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7 Steps to Spring Clean Your Finances

Now is the time for spring cleaning. While you may focus on organizing closets or scrubbing floors, consider cleaning your finances as well. Busey provides 7 steps to spruce up your finances and leave your bank account squeaky clean.

1) Evaluate and pay down debt. Take a look at how much you owe and how much interest you pay. Consider requesting a lower credit card interest rate or refinancing your mortgage. It will help to chip away at loans with the highest interest rate or eliminate smaller debt all together.

2) Review your budget. A lot can change in a year. If you’ve been promoted, had a child or become a single-income household, be sure to update your budget. Determine what expenses demand the most money and identify areas where you can realistically cut back. It will help to develop a strategy for spending and saving and stick to it.

3) Check your credit report. Mistakes can drag down your score and prevent you from getting a loan or cause you to pay a high interest rate. Check your credit report from each of the three bureaus once a year. If you see fraudulent activity, file a dispute with the credit bureau. Ask a Busey associate today for a credit report consultation to improve your financial standing.

4) Sign up for eStatements and paperless billing. Converting to paperless billing will help keep your house, physically and financially, clean and organized. You will receive your bank statement directly to your inbox instead of in the mail—lowering your chance of identity theft. With eStatements from Busey, you can access months of history right from your computer—enroll now by logging in to Busey ebank and clicking on the eStatements link.

5) Set up automatic bill pay. By signing up for automatic bill pay, you’ll never have to worry about a missing payment impacting your credit score. Money is withdrawn from your account on the same day each month—rest easy knowing your bills are paid in full and on time.

6) Consolidate your accounts. Managing several accounts can be challenging. Consider closing accounts you rarely use and streamlining all of your accounts under a single bank.

7) Download your bank’s mobile app. Most banks now offer mobile apps that allow you to manage your finances anytime, anywhere. With the Busey Mobile App for iPhone®, iPad® and Android™, you can deposit checks, view balances, transfer funds and pay your bills directly from your device.

Busey is dedicated to providing support and resources to help you achieve your financial goals—whether keeping better track of your expenses or saving for your child’s education. Visit any Busey location or call 1.800.67Busey today to get started.

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With five lines of business—personal, mortgage, commercial, cash management and wealth management—working together as One Busey, we can meet all your financial needs with confidence. Customers who partner with us are rewarded with the Busey Advantage—regional capabilities and local priorities. It's a commitment that has stood the test of time.

On the personal side, Busey Bank promises to make your banking hassle free with smart personal checking and savings accounts, convenient online banking and mobile banking solutions and consumer loans. Whether you are ready to buy your first home or simply want to refinance the one you currently own, our practical home mortgages, participation in a wide range of special loan programs and in-house mortgage expertise mean your home loan is tailored to your individual needs.

From opening your first business checking account or loan to creating a strong succession plan, Busey can help you manage your growing business. Our business banking, lending and cash management solutions give you the tools you need to keep your business successful and nimble. Our participation in a wide variety of specialized programs and in-house credit expertise allow us to tailor commercial lending packages to your unique situation and make faster credit decisions. Busey knows that cash flow is the lifeblood of a business—whether you need help with receivables, payables, liquidity, fraud protection or information reporting, we can customize your cash management solution to your growing business' needs.

You've earned it. We'll grow it. Busey Wealth Management provides asset management, investment and fiduciary services to individuals, businesses and foundations. We build a team of local professionals around your needs to establish the best strategy for your situation. We work closely with you to develop a personal, comprehensive plan that will help you meet your goals and objectives through each phase of the wealth management process.

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