Preparing to Take on a Mortgage
So the time has come to buy a mortgage. Maybe it’s your first time, or maybe it’s not. Either way, a mortgage can seem daunting when you have to sign an agreement for 15 or [...]
5 Spending Habits We All Need to Break
It’s the beginning of a new year, and what better way to improve your life than by getting a better hold on your finances? However, if you have challenges with your money habits, then it's [...]
7 Best Financial Goals for the 2021 New Year
Every New Year is a new opportunity to create goals to improve yourself. These new year financial goals can range from health, fitness, relationships, and career to finances. At F&M Bank, we are most interested [...]
Parent’s Guide for Paying For College
Paying for college is expensive, and the costs are only going up. But the fact is that college graduates usually earn 38% more on average when compared to non-graduates (Business Insider, 2019). So how can [...]
How to Grow an Emergency Fund
What’s the point of having an emergency fund? The main purpose of an emergency fund is to have easy access to money when you need it the most. After all, emergencies can happen at [...]
When is it a Good Idea to Refinance Your Mortgage?
Mortgage rates fluctuate all the time. And of course, the higher your mortgage interest rate, the more money you lose when paying back your loan. After a few years, some people are in a position [...]