Personal Insights

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Planning for Long-Term Healthcare Costs

As you create your retirement savings plans, don't forget to include long-term healthcare costs.

A study from the HHS found that 70% of those over 65 will need some form of long-term care.

What to Do With an Inheritance

Keep these options in mind when making decisions about your inheritance.

When you're wondering what to do with inheritance money, keep in mind that you don't need to put it all in one place.

No Credit Vs. Bad Credit

The difference between no credit and bad credit is the difference between building and rebuilding.

Once you have that first account established, making on-time regular payments and keeping your debt burden low compared to your income will help you earn a good credit score.

Credit Card Perks You May Have Overlooked

Do you know whether you have these four credit card perks?

Depending on where you're buying, a contactless card may even mean you can now avoid checkout lines and checkout terminals entirely.

Are Contactless Payments Really Secure?

Now that most new credit cards let you tap to pay, it's a good time to learn how contactless works.

Contactless payments eliminate the need to sign a paper receipt or enter a PIN.

Buying a Home? Your First Citizens Mortgage Banker is Here to Help

Our mortgage bankers are here to help take care of the details, big and small. Watch this video to learn how.

Understanding Debt Consolidation

Discover the pros and cons of debt consolidation to see if it's an option.

Debt consolidation is a process that allows you to turn a variety of consumer debts into one.

7 Ways to Protect Your Financial Data

Take these simple steps to avoid the financial frustrations that fraudsters can cause.

Banks will never contact you to ask for information such as your account number, Social Security number or PIN.

6 Ways to Make the Most of Your Credit Card

See how your credit card can help you budget, build credit, manage cash flow, earn rewards and more.

Credit card rewards can be a great way to earn a little extra cash for spending money on items you'd buy regardless, if you can pay the balance off in full each month and avoid interest charges.

Get the Most Out of Extra Cash

Put your extra money to work in ways that help advance your most important goals.

Experts recommend that you have three to six months' worth of living expenses stashed away for a rainy day.

Preparing for Unexpected Expenses

It can be hard to plan for the future when you don't know what to expect. Here are some tools that can help you lay the right foundation.

Creating a safety net to buffer you from unexpected expenses doesn't need to be difficult, but it does involve planning to cover all your bases.

Reconsider These Retirement Myths

There are so many myths about the best ways to save for retirement. Here's the truth behind how to start saving now.

Thanks to the power of compound interest, your money can grow over time.

Ready to Start a Family? Here's How to Prepare Financially

Expecting a baby may require a slightly different strategy, but you can tackle it month by month.

Establish a separate savings account that's earmarked for baby-related expenses.

The Real Cost of Borrowing Money From Family

Before borrowing money from someone you know, consider the potential consequences.

Although borrowing money from family or a friend may appear to be the easiest and fastest solution when you're in need of a loan, there are several potential downsides to consider.

Stay on Track With Family Budgeting Tools

The right family budgeting tool can help track your expenses, identify budget leaks and save money.

Budgeting isn't a single event—it's a process that you must continue working on together.

Budgeting Tips for Single-Income Families

Financial discipline and smart saving will help ease your transition to a single-income family.

If you've decided to become a single-income family, you'll need to make changes to your lifestyle, spending and savings goals.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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