Lifestyle

What is a Credit Card?

The word “credit” can generate a lot of emotions. Some people carry a negative connotation with the term, or think credit means debt and irresponsibility; but credit, when used with providence, can be a very good thing. Though buying a car and home may not be in your immediate plans, your financial choices today affect… Read more »

6 Ways to Save More Money in the New Year!

Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver. 1. Budget Budgeting helps you organize your finances so you have money left over to save each month. It… Read more »

5 Financial Resolutions for the New Year

A brand new year provides the perfect opportunity to make meaningful life changes, including improved financial wellness. These five financial resolutions can help get your year off to a promising start. 1. Get on budget Take charge of your finances by creating a budget. Start by calculating after-tax income and subtracting fixed monthly expenses. Then… Read more »

Best Ways to Start Saving for the Holidays

“Christmas in July” is the name of a movie in which a man called Jimmy is tricked into believing he’s won $25,000 in a national radio contest. (It’s from 1940, but the point remains.) He promptly goes out and blows his winnings on a shopping spree. When the truth comes out that Jimmy didn’t win,… Read more »

4 Reasons to Buy a Home Instead of Renting

The financial benefits of buying a home compared with renting have yoyoed over the years, especially of late. If you’re sitting on the fence, here are four circumstances in which it may be a better bet to buy. If interest rates remain low From a financing perspective, if this isn’t the best time to buy… Read more »

Is Fall the Best Time to Buy a House?

Sometimes it’s smarter to buy certain items according to the season, like sweaters near the end of  winter and swimsuits in late summer. But what’s the best season for buying a house? The answer: the fall. As temperatures cool and trees shed their leaves, enough factors break in the buyer’s favor to make it the No. 1 season for… Read more »

Money-Saving Ideas for New Parents

Wrapping your arms around the fragile frame of a newborn is holding the world in a warm blanket. With a new child in your family comes a whole lotta love, as well as a whole lotta baby products. From bottles of baby shampoo to crates of diapers, your life is going to explode with tiny… Read more »

What Credit Card Type Are You?

Deseret First Credit Cards If you’re looking for a great credit card, then we’ve got you covered here at Deseret First. Our VISA Platinum Credit Card is a top-notch credit card loaded with all sorts of features. For an exceptional rewards card, check out our VISA Platinum Rewards Credit Card. For questions or to apply,… Read more »

Budget Vacation Ideas

If you’re feeling the pull of travel, and want to get out and see some sights, then you need to spend carefully, or the travel will dig into your savings. We have compiled a few ideas that can help you save some money on key parts of your vacation, like airline tickets, rental cars, lodging,… Read more »

Looking to Reduce Your Auto Insurance Premiums?

If your budget’s tight and you need to shave a few bucks off of your insurance premium, then consider these tips. Increase Your Deductible One of the quickest ways to reduce your auto insurance premiums is to opt for a higher deductible. The deductible is the amount you’re required to pay, when you file a… Read more »