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Office Hours
Monday-Thursday 8:30 - 4:30
Friday 8:30 - 5:00
Saturday (Drive-Thru Only) 9:00 - 12:00
Mon.-Fri. Drive Thru Opens at 8:00







May 21

Set up a time where you review your finances regularly. This can be every day or weekly. Put it on your calendar as a reoccurring event. This way, you’ll know that’s the time where you review your budget, income, spending, etc. It’s the time where you make sure you’re being intentional with your money and in control of your financial foundation.



May 7

Mistakes you may be making: Ignoring your Employee Benefits Like ignoring other financial essentials, not paying attention to the details of your employee benefit package can come back to haunt you, usually at the worst possible time. Really read employee benefit handbooks and know what you’re entitled to. Yes, we know that can be tough, but once again…it pays off when you need it the most. When you file a claim, have all your forms and documents in order, so you don’t need to chase information under a tight deadline or risk getting denied on something that’s rightfully yours.

April 30

It's Vacation Time! Research and Price Out Your Destinations – Now that you have a list of destinations you will want to start your research. This part takes time but is so worth it if you want to save money. Take each destination and research hotel prices, flights, gas to drive there, food and excursions.  Also, look into at least two different dates. It's best to pick a summer month and a late fall month. Keep track of all of your research in a notebook, excel spreadsheet or Evernote. Keep your research organized as it will come in handy when you go to make your vacation decision.

April 23

Turn it off! Keeping lights and ceiling fans turned off when not in use is one of the best habits you can develop. According to Florida Power & Light, just one ceiling fan running constantly will add an extra $7 a month to your electric bill! Develop a “turn it off” rule for all overhead lights, lamps, and appliances. Be sure too to fully turn off electronics that go into “standby” mode such as computers and printers, as they are still drawing electricity in standby mode. Unplugging appliances when not in use can help a lot too.

April 16

Save on utilities and Air Dry! While it might take just a little longer, air-drying your clothes, dishes, and even your hair as often as possible can cut a big chunk out of your power bill each month. Start by changing your dishwasher settings to air dry rather than heat dry, then, whenever possible, line or flat dry your clothes. When you do need to use the dryer, use the auto sensor function to avoid drying longer than possible. (And don’t just keep tumbling the clothes because you don’t have time to fold them!)

April 9

Renew & Save – When renewing your insurance plans, check to see if they offer discounts if you pay the entire yearly amount up front. Many companies offer steep discounts if you pay upfront. If you choose this method, you can save a little extra by making monthly “payments” into your savings account that are equivalent to the amount you would have been paying in insurance every month. Since you already have your budget set up to cover insurance costs, this can be an easy way to save a few hundred dollars each year!

April 2

Resist & Deposit – Each time you are shopping and decide not to purchase a special new top, or those cute shoes from the clearance rack, keep the resisted item’s price in mind, and transfer that amount to savings as soon as you get home. If you would have been able to find a way to make your budget work when making the extra purchase, you can just as easily make the budget happen by transferring the same amount to into your savings account. This is also a great thing to keep in mind while shopping, “would I rather have these shoes, or an extra twenty dollars in my savings account?”

March 26

Load coupons onto your store card. Many stores like Whole Foods let you load their coupons right onto your card; nothing to clip! Plus, you can usually stack a store coupon with a manufacturers coupons which means a great deal for you. Pre-loading the store coupons means you have one less thing to keep track of when you’re shopping. Check out your favorite grocery store’s website to see if they allow this.  

March 19

Have a Positive Financial Mindset: Love the Law of Attraction. The best way to do this is to see the positive in your financial situation. Again, this may be difficult if you are on hard times, but it’s necessary for your success. Instead of focusing on how large your mortgage or rent is, be thankful that you not only have a great place to live, but that you can pay that bill. If you have a hard time letting go of school tuition for your kids, imagine them prospering at the end of their scholastic career.

March 12

Retirement – are you saving enough for yourself? If you follow Dave Ramsey's recommendation (which I do) you should have a fully funded emergency fund prior to saving for Retirement. Assuming that you have 3-6 months in your emergency fund you should strive to save 15% of your income into a Roth or pre-tax retirement plan. Don’t wait on saving for retirement because the sooner you start, the more time will work in your favor (time value of money). A couple of questions to consider are: Am I saving enough? Are my investments diversified? Am I taking advantage of free money from my employer?  

March 5

Young Adults: Begin Saving Now! "Don't wait for the perfect time to put money away — there never is one. Even $20 a week adds up."

February 19

Say NO sometimes: Everyone wants their kids to be happy, but realize that saying NO can be a really good thing.  Not only are you teaching them a valuable lesson, but that money can be used for something bigger…like a family vacation!

February 12

Who manages my credit reports? Although there are several U.S. credit bureaus, the big three are TransUnion, Equifax and Experian. While the bureaus are responsible for collecting and maintaining credit scores for nearly every American, they are not government agencies. Rather, they are for-profit companies that make money by selling your personal information to political lenders, employers and other interested parties. Each of the bureaus maintains its own set of credit information. This means you have a grand total of three credit reports and three corresponding credit scores.

February 5

Set up a budget: This is easiest if you first track all your expenses of an entire month. Once you know exactly what you spend your money on, it’s easier to set up a budget. The hardest part sometimes is remembering to enter expenses into the budget as they happen. Keeping track is essential!

January 29

Forgetting Inflation! Inflation means that your money is gradually worth less over time. In other words, prices rise. Over the last 20 years, average annual inflation has been approximately 2.55%. The safest investments like a savings account or government bonds will often deliver returns at a rate lower than inflation. Sometimes modest risk is necessary to make sure your savings aren’t depleted by inflation.

January 22

Buy store brands. Sometimes they are even better than name brands at grocery stores. Safeway’s store brand Refreshe has some divine seltzer water. For cheap!

January 15

Make Money by Hunting/Fishing! Even if your family doesn’t hunt or fish much, usually friends do and it’s a wise skill to have in case you need to provide for yourself one day. Also, store-bought meat is expensive and being able to kill your own is a huge money saver! What would our ancestors have done without deer, wild turkey or fish to keep them going?

January 1

Retain Receipts! In an effort to de-clutter our cars, purses and file cabinets, receipts are often tossed immediately after a purchase. However, it's a good idea to hang onto receipts for up to 30 days should the item you bought receive a price reduction. Keeping tabs on an item you've already purchased can score you unexpected savings.

December 25

Befriend Sales Associates Though your knee-jerk reaction to eager salespeople may be "I'm just looking," consider taking them up on their offer to serve you. Better yet, seek them out every time you shop the store. Building a rapport with a sales associate leads to the inside-track on upcoming sales and yields better customer service.

December 18

ATM Tip: If you use the ATM at night, consider taking a friend along.

December 11 Tip of the Week

When negotiating a salary, get the company to name figures first. If you give away your current pay from the get-go, you have no way to know if you’re low-balling or highballing. Getting a potential employer to name the figure first means you can then push them higher

December 4 Tip of the Week

Make salary discussions at your current job about your company’s needs. Your employer doesn’t care whether you want more money for a bigger house—they care about keeping a good employee. So when negotiating pay or asking for a raise, emphasize the incredible value you bring to the company.

November 20 Tip of the Week

 Get rid of your landline – If you are rarely home and the only calls you receive on your landline are from telemarketers. Decide to use your cell phone only and cut the landline. If you’re not ready to get rid of your landline altogether, get a portable jack and you’ll pay just $29.95 for a full year of service!


November 13 Tip of the Week

Pay your credit card balance in full. Some companies charge up to 22.3% for purchases now and it reflects on your bank/credit union account if you cannot pay the bill off. Use your credit cards sparingly and search for the cheapest credit card deals available. Consider searching for better credit card deals with lower APR rates, and no annual fees.

November 6 Tip of the Week

Make bite-size money goals. One study showed that the farther away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results—like saving some money each week in order to take a trip in six months.

October 23 Tip of the Week

Budget about 30% of your income for lifestyle spending. This includes movies, restaurants and happy hours—basically, anything that doesn’t cover basic necessities. By abiding by the 30% rule, you can save and splurge at the same time.


October 16 Tip of the Week

Track your net worth. Your net worth—the difference between what you own and what you owe—is the big-picture number that can tell you where you stand financially. Keep an eye on it, and it can help keep you apprised of the progress you’re making toward your financial goals—or warn you if you’re backsliding.


October 9 Tip of the Week

Weatherproof your home. Caulk holes and cracks that let warm air escape in the winder and cold air in the summer. Your local hardware store has materials, and quite possibly useful advice, about inexpensively stopping unwanted heat or cooling costs.


 October 2 Tip of the Week

Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even five years, usually will save  you lost of money in the long-term.


September 25 Tip of the Week

Attend high school rather than college or pro sports events. High school sportsevents rarely cost more than $5 and are often free, with hot dogs and sodas typically costing $1-2. College and pro football and basketball games rarely cost less than $20, and their concessions are usually several times more expensive.


September 18 Tip of the Week

Be aware of your cell phone costs and how to reduce them. Cell phone use has dramatically increased communications expenditures in many households. Understand peak calling periods, area coverage, roaming, and termination charges. Make sure your calling plan matches the pattern of calls you typically make.


September 11 Tip of the Week

Assess your communications costs. As Internet and wireless use grows, many consumers are overpaying for unneeded communications capacity. For example, you have a cell phone and two phone lines – one for your computer – consider receiving personal calls on your cell phone so you can give up one of the phone lines.


September 4 Tip of the Week

Keep your car engine tuned and tires inflated to their proper pressure. Doing both can save you up to $100 a year in gas.


August 28 Tip of the Week

To avoid over-extending yourself, think before you act. Before you sign on the dotted line for a large ticket item, such as a house or car, you should examine your budget and rent or borrow the item to ensure that your purchase will be a true fit.


August 21 Tip of the Week

Until the money is in your account, don't spend it. Many moneymaking ventures are not quaranteed and it's not wise to gamble with what "may be".



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Main Office
980 Jason Witten Way
Elizabethton, TN  37643
Fax: 423-547-3825
Johnson City Branch
313 W. Oakland Avenue
Johnson City, TN  37604
Fax: 423-722-6230
Elizabethton Branch
1321 Highway 19E
Elizabethton, TN  37643
Fax: 423-543-7783
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8301 Highway 19E
Roan Mountain, TN  37687
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