vernon and Lisbon locations. She has been at Hills Bank since 1992 helping customers with their banking needs. Brenda can be reached at

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