The New Year is a perfect time to hit reset on your finances and set yourself up for a successful year ahead. To help you get started, we’ve created a simple checklist for reviewing your financial health, tackling goals, and building a stronger future.

Step 1: Review Your Budget

Take a closer look at your income and expenses to ensure your budget aligns with your financial goals. Identify areas to cut back and redirect funds toward savings or paying off debt.

Pro Tip:

• Use our Digital Banking tools to track spending and monitor your progress throughout the year.
• Need help getting started? Open a Simply Free Checking Account to simplify your finances.

Step 2: Build or Reassess Your Emergency Fund

Life is full of surprises, and having a financial cushion is essential. Aim to save 3–6 months’ worth of expenses to cover unexpected events.

First Bankers Trust Tip:

• Consider a Money Market Account or Certificates of Deposit (CDs) to grow your savings with competitive rates.

Step 3: Plan for Major Life Events

Are you planning to buy a home, start a family, or fund your child’s education? Make 2025 the year you take the next step.

First Bankers Trust Services:

• Explore our Mortgage Lending options to find the perfect home loan.
• Save for future education costs with our flexible savings accounts.

Step 4: Review Debt and Credit

Evaluate your current debts, including credit cards, auto loans, and student loans. Look for ways to consolidate or refinance to lower interest rates. Check your credit report to ensure accuracy and improve your credit score.

Pro Tips:

• Manage debt with low-interest loans.
• Check your credit report annually and consider setting fraud alerts.

Step 5: Maximize Retirement Savings

Whether you’re just starting or nearing retirement, it’s never too late to focus on retirement planning. Take advantage of employer contributions, increase savings where possible, and look into catch-up contributions if you’re 50 or older.

First Bankers Trust Tip:

• Review your investments with our advisory services to ensure your portfolio aligns with your goals.

Step 6: Protect Your Financial Future

Stay vigilant against fraud and ensure your finances are secure. Protect your accounts by using strong passwords, multi-factor authentication, and regularly monitoring your statements.

Tools to Protect You:

• Enable Digital Banking Alerts to stay informed about account activity.
• Learn more about staying safe with our Fraud Prevention Tips.

Step 7: Set Clear Financial Goals

Whether it’s saving for a vacation, paying down debt, or starting a side business, write down your financial goals for 2025 and create actionable steps to achieve them.

First Bankers Trust Can Help:

• Open a Simply Free Checking Account to streamline your finances.
• Need extra income? Learn about starting a side hustle in our Side Business Blog.

Your 2025 Financial Partner

At First Bankers Trust, we’re here to support you every step of the way. Whether you’re opening a new account, exploring mortgage options, or planning for retirement, our team is ready to help.

Take the Next Step:

Start your financial journey for 2025 and enter to win! Open a checking account or refer a friend who does from 01/13/2025 through 4/20/2025 to be entered into our iPad giveaway. Don’t miss your chance to start the year off right—with better banking and maybe even a brand-new iPad!

Fill out the form below to get started today or visit www.FirstBankers.com/personal for full list of details!