Budgeting Tips Flagstaff AZ

Budgeting has a bad reputation with many people. They envision a budget means calculating hundreds of difficult sums and spending hours each week tracking every single cent they spend, all the while being forced to stay at home and never have any fun. The truth is nothing like this at all.

Wells Fargo - Flagstaff Mall Branch
(866) 245-3452
4650 N Hwy 89 D3
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Chase - East Flagstaff Branch
(877) 682-4273
4830 North Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Flagstaff Branch
(866) 245-3452
1200 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Chase - Flagstaff Milton Road Branch
(877) 682-4273
1484 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Downtown Branch
(800) 432-1000
125 East Birch Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Mall Branch
(800) 432-1000
4550 North Us Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - East Flagstaff Branch
(866) 245-3452
2625 North Fourth Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Woodlands Branch
(800) 432-1000
2625 South Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
BBVA Compass Bank - Flagstaff/Kachina Kbc Branch
(800) COM-PASS
1416 East Route 66
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - So. Woodlands Village Branch
(866) 245-3452
2700 So. Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Budgeting Tips

Budgeting has a bad reputation with many people. They envision a budget means calculating hundreds of difficult sums and spending hours each week tracking every single cent they spend, all the while being forced to stay at home and never have any fun. The truth is nothing like this at all. Below are five common budgeting myths, and the reality of the situation.

1) Setting a budget is hard.

Many people feel that the process of setting a budget is hard, requiring hours of complex maths or large periods of time slaving away over large piles of paper or an Excel spreadsheet. The truth is there are many ways to go about setting a budget. If you are someone who likes a lot of detail or working with numbers, there are budgeting methods that can involve lots of figures and time working them out. But there are equally other budgeting methods that are very simple and straight forward to set up. It s all a matter of finding a budgeting method that s right for you. If you re not comfortable with the budgeting method you ve chosen, you re unlikely to stick at it.

2) It takes a lot of time and paperwork to maintain a budget.

Maintaining a budget does mean you have to keep an eye on how your spending and budget match up over time (making tweaks to your budget if necessary), but very few budgeting methods require a lot of work and time to maintain them. Usually you will have a quick look at your budget when you get paid to ensure you re on track, then get back to enjoying your money.

3) You have to be in financial trouble to use a budget.

A budget can certainly help someone who is having financial difficulties find their way out of trouble, but budgets aren t limited to such situations. Anyone can use a budget. In fact, a budget is the best way to ensure you never get into financial trouble! Better yet, a budget is the perfect way to save up for an expensive item (like a holiday or the latest electronic gadget) that you know you will want in the future.

4) Having a budget means you have to suffer.

Budgets have a bad reputation because many people envision eating cheap noodles at home in a dark room lit only by a single candle, with absolutely no luxuries or fun allowed. But just because you have a budget doesn t mean you have to suffer. Coming up with a budget is all about working out how to do the fun things you enjoy doing, while at the same time ensuring you have enough money left to pay the bills as they come in. Sure, in some cases you may find you have to cut back in some areas. But the only reason you would ever suffer after putting a budget in place is if you purposely set the budget up to make yourself suffer.

5) Budgeting means not spending any money.

Ironically, budgeting is really the exact opposite of not spending money it s working out the best way to spend your money! Sure, if possible there should be an amount in your budget set aside for savings. But even savings are simply putting aside money to spend in the future. All budgeting does is help you save money on little things you don t really need now so you can spend the money on big items that you really want in the future.

Now that you know the truth behind these five budgeting myths, what are you waiting for? Get started today in setting up your own budget, and reap the rewards they bring!

Money worries don't have to control your life. Discover simple everyday tips you can use to take control of your money by visiting http://www.livetobudget.com



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