budgeting

Life is full of milestones, and while they’re exciting, they can also be... expensive. Whether you’re planning a wedding, sending your child to college—we know, we’re crying too—or getting the golf clubs ready to gear up for retirement, having a savings plan in place is essential. This guide is here to help you save for major life events in 2025, offering practical tips to make your financial goals feel achievable—and maybe even a little fun. 1. Weddings: Saying...
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Happy New Year! It’s officially 2025, which means it’s the perfect time to reflect on your financial progress in 2024 and set yourself up for success this year. A thorough financial review can help you identify opportunities to save, invest, and grow your wealth. Let’s dive into the steps you can take to prepare for a prosperous new year. Step 1: Reflect on Your 2024 Financial Goals What Did You Achieve? Review the financial goals you set at the beginning of the year. Did...
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As the summer sun blazes, it’s not just the temperature that rises. Energy bills often soar with the mercury, leaving many of us searching for ways to stay cool without breaking the bank. At The Middlefield Banking Company, we’re not just about financial services; we’re about serving our community. So, we’ve put together some energy-saving tips to help you beat the heat and save money this summer.  1. Use Energy-Efficient Appliances  Energy-efficient appliances...
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With the summer months just around the corner, many of us are dreaming of sun-soaked beaches, outdoor adventures, and quality time with loved ones. However, the rising costs of travel can be daunting, especially when you’re trying to stick to a budget. As your trusted financial partner, we’ve put together some practical tips to help you get the most out of your vacation while keeping your wallet happy.  1. Choose Your Destination Wisely Selecting the right destination is crucial...
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While budgeting for a fluctuating income can be difficult, The Middlefield Banking Co. is here to help offer a few strategies to lessen the madness. Finding a process to help soften the blow of the months where revenue drops is a perfect solution. Check out the following rules you should follow when living on an inconsistent income. Know Your Baseline Always having an idea of your lowest point for income will help you prepare for the months where fewer dollars come through the door. You’ll...
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