Financial Wellness & Learning | NC Manage Money | Peoples Bank

Financial Wellness Learning Center

Welcome to the Peoples Bank Financial Wellness Center

Here you can learn about managing money and building a financial future for you, your family and even your business.;
  • Getting Started
  • Personal
Preventing Overdraft Fees
Learn why overdraft fees occur and how to avoid them.
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  • Getting Started
  • Personal
Preparing for Retirement
Learn how you should prepare for an eventual retirement.
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  • Getting Started
  • Personal
Investing in your future
Learn how to be more financially prepared in the years ahead.
Start Planning
  • Business
Small Business Essentials
Understand the financial basics of running a small business.
Start Learning
  • Getting Started
  • Personal
Financial Caregiving
Learn more about the responsibilities of caring for another person's finances.
Learn more
  • Personal
How does inflation impact my finances?
It’s not all negative, and it’s not as permanent as you might think.
Read this article to learn more
  • Personal
Mindful Living
Feeling stressed out? You’re not alone. In our daily lives, we experience many ups and downs. The roller coaster of emotions we experience has a real effect on our bodies and on our minds.
Don’t let stress get the best of you
  • Personal
Building a Good Credit Record
A solid credit history can be one of your most useful and powerful financial assets.
Learn how
  • Personal
Financial Tip: Pay More Than the Minimum on Your Credit Card
Cut months or even years off your credit card payments by increasing the amount you pay each month.
Learn how
  • Personal
Debt Management
One survey shows that approximately 80% of Americans are currently in debt. Understanding how debt works, knowing where to go for help, and making a plan are the keys to help you better manage your debt.
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  • Personal
Building Emergency Savings
No one wants to think about car breakdowns or job loss. But as much as we’d like to avoid thinking about them, emergencies do happen.
Read more
  • Personal
Credit Scores and Reports
Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.
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  • Personal
Healthy Financial Habits
If you ever feel overwhelmed by your financial situation, you’re not alone. In fact, nearly half of all Americans live paycheck to paycheck—struggling to pay their bills or save for the future.
  • Personal
Paying for College
College costs are rising, but with strategic planning and saving, paying for education can be within your reach. Regardless of your financial situation, there are smart ways to plan and pay for college. Let’s explore the many options that may be available to you and your family.
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  • Personal
Building a Savings Cushion
Having a financial cushion is one of the most important things you can do to feel financially secure. We have some ideas that may help.
Read on
  • Safety & Security
Protecting Yourself from SMiShing and Vishing
They're not typos. Identity theft techniques now include the use of text (SMS) messages and voice mail. Threats from these new approaches are called “Smishing” for SMS fraud attempts and “Vishing” for voice mail fraud attempts.
Learn more
  • Personal
Budgeting for Families
Budgeting and planning family finances are key to controlling spending and planning for a healthy financial future.
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  • Personal
Creating a Budget
Have you ever run out of money before the end of the month? Determine your monthly income and expenses to create a budget so you know where your money is going instead of wondering where it went.
Read more
  • Owning a Home
Should You Rent or Buy a Home?
Many factors come into play when deciding whether to rent or buy a home. We can help you navigate the process.
Infographic
  • Personal
Family Conversations about Money
Although money concerns may put a strain on relationships and conversations about money can be stressful, having family conversations proactively may help.
Read more
  • Personal
Managing Finances Through the Loss of a Loved One
Learn about the steps needed to settle the estate of a loved one who has passed away.
Get started
  • Personal
Save $1,000 (or more) this year
There are several ways to build a savings account. Starting small may be the way to go.
Try this easy system
  • Personal
How to Pay Off Your Debt Fast
The best way to get out of loan and credit card debt fast is to cut spending, start saving, and consolidate your loans.
Learn how
  • Getting Started
  • Personal
Taxes: The Basics
By understanding why taxes are important, how to stay on top of your taxes, and the steps for filing, you can avoid the stress of tax season.
Read more
  • Personal
Set Your Calendar Every Year for Good Financial Health
Experts recommend that you review your credit report at least once a year. This works out perfectly since the credit bureaus are legally required to provide you with a free report once a year.
Learn how to check your credit report for free
  • Business
Banking Tips for Small Business
If all it took was an idea, everybody would be a business owner. Here are some tips on how to make a good idea a good source of revenue.
Read more
  • Business
Business Financing Tips for Women Entrepreneurs
To help women in business finance their companies, here are some helpful resources and funding options available to female entrepreneurs in North Carolina.
Learn more
  • Business
Financial Wellbeing for Entrepreneurs
Explore what you can do to achieve financial wellbeing while starting a new business or going into business for yourself.
Read more
  • Owning a Home
Considering Homeownership
More than 70% of Americans consider homeownership to be an important part of the American Dream but buying a home can be one of the most expensive, albeit rewarding, decisions you’ll ever make.
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  • Owning a Home
Buying a Home
Congratulations! You’ve decided to purchase a home. Now it's time to prepare yourself to make the right decisions by learning about the process, the people who can assist you, and the associated costs.
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  • Owning a Home
Ways to Save When Remodeling
Does your house need a “facelift”? If, so you don’t have to move – just spice things up by remodeling.
Read more
  • Safety & Security
Identity Protection
Your identity is a valuable piece of information and identity theft and identity fraud are fast-growing crimes. They can involve someone impersonating you, using your personal information to open bank accounts, withdrawing money from your accounts, or even taking out loans in your name.
Read more
  • Safety & Security
Don't be a money mule
A money mule is a person who transfers illegally obtained money between different payment accounts—often in different countries—on behalf of others.
Learn the signs
  • Safety & Security
Online Dating Scams
Dating scams start with fake profiles on dating apps or social media. Scammers strike up a relationship with their targets and work to build trust. Sometime later, they make up a story and ask for money.
Read more
  • Safety & Security
How to Avoid Peer-to-Peer (P2P) App Scams
How safe are peer-to-peer (P2P) payment applications and how can you avoid being scammed? We explain the ins and outs here.
Read on
  • Personal
  • Safety & Security
Introduction to Social Media Scams
Learn about social media scams and how not to fall for scammers.
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  • Business
  • Safety & Security
10 Ways Small Businesses Can Fight Fraud
Fraud incidents tend to disproportionately affect small businesses since the relative size of a financial loss makes up a much bigger chunk of revenue compared with larger organizations. Learn how to fight back.
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  • Safety & Security
Can You Spot a Phishing Scam?
Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. It’s time to put scammers in their place.
Learn how
  • Business
  • Safety & Security
Protect Your Business IT Assets
This article addresses two problem areas that are of particular concern to business owners and operators: old computers and software updates.
Learn how
  • Business
Avoiding Common Small Business Start-Up Problems
Starting a new business? Set yourself for success by avoiding some of these common pitfalls.
Learn more
  • Safety & Security
Is your internet browser up to date?
Internet browser updates are often made to fix security issues and running an older version may invite hackers into your system.
Learn more
  • Safety & Security
Preventing Elder Financial Abuse
Learn strategies that may prepare you to prevent elder financial fraud from happening to you or a loved one.
Read more
  • Owning a Home
Myths about renting vs. buying a home
Knowing your options is key and should not be clouded by myths or bad advice. Decide if these common thoughts about homeownership are myths or not.
Take our quiz
  • Owning a Home
How to Prepare for Buying a Home
Many people try to buy a home backwards, a frustrating and unsatisfactory problem for all parties. Learn how to choose the right things to do first.
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  • Getting Started
More About Safety and Security
Learn more about how to keep your identity and your finances safe and secure.
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  • Getting Started
More About Personal Finance
Take a deeper dive into important financial information for all stages of your life.
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  • Getting Started
More About Business Finances
Take a deeper dive into important financial topics about building and growing your business.
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  • Getting Started
More About Home Ownership
Learn more about the ins and outs of buying and owning property.
Explore

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