Provident Living

Save on Auto and Home Loans!

Get a good start on Summer with a new home or auto! Then start making many new memories with your friends and family!

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 »

Want to Buy a Home This Month? Five Things to Do Right Now

If you’re planning to make the big move this month and want to buy a home, then get prepared with these tips: Get Your Credit Report Your credit report is one of the most important factors in determining your interest rate—and when you buy a home your interest rate will be around for quite a… 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 »