Personal Insights

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Here's When You Should Write a Personal Check

Sometimes, writing out a check is the best way to go.

Depending on the circumstances, personal checks can offer advantages over digital methods.

Debt Consolidation: What to Consider as Rates Rise

With interest rates projected to rise even further, is now the right time to consolidate debt?

Debt consolidation with lower interest can help you pay down your debt more quickly.

Getting Ahead Financially Means Smart Personal Financial Planning

Learning the basics of personal financial planning will help you reach your goals faster.

Your first attempt to create a financial plan doesn't need to be detailed or complicated.

Learn How to Make a Budget That Helps You Achieve Your Financial Goals

A budget gives you a realistic picture of your finances and helps you set future goals.

Once you've established a budget, the next challenge is sticking to it.

Make an End-of-Life Checklist for Peace of Mind

Use these tips to build an end-of-life checklist for when a loved one dies to help avoid surprises.

Without a death certificate, you'll be unable to proceed with the most important steps you need to take when your loved one dies.

Paying Off Student Loans: Here's How

There is no one best way to pay off student loans. Here's how to find the right method for you.

If you have certain federal student loans, you may qualify for an income-based repayment plan or a pay-as-you-earn plan.

Ways to Manage Student Loan Debt

There are steps you can take to get control of your student loan debt so it doesn't interfere with your other goals.

Before refinancing any student loan debt, weigh the pros and cons.

When It's OK Not to Save for College

Some alternatives may be better for you than contributing to your child's 529 plan.

As much as you may want to provide for your children, the reality is that few parents can cover the entire cost of college expenses.

How to Care for Yourself as You Care for an Aging Parent

Your financial and emotional health are important as you try to help an ailing parent.

It's important to find ways to safeguard your financial and emotional health, and the health of your family, if you're providing care to an aging parent or another loved one.

How to Find Grant Money for College

Similar to scholarships, grants are another form of gift aid to help defray the cost of college.

The federal government is the largest provider of grants, but other sources of grant money include individual states, colleges, nonprofits and private organizations.

How to Do a Financial Checkup

Assess your financial wellness with this step-by-step guide.

Everyone has to make adjustments to their financial plan from time to time.

What Is the Best Way to Pay for College?

If your child's heart is set on college, you can find ways to make their education more affordable.

Before making a plan for college savings, it's important to get a sense of your child's goals.

How Mergers Can Drive a Better Banking Experience

Worried that your regular banking routine could be impacted by a merger or acquisition? Here's what to know.

With a merger or acquisition, a bank can expand its digital capabilities without having to build them from the ground up.

Ensure a Smooth Home Renovation with Smart Budgeting

Establishing a budget—and sticking to it—is essential for any home renovation project.

One good way to estimate your home renovation budget is to base it on the total value of your home.

5 Things to Cover in a Midyear Financial Checkup

A checkup can help you stay on top of your financial situation and prepare you for any changes you need to make before the year ends.

Saving for important goals, such as retirement, is critical to your financial success.

New Investment Trends: Cryptocurrency, REITs and More

Learn more about alternative investment trends and styles before you consider investing in them.

Make sure you know what you're buying, when you're buying it and why you're buying it. What's your time horizon for this asset, and what's your willingness to deal with volatility?

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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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