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Coin and Coffee Blog 2020


Are Small Expenses Sabotaging Your Goals?

A fellow community bank in Florida tweeted “It’s not always the big expenses that sabotage saving efforts; small expenses can add up and be a huge cash drain. When creating a budget, find those drains and stop them!”

Small purchases, like that daily sweet tea, may appear insignificant, but they do add up. Reconsider these five small expenses and watch your savings grow.

Girl drinking a soda. Are small expenses sabotaging your savings goals?


3 Easy Ways to Spot a Phishing Scam

We want everyone to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled.
Banks Never Ask That Logo


Pros and Cons of Do-It-Yourself Projects

Extra time at home may have led to a deep dive into spring cleaning. Now that the closets are de-cluttered and the windows sparkle, it is time to take an inventory of home projects to complete. Before tackling all those projects yourself, it is a good idea to consider if it is best to do it yourself or to call the professionals. We created a list of DIY project pros and cons to help you decide what the best decision is for your situation.

PRO: You learn a new skill set. Learning a new skill can be rewarding and can come in handy the next time a similar need arises. Read More.
Two men measure a piece of plywood while the woman reviews instructions for the project.



Helping Teens Build a Strong Financial Foundation

Teens are at a critical age to develop a firm foundation of financial skills so money becomes a tool to help them reach goals and meet needs rather than a continuous source of anxiety and stress.

How do we teach teens how to make good choices so they can survive on their own one day? It is a process and they are sure to learn some lessons the hard way, but here are some ideas.

Mother reviews online banking account information with her teenage son.


New Service for Local Business Owners

Local businesses are vital assets to thriving communities. And in a time when locally-owned community banks are declining, The Friendship State Bank is offering more for their local business neighbors. Friendship now has full-time Business Development Specialist, Amy Fryman, to work one-on-one with business owners to offer resources and solutions.
“In most cases, small business owners are really good at their small business, and are typically following their passions,” notes Friendship CEO Chris Meyer.“Where they need help is with their financial services, which is our specialty...READ MORE
Business Development Specialist Amy Fryman talks with local business owner about current needs.


How to Start an Emergency Fund

Knowing how to prepare for an emergency or season of uncertainty is never easy, but it is always worthwhile. Having money set aside in an easily accessible savings account for an emergency can remove a little of the stress when traversing a difficult time. 

Building an emergency fund may seem overwhelming especially when finances are tight. It is okay to start small. There is no timeline for how quickly it must grow. Simply getting started is the most important step.

Jar of coin for saving next to wallet, keys, and glasses.


3 Things Your Florist Wishes You Knew About Valentine's Day

We asked Cheryl Drury, florist and owner of Flower of Gifts and Love (Opens in a new Window)in Dillsboro, what three things she wished people knew about Valentine's Day. Her message had little to do with flowers, but rather about what is in your heart. 
1. Valentine's Day is NOT just a romantic holiday for couples.
It is for everyone who holds a place in your heart from age 5 months to 105.
Close up of Red and Pink Roses


5 Tips for Teaching Kids to Save

April is usually when The Friendship State Bank transforms their lobbies to celebrate the good saving habits of their young customers. Even though lobbies are currently closed, that hasn’t stopped Friendship from finding fun ways to help kids develop healthy financial habits. Check out our Virtual Kid$ave Days

Many parents may be able to dedicate a little more time to teaching children about money. The American Bankers Association offers these tips to help parents teach money skills at home.

Woman excited about filling her piggy bank and growing her savings.


6 Tips for Smashing Your Goals in 2020

Approximately 60 percent of us set goals for the new year, but about only 8 percent successfully achieve them according to in a new Window). Goals are invaluable for personal, professional, and financial growth. How do we beat the odds and smash our goals?

A few of The Friendship State Bank’s top achievers shared their secrets to successfully completing a goal. Whether you want to save more, advance in your career, improve your health, or tackle a new hobby, these tips can set you on the road to success.
Women in coffee shop writing down goals in a journal.