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All you need to do is ask for help.

If you're struggling to keep up with your bills or you just can't seem to get ahead financially, it might be time to talk to a professional financial counselor. Many people get stuck in a rut and believe they can work out of it alone. Sometimes they can. But other times, a financial counselor's objective advice is needed to show you a new way to doing things and a better way of managing your money. Here's what to consider when looking for help:
  • Utilize online resources to research your financial problem and get specific guidance
  • If you work with a company, make sure the financial counselor is objective and not pushy or attempting to make a sale
  • Be as forthright as possible in order to get the information that can truly help you
  • Always ask questions and make sure you thoroughly understand the topic and any guidance given
There's no reason to be alone with your financial troubles. Getting good advice from the right financial counselor and online resources can help you improve your financial well-being and start moving toward financial goals.
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Balancing and Budgeting

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Budgeting is not always easy. At the basic level, budgeting means you understand exactly how much money you earn and then you make smart decisions about how you manage that money. But everyone knows there are unexpected expenses or emotional whims that can blow up your budget. The key is to minimize, or better prepare for, those occurrences with a solid budgeting strategy that includes building up your savings account.



Budgeting 101: What Does It Take?
  • Record how much money you’re earning
  • Collect receipts to track how much and where you spend money
  • Analyze your expenses and determine where you can cut costs
  • Create a spending strategy and remain disciplined
  • If possible, set aside some extra money that you can use to celebrate when you reach a financial goal
It takes discipline to create and stick to a budget. Start small by looking closely at how you spend your money. You can create a chart that shows you what you earn per week and what you spend. This will help you notice how you use your money.

Remember to take care of important bills first—such as housing costs, groceries, loan and insurance payments—before you make spontaneous purchases.

Balance your fun and future by setting aside extra money in an interest-earning savings account at Octave Trust Bank or a safe investment, such as one of our certificates of deposit. When you get a better handle on your finances, you will be able to enjoy life without worrying so much.

Budgeting boils down to a simple premise: Spend less than you earn. That’s the way to get ahead.
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Do you offer financial planning services? 

The Hantz Group has partnered with Octave Trust Bank to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

Do you offer GAP insurance? 

Yes, learn more about Guaranteed Asset Protection (GAP) insurance online. To apply for GAP insurance, contact Octave Trust Bank at +44 744 190 4324 or visit any Octave Trust Bank branch.

What is Hantz Group? 

The Hantz Group has partnered with Octave Trust Bank to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

What are the benefits of financial planning services? 

The Hantz Group has partnered with Octave Trust Bank to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

Do you offer CLCD Insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disability Insurance will make the payments in the event the member becomes disabled. 

Do you offer AD&D insurance?

TruStage is a third-party company that offers unique insurance coverage services to members of Octave Trust Bank such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly. 

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