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Career-Focused Adults

Life Stage - Career Focus

Financial guidance for maturing adults without children

Maximizing your paycheck in your 30s and 40s is a priority during this time when your income tends to rise. You may have discretionary income for travel and hobbies, and the challenge is to find the right balance between spending and saving. The financial decisions you make now will have the greatest impact on the lifestyle you will enjoy during retirement. It’s important to note that people are retiring earlier and living longer, and you may need more money in the future than you think.

First NBC can help you stay on track with your long term financial goals.

1. Understand which loan product is right for you

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Work with First NBC Bank for all of your lending needs.  Finding the right mortgage or consumer loan may save you thousands of dollars.  We can help you compare the various products available to you and explain all the factors involved in obtaining a loan including interest rates, fees, down payment requirements, etc.

With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at First NBC Bank that meets your needs.  For more information select one of the links below, or contact one of our lending officers. 

Mortgage loans – Our experienced lenders are ready to answer your questions and guide you on the path to home ownership.

Consumer loans – Whether you’re purchasing a vehicle, need to consolidate debt, or want to access the equity in your home First NBC Bank’s experienced Relationship Bankers can help you select the loan that fits your individual needs.

2. Understand your credit report

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Your financial behavior, including how much credit you have, how long you've had it and whether you pay your bills on time is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian — maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification. Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan. Your credit score can also influence the interest rate you pay. In many cases the higher your score, the lower your interest rate. Your credit score is available from the three credit reporting agencies:

Equifax – www.equifax.com 

TransUnion – www.transunion.com 

Experian – www.experian.com 

AnnualCreditReport.com allows you to request one free credit report annually in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).  AnnualCreditReport.com is a secure way to obtain your credit report which is generated by the three nationwide consumer credit reporting agencies.  Request your free annual credit report today at https://www.annualcreditreport.com

3. Conserve time, money and paper with First NBC’s convenient checking accounts with online banking and bill pay and no-annual-fee debit card

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Prime Checking – An account designed to make banking easy and convenient.

Premier Checking Now – A full service account that offers the added benefit of earning interest and has the advantage of relationship pricing.

Convenience Services – Our Convenience Services will reduce the time it takes to balance your checkbook, pay your bills, and make purchases, and you’ll save on the expense of printed paper checks and postage while helping the environment as well.

4. Save for Retirement

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Many people underestimate the amount of money they’ll need in retirement.  Be realistic about major expenditures, e.g., will your mortgage be paid off by retirement?  If so, you may need less income than you do now.  Do you plan to buy a vacation home or travel extensively?  Will you have to pay for your own health insurance?  These and other financial considerations all come into play.  Now is a good time to up your contributions to your retirement savings accounts.  Talk with one of First NBC Bank’s Relationship Bankers to learn about the products we offer that can help you meet your retirement goals.

Individual Retirement Account (IRA) – Saving for retirement is easy with a First NBC Bank IRA.  IRA contributions may qualify as a federal income tax deduction if tax code requirements are met.

 

5. Rent a safe deposit box

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A convenient place to safeguard important assets that would be difficult or impossible to replace.  Safe deposit boxes offer privacy, and in most cases greater security than keeping your valuables and important documents elsewhere.

First NBC Bank Safe Deposit Boxes – Boxes are offered in a variety of sizes with special relationship pricing for Premier checking account holders.  Contact a Relationship Banker for details.

Tips for Effective Financial Management:

  • Understand what your credit report score means and take a pro-active role in monitoring it.
  • Resist the urge to cut back on savings to meet rising expenses or accommodate other goals.
  • Make sure your mortgage payment, including taxes and insurance, represents no more than 30% of your gross monthly income.
  • Spend less than you earn—it’s the simplest way to stay free from all-consuming debt.

Some Financial Calculators for Career-Focused Adults...

Our calculators can help you determine what you need to achieve your goals and stay on budget.

For help determining the best accounts and products for sound and productive money management during your Career-Focused Lifestage, contact a First NBC Bank Relationship Banker.