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Hills Bank and Trust Company

HBT Connect eNewsletter from Hills Bank and Trust Company

  HBT Connect  
Volume 2, Issue 1: January - February 2012  

  Make Budgeting a Game

Now that the holiday excess is behind you, it's a great time to review your household budget. The key to managing a budget is finding ways to make it fun so it’s easy to maintain. Develop a game by identifying opportunities for saving within your household. Have everyone identify items or services they use around the house that cost money and brainstorm ways to save by spending less.

Go green and save on utilities.
Challenge yourself and your household to take simple steps like turning off lights, unplugging appliances or electronics, not pre-heating the oven longer than necessary, boiling warm water with a lid on the pot, and turning down the thermostat a couple of degrees in order to save on utilities.

Get exercise and reduce transportation.
Challenge yourself to make only one trip to the store per week, and think of other fun ways you can limit your vehicle usage. When the weather's right, take bike rides or walk to the local library or store. Not only will you save money, but you'll save the environment!

Find local entertainment.
It’s easy to overlook what’s happening in our own communities. The Corridor has many free or low-cost entertainment opportunities to experience local life. Visit hillsbanklivelocal.com for ideas, or even download our Live Local Calendar. You can save money on travel and spend quality time with family and friends while supporting our community!

Get a budget buddy.
You have heard of a fitness pal; why not apply the same principles to budgeting? If you have a friend who wants to be your budget buddy, use that motivation to help you save. It’s always fun to encourage and motivate a friend, especially if they start slacking, just like you would with a fitness pal.

Compete and save.
Have a competitive streak? Get a family member or friend to participate in a savings contest with you. Track spending every day for a month, and whoever spends more has to do an undesirable chore like clean the house. It will be great motivation for every purchase because even if it’s only $1.00, you will ask yourself if it's worth losing and risking the possibility of having to spend an afternoon cleaning. To top it off, even if you lose, you still win because you saved more than you would have without the competition.

Use these ideas to get started, but don’t stop there! Talk to family and friends to find out the saving ideas they implement in their own house. Or, search your smartphone's app store and the internet for more ways to make a game out of saving. Get your own creative juices flowing to think up fun ways to save.

  2012 Resolution: Organize Your Personal Documents

Between the junk mail that arrives each day and the kids' schoolwork that's tossed out of the backpack, it's easy to feel like we're drowning in paper. Even our important papers seem to pile up, waiting for us to find the time to sort and file them. Getting organized can seem like a chore, but it is absolutely essential. Before you can manage your financial affairs, you need to take charge of the important documents. Get a fresh start in 2012 and finally organize your personal documents such as birth certificates, insurance papers, deeds and more with a tool called the Personal SAFEkeeper.

The Personal SAFEkeeper will help you take small steps to tackle your project. Go through each page and slowly work your way to a finished binder full of easy-to-reference essential documents. Areas of focus include:

  • Credit and debit cards
  • Personal documents
  • Title and insurance
  • Home ownership
  • Social security
  • Retirement records
  • Investment records
  • Estate planning
  • Tax records
  • Personal insurance

The binder will be extremely helpful if you ever need to grab important papers in a hurry. Download your Personal SAFEkeeper today and get organized! P.S. Don’t forget you can store all those essential papers in a safe deposit box* located at any of our Hills Bank locations.

*Safe deposit box contents are not FDIC insured.


Financial Planning: Getting Started

Financial Planning involves several steps. Each is important and must be completed for your financial plan to succeed. The four main steps in the process are:

  1. Know where you are today.
  2. Decide where you want to be in the future.
  3. Set a plan to get there and put it into effect.
  4. Review the plan regularly to see that it continues to meet your needs.

As 2012 begins, it is time to reassess your New Year's resolutions. Hills Bank's Trust and Wealth Management team has a great tool to get you started on saving money to achieve your financial objectives. Fill out this financial planning form and return it for a free analysis. Get started today on your 2012 New Year's resolutions for financial success!

Non-deposit investment products are not FDIC insured, carry no bank guarantee, and may go down in value.


33rd Annual Cedar Rapids Home Show

Visitors to the show will be inspired by the latest products and services to build and improve their home and yard. The Cedar Rapids Home Show has thousands of ideas to help make your house a home!

Hawkeye Downs Expo Center | 4400 6th Street SW, Cedar Rapids
• Friday, February 24: 5 – 9 pm
• Saturday, February 25: 10 am – 8 pm
• Sunday, February 26: noon – 5 pm


Iowa City Area Home and Builder Show 2012

See thousands of home, remodeling, landscaping, and decorating ideas come to life at the 2012 Iowa City Home and Builder Show. Plus, you can meet face-to-face with local contractors and material suppliers that will help you enhance your home’s comfort, functionality, appeal, and value.

Coralville Marriott Convention Center | 300 E 9th St, Coralville
• Friday, March 30: 5 – 9 pm
• Saturday, March 31: 10 am – 6 pm
• Sunday, April 1: 10 am – 4 pm


Holiday Schedule

The bank will be closed on the following holiday:

President's Day
Monday, February 20th

Even though we will be closed, you can still do your banking at over 70 Hills Bank ATMs in the Cedar Rapids - Iowa City Corridor, Hills Bank Online, via mobile banking, or through Push Button Banker.

View the complete Hills Bank holiday schedule.

Hills Bank Forevergreen Road, Highway 965 Opening February 21, 2012.

Hills Bank's new location located at Forevergreen Road and Highway 965 is opening February 21, 2012, and will house the Trust and Wealth Management Department, currently located in the Grand Rail development, Coralville.

In addition to trust and wealth management services, customers will have the convenience of full-service banking. Plans for the 18,000 square foot facility include personal banking staff as well as drive-up banking, a drive-up ATM, safe deposit boxes, and a night depository.

Hills Bank and Trust Company. Member FDIC. Non-deposit investment products are not FDIC insured, carry no bank guarantee, and may go down in value. Safe deposit boxes are not FDIC insured.

Want $20 when you open a new Hills Bank account? Get your $20 opening deposit coupon!
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©Copyright 2012 Hills Bank and Trust Company. Member FDIC.


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