Balancing your Budget Winston Salem NC

The basic premise behind a budget in Winston Salem is that the income has to exceed the expenses. It there is a deficit, then you either need to cut your spending or increase your income. Continuing on a deficit path will only lead to an eventual crash. It all has to start with a budget. It is important to get an understanding of what you are making and what you are spending so that you can bring it into balance.

BB&T - Branch Banking And Trust Company
(800) 226-5228
200 W 2nd St
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Wachovia Center
(866) 245-3452
100 North Main Street
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - West End Branch
(866) 245-3452
916 West Fourth Street
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - New Walkertown Branch
(800) 226-5228
2601 New Walkertown Road
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Wake Forest Branch
(866) 245-3452
1834 Wake Forest Road
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - Marshall Street Drive Thru Branch
(800) 226-5228
150 N Marshall Street
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Winston-Salem East
(866) 245-3452
701 Calremont Avenue
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Fifth Street Branch
(800) 432-1000
1300 East Fifth Street
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Bowman Gray School Of Med. Branch
(866) 245-3452
300 South Hawthorne Road
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Oak Summit Branch
(866) 245-3452
5995 University Parkway
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Balancing your Budget

This society is one piled high with debt. You hear the horror stories all the time. There is probably a person in debt living in your neighborhood or sitting next to you at the ballgames. People are getting into financial trouble for one simple reason – they are spending more money than they earn. Here are some useful tips for how to live within your means.

The basic premise behind a budget is that the income has to exceed the expenses. It there is a deficit, then you either need to cut your spending or increase your income. Continuing on a deficit path will only lead to an eventual crash. It all has to start with a budget. It is important to get an understanding of what you are making and what you are spending so that you can bring it into balance.

Set your priorities. If you have to have two cars then choose a smaller house. If you have to have a large house then you could choose one where prices are lower. If you have to have cable then subscribe to the most basic package. If you have to have an addition on your home then shop around for the best company at the best price to do the work (or find one that will let you do it a step at a time).

Tackle the credit and debt that already exists in your life, but start by committing to NO MORE! As you pay off one debt, take the money that would have gone to it and apply the money to your next debt. When you are debt free, the extra money you have each month could be overwhelming.

Find ways to make more money doing things that you enjoy (sewing, writing, gardening or babysitting), or take a seasonal job to save for specific needs. Getting a part time job, even for just a few weeks, could give you the money you need to balance your budget. You could also use any extra income to pay off your debts or to start an emergency savings fund.

No amount of frugal mindset or thrifty thinking will help if you are spending more than you bring in. This is one action that is best remedied immediately. If you want to have a future that is financially bright, then it is very important to develop a plan that has you bringing in more money than you spend. Putting together a budget, setting priorities, eliminating debt and bringing in more money are all steps to getting your finances in the right balance.

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