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Excel

You may be doing a victory dance for heading off to college and finally experiencing independence. Or maybe you’ve just graduated and you’ve found yourself back at your parents’ house or trying to figure out how to manage student loans and rent for your first apartment. You’ve looked forward to independence forever, but now “adulting” can seem a little intimidating – can’t it? The good news is, it doesn’t have to be. No matter your position, one of the most important things you can do is make managing your budget a top priority. Financial independence can be yours and doesn’t have to be a daunting task if you keep managing your money top of mind.

Excel at managing your money and setting personal financial goals by using the resources we’ve provided below. These tools can help you establish the right mindset to achieve your short and long term goals. You’ll surely have more questions and NBT wants to help. Stop by your local NBT Bank office for additional guidance to help you grow your money skills.

Introduction to Credit     Introduction to Online Banking      Anatomy of a Credit Card

Get Smart About Credit Quiz      Protecting Your Identity    Paying for College

Explore

KIDS: Have fun discovering and learning about the value of money and how the world uses it every day.

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Engage

TEENS: Learn about the basics of banking to help you start developing money management skills.

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For Parents

Help your kids build their money management skills

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