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The weather is warming up, the birds are returning and the flowers are in bloom.

Even though you probably want to spend every waking minute outside, consider making it a priority to spring clean your finances. You’ll have a clear picture of your financial situation and can make stress-reducing moves that will pay throughout the year.

1. Pay down debt. 

Either begin paying off existing debt by chipping away at loans with the highest interest rates or eliminating smaller debt first.

2. Review your budget. 

Did you get a promotion? Have a child? Buy a home? These changes can greatly affect your budget. Decide which expense require the most money and look for areas to cut back.

3. Check your credit report. 

Each year, you are allowed one free credit report from each of the three credit bureaus. Take advantage of these free reports and check them for any possible errors.

4. Download Starion’s free Mobile Banking app. 

From the palm of your hand, you can make a deposit or access a record of all your recent transactions.

5. Sign up for eStatements.

Converting to paperless billing will keep your house more clean and organized and help protect you from fraud.

6. Set up automatic Bill Pay. 

By scheduling recurring payments, you’ll never have to worry about a missed payment impacting your credit score. Login to Online Banking and set up a payment so money is regularly withdrawn from your checking account.

If you have any questions, schedule an appointment with a banker to discuss your options!