Savings

Graduation is an exciting milestone—and if you’re one of the many high school or college grads who received financial gifts from family and friends, you might be wondering: What’s the smartest way to use this money? Whether it’s $100 or a few thousand, how you use your graduation money can have a meaningful impact on your financial future. So, keeping that in mind—let's look at some smart, practical ways to put your graduation money to good use in 2025 and beyond. 1....
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Life is full of milestones, and while they’re exciting, they can also be... expensive. Whether you’re planning a wedding, sending your child to college—we know, we’re crying too—or getting the golf clubs ready to gear up for retirement, having a savings plan in place is essential. This guide is here to help you save for major life events in 2025, offering practical tips to make your financial goals feel achievable—and maybe even a little fun. 1. Weddings: Saying...
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Happy New Year! It’s officially 2025, which means it’s the perfect time to reflect on your financial progress in 2024 and set yourself up for success this year. A thorough financial review can help you identify opportunities to save, invest, and grow your wealth. Let’s dive into the steps you can take to prepare for a prosperous new year. Step 1: Reflect on Your 2024 Financial Goals What Did You Achieve? Review the financial goals you set at the beginning of the year. Did...
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As we welcome a new year, many of us are eager to get back in shape, literally and figuratively. Gym memberships are flying off the shelves, and we're all determined to stick to our resolutions... at least for a few weeks. But while we're focused on toning our bodies, let's not forget about the importance of getting our wallets in shape too! The Unhealthy Truth About Subscriptions We've all been there—signing up for a gym membership with the best of intentions, only to...
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With the school year returning in August, the back-to-school buzz is in the air. We know that gearing up for the new academic year can be an exciting yet daunting task for college students and their parents alike. That’s why we’ve compiled a list of smart shopping strategies to help you navigate the sales and save big on dorm essentials. Budget Before You Buy Create a budget before you start shopping. List out all the items you need, from textbooks to toiletries, and allocate...
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As the summer sun blazes, it’s not just the temperature that rises. Energy bills often soar with the mercury, leaving many of us searching for ways to stay cool without breaking the bank. At The Middlefield Banking Company, we’re not just about financial services; we’re about serving our community. So, we’ve put together some energy-saving tips to help you beat the heat and save money this summer.  1. Use Energy-Efficient Appliances  Energy-efficient appliances...
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With the summer months just around the corner, many of us are dreaming of sun-soaked beaches, outdoor adventures, and quality time with loved ones. However, the rising costs of travel can be daunting, especially when you’re trying to stick to a budget. As your trusted financial partner, we’ve put together some practical tips to help you get the most out of your vacation while keeping your wallet happy.  1. Choose Your Destination Wisely Selecting the right destination is crucial...
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Congratulations, recent college graduate! As you step into the exciting world beyond campus, managing your finances becomes crucial. Whether you’re starting your first job or pursuing further studies, here are some practical financial tips to help you navigate this new phase of life. 1. Find Your Budgeting Style Before receiving your first paycheck, take a moment to consider your budgeting style. Instead of following the latest trends on TikTok, grab a pen and paper. Write down your significant...
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Your financial journey is unique, filled with aspirations, and opportunities. At Middlefield Bank, we understand the importance of having the right financial tools and support to navigate this journey with confidence. Whether you’re starting a savings plan, managing day-to-day expenses, or planning for major life milestones, our personalized banking services are here to help you achieve your goals.   Checking Accounts   Your checking account serves as the foundation...
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Building credit is not a one-size-fits-all journey; it is a personal and transformative process. Middlefield's approach to financial success is rooted in empowering individuals to build credit, make informed financial decisions, and turn their dreams into reality. As you embark on this journey, trust Middlefield to be your reliable partner, guiding you toward a future of financial empowerment and success. Join us as we dive into Middlefield's approach to financial success, emphasizing the...
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