New Year's Resolutions
New Year, New You! Now is a great time to encourage consumers to start their financial planning and set reasonable goals around budgeting and savings.
Tax Identity Theft Awareness Week begins January 31, 2022.
Healthy Financial Habits
- Looking to start the new year with new habits around money? We can help. #newyearnewyou [INSERT LINK TO MODULE]
- Start the year strong by establishing healthy financial habits! Get started: [INSERT LINK TO MODULE]
- What better way to kick off the year than to start applying healthy financial habits to your daily life? Take 5 minutes and get started: [INSERT LINK TO MODULE]
Family Conversations About Money
- A new year is the perfect time to talk to your family about financial goals. Not sure where to begin? We’ve got you covered: [INSERT LINK TO MODULE]
- What are your financial goals for the new year? Make sure you and your partner are on the same page with these tips for starting the conversation: [INSERT LINK TO MODULE]
Debt Management
- Now is the time to set your #newyearsresolutions and make a plan to tackle your debt! This short lesson will teach you how to learn how to reevaluate your budget and get started: [INSERT LINK TO MODULE]
- Do you have a debt action plan? We can help you make one to start the year strong 💪🏼: [INSERT LINK TO MODULE]
Subject Line: New year, new you, new financial habits
It’s 2022! There's no time like the present to set a few financial resolutions for the year to come, especially if you're not feeling great about the amount of money you spent on holiday gifts for friends and family.
Visit the [INSTITUTION NAME] financial education center to find some inspiration and tips that will keep you on track all year long, including:
- How to create a personal plan for growing your emergency fund
- Developing an action plan for paying off and eliminating debt
- Having productive conversations around money with significant others or family
Not sure where to start? Head over to our digital financial lessons: [INSERT LINK TO MODULE]
Achieve:
Engage:
- Budgeting
- Making Budgets Work
- Planning for Financial Emergencies
Savings
America Saves Week takes place February 21 - 25 this year, and the theme is Building Financial Resilience. You can build off this by encouraging your consumers to create an emergency fund, budget well, and reduce overspending.
Savings Accounts
- Saving money can feel overwhelming. Where do you start? We can help you learn about different types of savings accounts and which makes sense for you: [INSERT LINK TO MODULE]
- Do you have the best type of saving account for your individual goals? Make sure you've looked into all the options and decided which is the best fit for you: [INSERT LINK TO MODULE]
Building Emergency Savings
- Do you have 3 months' worth of expenses saved? Learn about how to start an emergency fund today. [INSERT LINK TO MODULE]
- An emergency fund can be the difference between feeling comfortable and being caught off-guard by an illness or accident. Get started with yours today. [INSERT LINK TO MODULE]
- When everything is on track, it can seem like you don't need emergency savings. But you don’t want to be caught unprepared by a broken arm or fender-bender! Click the link to learn more on how much to save and how to make a plan today: [INSERT LINK TO MODULE]
Certificates of Deposit (CDs)
- Does a certificate of deposit make sense for you? Learn more about the types of CDs and how to open one: [INSERT LINK TO MODULE]
- Like the sound of a low-risk account with guaranteed interest? A certificates of deposit (CD) might be right for you! Learn more: [INSERT LINK TO MODULE]
Health Savings Accounts
- If your employer offers a Health Savings Account, you could be saving money every paycheck! Learn about how an HSA works and if it's right for you: [INSERT LINK TO MODULE]
- Healthcare is expensive, but a Health Savings Account can help lower some of the burden. Learn about the other benefits of HSAs and how to get started: [INSERT LINK TO MODULE]
Subject Line: Emergency savings 101: How to get started
Do you know how many months' worth of expenses is recommended for an emergency fund?
Many Americans can't afford a spontaneous $500 expense, let alone a larger emergency. Through savings accounts at [NAME OF BANK], you can start building your fund and feeling more financially secure every day.
With a little extra research and planning, you can create a savings strategy that aligns with your personal financial goals.
Learn more about starting a savings account, why you should save for emergencies, how much to save, and how to make a plan here: [INSERT LINK TO MODULE]
(PS - You need 3 months' of expenses! Let's get started today.)
Achieve:
Engage:
- Planning for Financial Emergencies
- Banking Basics
- Small Businesses and Financial Emergencies
Credit Scores & Reports
March is National Credit Education Month! This is a great opportunity to educate your customers about building healthy credit, or find new potential customers for your credit card products.
National Employee Appreciation Day (March 4), National Consumer Protection Week (March 6 - 12), and Global Money Week (March 21 - 27) are all taking place this month.
Credit Scores and Reports
- Would you call yourself creditworthy? Learn how your credit score is determined and how you can improve it: [INSERT LINK TO MODULE]
- Your credit score has a huge impact on your financial life, and little things can make a big difference. Understanding how it works can help you once you're ready to buy a home, lease a car, or pay off your debt: [INSERT LINK TO MODULE]
Credit Cards
- Ready to open your first credit card? Be sure you know how they work, the associated costs, and how to manage them responsibly: [INSERT LINK TO MODULE]
- Always pay your credit card bills on time and in full. Take 5 minutes to learn more about some helpful tips and tricks to keeping on track with your goals: [INSERT LINK TO MODULE]
- Thinking about opening a new credit card account? Make sure you research the options to find one that makes sense for you: [INSERT LINK TO MODULE]
Considering Homeownership
- Could your credit score negatively affect your ability to afford the home you want? Learn more here: [INSERT LINK TO MODULE]
- Check out these tips to improve your credit score as you consider and prepare for homeownership: [INSERT LINK TO MODULE]
Car Loans
- In the market to buy a car? Find out how your credit score can affect your financing options before you head to the dealership. Learn more here: [INSERT LINK TO MODULE]
- Before you buy a car, it’s important to know the credit requirement for auto loans. We've got a short lesson available so you can learn the basics: [INSERT LINK TO MODULE]
Taxes: The Basics
- Put off doing your taxes until the last minute? Not this year! Take this short, interactive lesson to get yourself in gear. [INSERT LINK TO MODULE]
- Tax season can be stressful, but it doesn't have to be. We have a guide to important terms and dates for a smoother experience this time around. You'll feel prepared to file your taxes before next month: [INSERT LINK TO MODULE]
Subject Line: The ins and outs of building good credit
For lots of people, the three digits making up your credit score are filled with mystery. How long do late payments stay on it? Is paying off a credit card account and closing it good or bad? And how high does it really need to be to afford the house you want?
Understanding how credit scores and reports work is an important step in your financial journey. Building positive credit and avoiding hits when possible can help you achieve your goals such as buying a home, leasing a car, or paying off debt.
Our short 5-minute lessons include information about:
- The types of institutions and companies that may use your credit score
- The importance of credit, how to monitor credit, and how to improve and maintain your existing credit
Develop healthier credit habits in under 10 minutes with the [INSTITUTION NAME] financial education center: [INSERT LINK TO MODULE]
Achieve:
Engage:
- Credit Scores & Reports
- Buying a Car
- Considering Home Ownership
- Mortgages
Financial Literacy Month
Financial Literacy Month is the perfect time to make a push for your organization's commitment to providing education to your consumers. Help them understand the habits that can give them more confidence in their financial well-being, and your role in their ongoing journey.
Other timely happenings this month include National Employee Benefits Day and Tax Day (April 15, as always!)
Healthy Financial Habits
- April is National Financial Literacy Month! Check out our top tips for building healthy financial habits: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
- [NAME OF INSTITUTION] is celebrating National Financial Literacy Month this April by empowering you with the tools to make important financial decisions. Get started today! [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
Creating a Budget
- It’s Financial Literacy Month! Try these budgeting tips to ensure you’re staying on top of your financial goals: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
- Only about one-third of Americans create and maintain a budget – are you one of them? Get budgeting tips this month: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
- A budget can help you stay on top of your finances by helping you plan where your money will go instead of wondering where it went. We’re here to help: [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
Family Conversations About Money
- We’re celebrating #FinancialLiteracyMonth this April by empowering you with the skills you need to start having conversations about money. [INSERT LINK TO MODULE] #FinLitMonth
- Talking to your family about money can be hard, but learning how to have productive conversations can actually help your finances. [INSERT DEEP LINK] #FinancialLiteracyMonth #FinLitMonth
Taxes: The Basics
- Put off your taxes until the last minute? You're not alone. Take this short, interactive lesson to feel comfortable getting them out of the way. [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
- Feeling pressed and stressed about your taxes? We've got a guide to key terms and dates here. [INSERT LINK TO MODULE] #FinancialLiteracyMonth #FinLitMonth
Subject Line: Top Skills for Strong Financial Habits
National Financial Literacy Month is finally here! At [INSTITUTION NAME], we’re committed to offering you the resources you need to make healthy financial decisions — year-round.
This month, we want to celebrate our [members/customers] who have achieved important financial milestones, whether that's opening a new credit card or buying your first home. Congrats!
If you're feeling less comfortable with your financial journey, that's okay too. Our free, digital financial education program is here to support you along the way. We have lessons on everything from the basics of growing your credit to feeling comfortable with car loans to having conversations about money.
Whether you're a financial aficionado or a bit of a newbie, [INSTITUTION NAME] is here to help.
Check out our [PROGRAM NAME]: [INSERT URL]
Achieve:
Engage:
- Budgeting
- Making Budgets Work
- Debt Management
- Mobile Banking
529 Plans
This May, don't miss 529 Day! (On the 29th, of course.) With college costs continuing to rise, consumers should be well informed about if a 529 plan is right for them.
May also includes National Life Insurance Day (May 2), the anniversary of the first day it became available in the United States.
529 Plans
- Stressed about saving for your child's college? Maybe try a 529 plan! We'll walk you through the benefits and risks to consider: [INSERT LINK TO MODULE]
- Don't just go off instinct when thinking about saving for college. Take our short lesson to discover options like 529 plans and make a more informed decision: [INSERT LINK TO MODULE]
Paying for College
- Thinking about attending college soon? Find out about how you can start saving: [INSERT LINK TO MODULE]
- Paying for college can feel overwhelming. Try our calculator to estimate your financial aid and out-of-pocket college costs: [INSERT LINK TO MODULE]
Mortgage Relief
- Considering refinancing your mortgage to pay for your child's college education? It's an option, but make sure it's the right choice for your financial situation: [INSERT LINK TO MODULE]
- Refinancing your mortgage can lower your monthly payments, but it also has its drawbacks. If you're looking to free up funds to pay for your child's college education, it might make sense. Learn more about the benefits and drawbacks here: [INSERT LINK TO MODULE]
Subject Line: Your Child Will Be Ready For College - What About Your Wallet?
Getting ready to send your child to college brings up so many emotions — don't let stress about money be one of them. Without a plan in place to save from an early age, you can end up in a tough situation.
We’re here to help! Whether you’re planning to save for college for your child or yourself, we have resources available to walk you through all the options to consider when putting together a financial plan.
Visit the [INSTITUTION NAME] financial education center to learn about topics including:
- Different ways to pay for college
- How to calculate unexpected costs
- Tools to help build college savings
- The benefits and risks of 529 plans
- Student aid options available
- How to calculate out-of-pocket costs and estimated student aid required
Get started: [INSERT LINK]
Considering Homeownership
June is National Homeownership Month, and also the peak time of year for homebuying. For many consumers, even those who otherwise consider themselves financially savvy, buying a home is one of the most stressful and opaque processes there is. Luckily, they have you!
Other monthly highlights in June include National Insurance Awareness Day (June 2) and the FAFSA deadline (June 30).
Considering Homeownership
- Toying with the idea of buying a home, but not sure if you're ready? Learn more about available loan choices, interest rates, and fees like closing costs to decide if homeownership is right for you: [INSERT LINK TO MODULE]
- Feeling ready to move into a place of your own? Amazing! Before you sign onto a 30-year mortgage, check out these top tips for homebuying: [INSERT LINK TO MODULE]
Buying a Home
- You've decided to buy a home, but you're not sure where to start? We'll take you through common steps in the buying process and all the resources available to you during each: [INSERT LINK TO MODULE]
- As you start looking at homes, make sure you learn more about the upfront and ongoing costs that go along with homeownership. We can also help you make a plan for how they will fit in with your other expenses. [INSERT LINK TO MODULE]
- Shopping for a home? We'll walk you through all the different loan choices, homebuying resources, and more: [INSERT LINK TO MODULE]
Mortgages
- Overwhelmed by mortgage applications? Learn more about the different types available, then decide which one is the right fit for you: [INSERT LINK TO MODULE]
- Buy a home is an exciting decision! The actual mortgage application process that follows can be overwhelming. We can help you prepare these insights on mortgages, things to look out for, and other key steps in the process: [INSERT LINK TO MODULE]
Shopping for Insurance
- Shopping for homeowners insurance can feel overwhelming. Use these questions as a starting point to make sure you're on the right track: [INSERT LINK TO MODULE]
- In honor of National Insurance Awareness Day, we want to make sure you understand how to identify a bad deal when you see one, and choose the type of insurance that makes the most sense for you: [INSERT LINK TO MODULE]
Credit Scores and Reports
- Your credit score has a big impact on your ability to buy a home. We have 7 actions you can take to work on improving your score! [INSERT LINK TO MODULE]
- Ready to buy a home? Let's make sure we get your credit score in order first. Learn more: [INSERT LINK TO MODULE]
Subject Line: The Ins and Outs of Buying a Home
Deciding to buy a home is an amazing, exciting milestone. The actual mortgage application process that follows, on the other hand, is not. Buying a home is one of the most expensive decisions you’ll ever make, and that can be overwhelming and stressful.
We can help you prepare yourself to understand the lingo associated with different steps (escrow, mortgages, and more), and feel confident on every stage of your homebuying journey. Here are some topics to start:
- The many steps involved in homebuying
- Understanding different types of mortgages, what they are, and which is right for you
- Calculating and preparing for initial and ongoing costs
- Determining your overall financial readiness for homeownership
We're here to help you with your homebuying journey: [INSERT LINK TO MODULE]
Achieve:
Engage:
- Considering Home Ownership
- Mortgages
- Mortgage Modification
- Credit Scores & Reports
Car Buying
Car sales spike in the summer months. There's a good chance many of your consumers are considering making the move! You can help both first-time and experienced buyers prepare to make good financial decisions as they approach this large purchase.
Car Loans
- Summer is a popular time for car shopping, but you should think before adding a new monthly payment into your #budget. Learn more about the factors that will affect how much that could be: [INSERT LINK TO MODULE]
- Planning to take advantage of pricing specials to buy yourself a new car? Before you head to the dealership, make sure you understand the basics of auto loans: [INSERT LINK TO MODULE]
Creating a Budget
- Before you head out on your summer vacation, make sure your #budget is ready for the trip! [INSERT LINK TO MODULE]
- Want to create a budget or looking to update your current one? Try these tips to ensure you’re always staying on top of your financial goals: [INSERT LINK TO MODULE]
Credit Scores & Reports
- Do you know what your credit score is and how it’s calculated? We can walk you through it: [INSERT LINK TO MODULE]
- About 35% of your credit score is based on your payment history - do you know what makes up the remaining 65%? Make sure you are focused on all aspects of your credit score: [INSERT LINK TO MODULE]
Subject line: Get Outside This Summer — But Stay Inside Your Budget
It's been a long year already, and you could use a break! Whether you prefer spending time with family, getting outdoors, or taking a road trip – some of your biggest plans probably require a car to get you where you want to go.
If you're thinking about taking the plunge, here are a few quick tips:
- Create a budget so you know just how much car you can afford. And don't forget — that includes not just the deposit and monthly auto loan, but also insurance, gas, and any other day-to-day expenses.
- Check your credit score, and see if you can increase your credit score before you head to get a loan.
- And finally, learn the ins and outs of choosing out a new car loan.
We’re here to help you with your car buying journey, wherever that may end up taking you: [INSERT LINK TO MODULE]
Achieve:
Engage:
- Buying a Car
- Making Budgets Work
- Credit Scores & Reports
- Debt Management
Family Conversations About Money
August is full of back-to-school feelings as summer winds down. That makes it an excellent time for families to talk about money management, especially if you have a child heading off to college.
Many families have a difficult time talking about finances, but more open communication can help reduce stress and prepare your children to be financially confident adults. Fittingly, National Financial Awareness Day occurs on August 14.
Family Conversations About Money
- Have you talked to your children about how to save money or what a good budget looks like? Learn how having productive family conversations can get them off on the right financial foot: [INSERT LINK TO MODULE]
- Thinking about taking the next step in your relationship? Make sure you've talked to your partner about the 6 most important money questions: [INSERT LINK TO MODULE]
Healthy Financial Habits
- Financial health is a critical component of your and your family’s overall well-being. Learn more about how you can develop good habits and make sure your children do, too. We have the resources to help you get there: [INSERT LINK TO MODULE]
- Check out these tips for establishing healthy financial habits — then make it the main topic at the dinner table tonight. [INSERT LINK TO MODULE]
Credit Cards
- 83% of adults in the US have at least one credit card. Have you talked to your teen about responsible credit card habits? [INSERT LINK TO MODULE]
- Make sure you are using your credit card responsibly! Learn more about how they work and the benefits and costs: [INSERT LINK TO MODULE]
- A credit card is one of many payment options you have, and they can even offer valuable benefits! But before you open a new account for your soon-to-be college-bound child, be sure to teach them how they work, the benefits and costs, and how to manage one responsibly: [INSERT LINK TO MODULE]
Creating a Budget
- Only about ⅓ of Americans create and maintain a budget, but doing so can have a huge positive impact on your financial health. Take our short digital lesson, then talking to your family about the power of budgeting. [INSERT LINK TO MODULE]
- Help foster your family’s financial health by building a budget that supports your needs: [INSERT LINK TO MODULE]
Subject Line: Let's Talk About Money at the Dinner Table
Growing up, many of us were taught that it was inappropriate to discuss money. But all that does is lead to confusion and poor financial habits and awareness down the road! Having proactive, honest conversations about money within your own family can help reduce stress and improve the financial capability of your children for the rest of their lives.
Explore our online financial education content [INSERT LINK] to learn more about:
- Identifying the appropriate family members to have in the conversation
- Strategies to make your conversations productive, not awkward
- How to develop an action plan to create positive financial behaviors from a young age
- Key topics relevant for the whole family including credit cards, budgeting, and building healthy financial habits
Achieve:
Engage for K12:
- SMART Budgeting
Engage:
- Budgeting
- Making Budgets Work
- Debt Management
- Mobile Banking
Paying for College
September is College Savings Month! Unfortunately, most high school students don't have as much access or emphasis on planning for college as they should. You can help fill this knowledge gap by providing families with the information they need to understand their payment options and get started saving today.
National 401K Day (September 9) and National Report Medicare Fraud Day (September 12) are also coming up this month.
Paying for College
- With so much going on in schools, many high school seniors no longer have as much emphasis placed on navigating the FAFSA process. Get started with this short online lesson to demystify federal student aid: [INSERT LINK TO MODULE]
- If college is still part of your child’s plan after high school, don’t let uncertainty around the state of higher education stop you from financial planning. You can do this! We have free, digital lessons about FAFSA and other payment options for your family: [INSERT LINK TO MODULE]
- Have the #FAFSA on your to-do list, but overwhelmed by acronym fatigue? Learn more about federal #studentaid and the other options to consider for college expenses: [INSERT LINK TO MODULE]
- Are you or a family member planning to attend school next fall? Don’t forget the #FAFSA, one of the most popular options available for college expenses. Learn more and start planning today: [INSERT LINK TO MODULE]
Understanding Your Student Loan
- Student loans are designed to help students pay for higher education, but there are lots of strings attached. Learn more about the different types of student loans, important student loan terms, and student loan repayment options before you sign any agreements: [INSERT LINK TO MODULE]
- Student loans can be complicated, and that's a recipe for trouble. Start simple by learning the differences between federal and private student loans: [INSERT LINK TO MODULE]
529 Plans
- Starting to save for college for yourself or your child? There are many different savings vehicles you could choose from. See if a 529 plan makes sense for you: [INSERT LINK TO MODULE]
- Have college on the brain this back-to-school season? Take this short lesson to learn more about 529 plans, including the benefits, risks, and more: [INSERT LINK TO MODULE]
Subject Line: It's time for college savings 101
Meg Ryan said it best in You've Got Mail: This time of year makes me want to buy school supplies. Across the country, students are headed back to class. Whether you're a parent or even a student yourself, the topic of paying for college can't be far from your mind.
This is a great time to make sure you hit the books on your own, and we have plenty of quick lessons that can put you at ease with your savings plan. Explore our digital financial education content [INSERT LINK] to learn more about:
- Different ways to pay for college, such as 529 plans
- Tools to help you calculate costs (tuition, books, room and board, and more) and start to build your college savings
- Student aid options and the key differences between types of student loans
Achieve:
Engage:
- Debt Management
- Making Budgets Work
- Planning for Financial Emergencies
Financial Planning
October is National Financial Planning Month! This is a perfect time to highlight everything you're doing to help consumers with their financial goals. There are so many options available, so it's important to give them the resources they need to develop a financial plan that works for them.
Other key holidays in October include: National Savings Day (October 12), National Save to Retirement Week (October 16 - 22), International Credit Union Day (October 20) and National Get Smart About Credit Day (October 20).
Certificates of Deposit
- Can a certificate of deposit (CD) help you achieve your financial goals? Learn more about the types of CDs, how to open one, and if it's the right choice for you: [INSERT LINK TO MODULE]
- Certificates of deposit (CDs) offer a low-risk savings option for a fixed period of time. Not quite sure if that aligns with your financial goals? Learn about the types of certificates of deposits, the benefits and risks, and which one may be right for you: [INSERT LINK TO MODULE]
Estate Planning
- It may not be the sunniest topic, but it's important to create an estate plan early in life. Learn more about when to think about estate planning and what else to consider in the process: [INSERT LINK TO MODULE]
- Do you have assets, dependents, or specific wishes for how you want to be taken care of in old age? Consider creating an estate plan now so there are no questions asked when you get there. Learn how to get started with building a plan and what to think about in the process: [INSERT LINK TO MODULE]
Becoming a Financial Caregiver
- What does it mean to become a financial caregiver? Before signing on for a responsibility like that, you need to understand the expectations. Our resources can answer all your questions when deciding if you're ready to take on this role: [INSERT LINK TO MODULE]
- Becoming a financial caregiver is an important decision, and may not be right for everyone. Do you know what would be expected of you and how to protect yourself? Learn more here: [INSERT LINK TO MODULE]
Subject Line: Financial planning tailored for your needs
When it comes to financial planning, it can be hard to apply out-of-the-box tips to your specific situation. What works for a family of four probably won't work for a single person supporting their elderly parent, or for a newlywed couple thinking of buying a home.
Our digital financial resources can help you to start planning for your financial future, whatever your goals may be.
Visit the [INSTITUTION NAME] financial education center to learn about topics including the:
- Process and benefits of a Certificate of Deposit compared to other savings vehicles
- Best practices for estate planning and when you should consider it
- Expectations, procedures, and documents involved in becoming a financial caregiver
There’s no time like the present to start planning for your financial future. Get started with us today: [INSERT LINK]
Achieve:
Engage:
- Planning for Financial Emergencies
- Retirement
- Debt Management
Planning for Retirement
Putting money aside for retirement early can give consumers a lot to be thankful for once the time comes, but it can be difficult to make it a priority. Give your consumers some tips to refocus on their retirement goals in time to plan for the coming year.
Other key holidays in November include International Fraud Awareness Week (November 13 - 19) and Small Business Saturday (November 26).
401K Plans
- Have you started saving for your retirement? The earlier you start, the better off you'll be! Learn more about how 401k plans can help you save for your future income: [INSERT LINK TO MODULE]
- Does your job offer a 401k plan? Do they match? If you're not taking advantage of this option, you could be leaving money on the table. Learn more about how 401k plans work and why you should consider participating in one today: [INSERT LINK TO MODULE]
IRAs
- Don't know the difference between a traditional and a Roth IRA, or which one makes the most sense for you? Visit our financial education center to learn which is which, and whether either makes sense for your financial planning: [INSERT LINK TO MODULE]
- Did you know you can have a 401k and an IRA at the same time, while saving money on your taxes? Visit our financial education center to learn more about the advantages of IRAs and if one is right for you: [INSERT LINK TO MODULE]
FIRE Lifestyle
- FIRE (Financial Independence and Retire Early) is a lifestyle that requires specific short-term financial behaviors to achieve a long-term goal. Learn more about how you could be maximizing your current income to retire earlier: [INSERT LINK TO MODULE]
- Want to live a #FIRE lifestyle? We can help you learn to manage your finances now to create financial independence and give yourself an early retirement: [INSERT LINK TO MODULE]
Annuities
- Thinking about starting to invest, but overwhelmed by some of the lingo? Take this quick course to understand what annuities are and how they could help you with your retirement savings goals on track: [INSERT LINK TO MODULE]
- Did you know there's more than one type of annuity? Take this course to get in-depth on annuities and how they can help ensure you have a dependable and regular source of income in retirement: [INSERT LINK TO MODULE]
When to Collect Social Security
- Do you know when social security benefits become available to you? You've been paying into it via your paychecks for years, so why not learn more about social security and how it fits into your retirement plan? [INSERT LINK TO MODULE]
- Starting to plan for retirement? Make sure you understand how much social security benefits will fit into your plan. Learn more about these and how they applies to your financial situation: [INSERT LINK TO MODULE]
Subject Line: Are you financially ready for retirement?
On average, men in the United States retire at age 65 and women at age 63. Are you on track to hit your savings goals at that age?
The best time to start planning and saving for your retirement is right now — yes, even if you're only 25! In fact, the earlier you start, the better off you'll be.
There are lots of different strategies to help you prepare for your golden years. Between IRAs, 401ks, annuities, social security, there's plenty to choose from. Visit the [INSTITUTION NAME] financial education center [INSERT LINK] to learn about topics including:
- The difference between 401K plans and IRAs and how to decide which is best for you
- What an annuity is and how it fits into retirement planning
- The Financial Independence Retire Early (FIRE) lifestyle and how you can get started on this path today
- When Social Security benefits become available and what you can expect.
Achieve:
- 401K Plans
- Individual Retirement Accounts (IRAs)
- FIRE Lifestyle
- Annuities
- When to Collect Social Security
Engage:
- Retirement
- Investing at Work
- Planning for Financial Emergencies
Holiday Spending and Small Businesses
The holidays are well known as both the most wonderful and most stressful time of the year. After 11 months of good financial habits, let's not throw it all away on gifts and hot cocoa!
If you work with small businesses, this is also a huge time of year for them. Support all of your consumers with financial education so they can go into this holiday season confident and prepared.
December is also National Identity Theft Prevention & Awareness Month.
Creating a Budget
- Do you overspend every holiday season? Get ahead of the game this year by creating a budget that takes all your holiday plans into account. Get started: [INSERT LINK TO MODULE]
- 2023 is coming sooner than you think. Do you feel ready to go into January with a solid budget plan? Explore these tips to help you get on track: [INSERT LINK TO MODULE]
Identity Protection
- With the number of websites you're using for online shopping this month, it’s more important than ever to know how to protect your personal information. Learn more: [INSERT LINK TO MODULE]
- Holiday season is prime time for identity theft. Learn how to keep your information safe as you shop for gifts: [INSERT LINK TO MODULE]
Preventing Overdraft Fees
- Using your debit card for your holiday shopping this season? Make sure to keep a close eyes on your balance to avoid getting hit with overdraft fees. Learn more here: [INSERT LINK TO MODULE]
- Don’t let an ill-planned shopping trip ruin your holiday spending budget! Learn more about overdraft fees and how to avoid them: [INSERT LINK TO MODULE]
Credit Cards
- Planning to use your credit card for holiday shopping? Make sure you're staying safe while swiping online or in stores. Learn more: [INSERT LINK TO MODULE]
- If you are one of the millions of Americans using credit cards to shop this holiday season, take a few minutes for a refresher on how to use them responsibly: [INSERT LINK TO MODULE]
Subject Line: Holiday spending tips for you!
Happy holidays from all of us at [INSTITUTION NAME]!
We know this can be a busy, expensive time of year, which makes it especially difficult to stick to your budget and avoid overspending. With a few financial education tips, you can build a holiday spending plan that works for you, while setting yourself up for a happy new year.
Visit the [INSTITUTION NAME] financial education center for insights including:
- How to use your credit cards responsibly this holiday season
- How to protect yourself from identity theft while shopping
- Creating a budget to guide your spending and sticking to it!
- Understanding overdraft fees and how to avoid them
Visit the [INSTITUTION NAME] financial education center to get started: [INSERT LINK TO MODULE]
We hope these tips help you manage your finances during the holidays and get 2023 off on the right foot!
Achieve:
Engage:
- Identity Theft
- Making Budgets Work
- Small Business Financial Statements
- Small Businesses and Financial Emergencies
