Money Matters Blog

Soon it will be the season for spending time with family, making hot chocolate, building snowmen and, of course, buying presents! With the wonderful power of technology, we can surround the Christmas tree with gifts in just a few clicks. Keep reading to learn all about cyber safety while you shop this holiday season. 

It’s common to come across pop-up ads or...
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As joyful and exciting as the holiday season is, getting memorable gifts for your loved ones can bring about some financial stress. It’s always good to remind yourself that the price doesn’t always determine the quality of the gift you give. Rather than spending a fortune on big gifts that your loved ones might not even use, try one of these special gifts which are affordable and meaningful at the same time. 

Start the year out strong so you can finish the end of next year with a bang! These are some of our favorite savings resolutions that are great for novice savers or experts!

The first step you should take this year is to make steps to build up an emergency fund. Don’t let the unexpected set you painfully back in your budget and even from your ability to pay bills. Seventy eight percent of Americans live paycheck to paycheck and cannot afford...
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You don’t have to have extravagant wealth to take part in the season of giving. The definition of charitable is “relating to the assistance of those in need”. While a charitable gift of money can definitely be helpful, there are many other meaningful ways to give that leave a lasting impact on a family. These are some of our favorites. 

Time is a valuable commodity that few give freely. There are many organizations in the area that would love...
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Now that cooler weather is rolling in, it’s time to review your energy saving strategy. Farmers & Merchants Bank & Trust is here to offer you plenty of fantastic ideas to increase your savings this season.

Humidifiers offer health benefits as well as bigger savings! Humidity keeps your warm, forced air trapped in the living area in the house longer, thus satisfying your thermostat longer.

Even though it’s a little...
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