Timeline of Life

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 »

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 »

How Debit Card Fraud Happens — and How to Avoid It

For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt. But like credit cards, debit cards are vulnerable to rip-off artists. And debit card fraud is particularly scary because thieves can withdraw money directly from your checking account. Here’s how debit… 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 »