Basic Steps for Building a Budget Asheville NC

A great way to start living a frugal life in Asheville is to plan for it. And when it comes to finances, the most important plan is a budget. Setting up a budget is possible no matter what you income, how you get paid, or what your current financial situation. Developing a budget is the first (and most crucial step) to becoming frugal. Here are some great tips on how to do it.

TD Bank - Asheville Branch
(888) 751-9000
200 College Street
Asheville, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: TD Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Asheville Main
(866) 245-3452
One Haywood Street
Asheville, 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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RBC Bank USA - 8 O'henry Avenue Branch
(800) 236-8872
8 O'henry Avenue
Asheville, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $29.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact RBC Bank USA for details.
Services
Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Asheville Main Remote Drive-Up Branc
(866) 245-3452
75 Coxe Avenue
Asheville, 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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First-Citizens Bank & Trust - Asheville Branch
(888) 323-4732
108 Patton Avenue
Asheville, 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 $2.50 fee each time you use a non-affiliated ATM. This fee only applies to accounts opened in NC, VA or WV. (Fee does not apply to all accounts.)
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - College Street Branch
(800) 432-1000
162 College Street
Asheville, 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

Data Provided by:
Bank of America - Asheville Downtown
(800) 432-1000
68 Patton Avenue
Asheville, 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

Data Provided by:
SunTrust - Asheville Branch
(800) 786-8787
20 Town Mountain Road
Asheville, 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 after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
SunTrust - Pack Square Branch
(800) 786-8787
10 South Pack Square
Asheville, 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 after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
BB&T - Asheville Main Branch
(800) 226-5228
1 W Pack Sq
Asheville, 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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Basic Steps for Building a Budget

A great way to start living a frugal life is to plan for it. And when it comes to finances, the most important plan is a budget. Setting up a budget is possible no matter what you income, how you get paid, or what your current financial situation. Developing a budget is the first (and most crucial step) to becoming frugal. Here are some great tips on how to do it:

1. Write down your spending. You can’t plan out how you will spend your money until you know how you are spending it at present. Carry around a small notebook for a month and write down every purchase you make. This will help you see how your money is disappearing.

2. Make a list of all your expenses and include the spending you have in your notebook along with any monthly bills that you might not have written down. Total up the categories that you have and the total spending as well.

3. Write out all of your income and how it arrives (monthly, weekly, bi-weekly). Total up your income.

4. Write out your budget (based on the last month that you recorded). Compare that budget with your income. If you have more going out than coming in, then it’s time to make some changes. You can either cut your expenses or you can make more money.

5. Study your budget and even take a few days to really think about the items you have listed there. Make better choices. If you only watch your television once a week then cancel your cable. Save that money for something else. If you have so many clothes that you canít open your closet then determine to pass on the shopping for a while. Decide to choose a future instead of a fleeting present.

6. After you have cut all that you can cut, review your budget balances. If there is still a deficit, itís time to consider a second job (or a job change). The only way to balance a budget (and start saving money) is to bring in more than you spend.

7. Review your budget regularly. Your situation will continue to change and so should your budget. As you learn to live a frugal life, you may well find that items on your budget are no longer important to you and can be removed.

If you want to live a frugal life then it is important to understand your spending and learn to get it under control. Setting up a budget is a first step towards that prosperous way of life.

This entry was posted on Wednesday, November 26th, 2008 at 9:15 pm and is filed under Budgeting . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response , or trackback from your own site.

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