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Top Five Holiday Tips

The holiday season is upon us! As much as we love the holidays, it is probably one of the most stressful times of the year. “Holiday Stress Index” conducted by Harris Interactive reported that 90% of respondents say they experience stress during the holiday season.  First State Bank would like to extend a helping hand.  Below are some of our favorite tips to help you navigate the holiday season.

1)      Make homemade gifts

You don’t have to be Martha Stewart to create a personal gift for a family member or friend on your list.  Click on the link below for great directions on how to make some of these fun, thoughtful gifts.

http://www.bhg.com/christmas/gifts/

2)      Decide ahead of time how much you plan to spend on whom.

Write out a spending plan and budget before you start shopping. Having a set plan makes hectic Christmas shopping much simpler, and it also helps to keep you from overspending.

3)      Shop online

It’s never too late to find good deals online. Most websites will allow you to purchase a gift just days before Christmas and still have them shipped on time.  Many websites clearly list the dates you need to submit an order by to receive them before Christmas.

4)      Buy used when possible

This works well for small kids that don’t mind (or notice!) if their toy is new or used. Things like basketball hoops, bikes, books and movies can all be purchased used. This idea can also be helpful when buying electronics, decorations, and household items for adults on your Christmas list. Websites like EBay and Craigslist offer gently used items for sale.  

5)      Start a New Tradition

Create a tradition that eliminates the need to buy multiple gifts for each person on your list.  Draw names, organize a Secret Santa gift exchange, or play Rob Your Neighbor or White Elephant.  This works well for friends, co-workers, and your book club, but could also be used with your extended or immediate family, if everyone is on board.

For more ideas on how to save click on the link below.

http://www.foxnews.com/opinion/2012/12/01/8-smart-ways-to-save-on-christmas/

Community Bank Expands into West St. Louis County

First State Bank of St. Charles will open a new branch at 17050 Baxter Road in Chesterfield next Monday, December 10, marking the first time the 145-year-old bank will operate a full-service retail branch outside of St. Charles County.

The new bank branch will offer personal banking, mortgage loans, mobile banking, investment services and a full line of deposit accounts, loans and online cash management tools for businesses. First State Bank of St. Charles reported total assets of $262,971,000 as of September 2012.

Bank president and CEO David Strautz expects the Chesterfield location to be a good fit for the bank's services and continued growth. “As an independent bank with a strong community focus, we are especially pleased to move into Chesterfield with its strong residential and business community,” he said.

“We believe our bank’s conservative business model and rich history are a perfect complement to the current strength of the Chesterfield community and to those who live and work in this area.  When this location became available, our directors and management team felt it was the right time to expand our services into West St. Louis County.”

Strautz will have an office at the new location and will be joined by Mark Prainito, senior vice president, and Millie Cain, vice president of business development.

Several grand opening specials are in place for the month of December.  Lobby hours are 9 a.m. to 5 p.m. Monday through Friday and 9 a.m. to noon Saturday, with expanded hours for drive-up lanes.

First State Bank Honored With #1 Ratings In Several Categories By Local Voters

First State Bank is pleased to announce the results of the 2012 “Best of St. Charles County” poll, in which First State Bank took top honors in several categories: BEST LENDER, BEST MORTGAGE COMPANY, and BEST FINANCIAL PLANNERS.

This is the third year in a row that First State Bank has been voted “Best Lender” and “Best Mortgage Company,” and the second year to be voted “Best Financial Planners” by local voters in the poll.

The results of the Suburban Journals’ “Best of St. Charles County” readers’ poll are calculated from votes by local residents.  Votes are submitted through both an online and paper ballot each fall.

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