Independent Bank (i-bank)

Receiving a year-end bonus is exciting, but using it thoughtfully can set you up for long-term success. When deciding what to do with your bonus, keep these tips in mind:? ?? Pay down high-interest debt. This will help you save on interest and free up cash flow each month.? ?? Build your emergency fund. Save 3-6 months’ worth of expenses, so you’re ready to handle unexpected costs.? ?? Invest in your future. Consider contributing to retirement accounts or exploring other investment options to build your wealth. ?? Save for a goal, whether it’s a vacation, home renovation, or additional education.? ?? Treat yourself (within reason!) Enjoy a small reward for your hard work, but keep it within your budget.? Use your bonus wisely and turn a short-term reward into a long-term win!

Recent economic shifts have left many homebuyers asking:?Is this really the right time to buy a home? In light of new inflation data, the answer isn’t black and white. But there’s good news—an increase in housing inventory and slower home price growth are tipping the scales in favor of buyers, even amid uncertainty about where mortgage rates may be headed. Here’s what all of this could mean for you if you’re looking to buy or refinance soon. https://trst.in/aSQNz4 #Homebuyer #Homebuyers #Homeowner #Homeowners #MortgageTips

What an inspiring time with Medal of Honor recipient Dakota Meyer! Our i-bank team had the privilege of hearing his powerful message about courage, resilience, and leadership at this morning’s cityCURRENT breakfast. Thank you, Dakota, for sharing your story and reminding us of the importance of perseverance and service. #Leadership #Inspiration #Community

??? Stay Cyber-Safe This Holiday Season! Keep your personal info secure while shopping online with our top tips for avoiding scams and identity theft. Protect yourself and enjoy stress-free gift-giving! ?? https://trst.in/ce0eSp #HolidayShopping #CyberSecurity #iScope

If you receive a high volume of check payments, here are six ways that an automated solution could take you to the next level: https://trst.in/SE9Cpm #WorldQualityDay

Store credit cards offer tempting perks, but they can be costly if not used wisely. Check out our latest i-Scope tips to avoid 5 common mistakes and make the most of your rewards—without the high-interest stress! ?? #SmartSpending #iScope #HolidayShopping https://trst.in/uzoi3y

The holidays can be one of the most joyful—and costly—times of year. But with some smart budgeting, you can avoid the financial stress and focus on what really matters: spending time with loved ones! ?? Check out our latest i-Scope article on setting a holiday budget, managing your gift list, and planning early to make the most of your season without overspending. ????? https://trst.in/uoRIy9 Need help getting started? Our team at i-bank is here with budgeting tips tailored just for you. Let’s make this season one to remember—for all the right reasons! ??? #SmartHolidaySpending #BudgetingTips #HappyHolidays #ibank

Find out how your business can build awareness, ramp up sales, increase customer loyalty, and more on Small Business Saturday: https://trst.in/m4UK0h #SmallBusiness #SmallBusinessSaturday

There are lots and lots of employment opportunities posted on internet job boards. Unfortunately, not all of them are legit. Learn how to spot a fake job offer scam and how to protect yourself: https://trst.in/4Ce9hj

If you're self-employed, a freelancer, or have non-traditional income, getting a home loan might seem challenging. Traditional mortgage requirements, like W2s or tax returns, don't always align with how you earn your living. But don't worry—there's an option that could be just right for you: Non-QM loans. Non-QM (non-qualified mortgage) loans are designed for homebuyers who don’t meet the standard requirements for traditional mortgages, offering more flexibility in terms of eligibility. Let’s break down how these loans work and help you decide if they’re the right fit for your financing needs. https://trst.in/sZMiki #SelfEmployed #Freelancer #MortgageTips #Homebuyer #homebuyers