Between the Ts

Summer vacation season is right around the corner. But did you know it is possible to save a significant amount of money on vacation by doing a little pre-planning? In this episode of BETWEEN THE Ts, Kelly Rankin, Treasury Management Customer Support Supervisor for Texas Bank and Trust, shares how her family saves thousands of dollars on vacations, and how our listeners can use some simple steps t...

Have you ever wondered how a bank makes the determination on loan applications? What factors are considered when they either approve or deny a loan? While a credit score is one of the primary items reviewed, there are times when even a good credit score may not be enough to qualify for a loan. In this edition of Between the Ts, we sit down once again with TBT Lending Officer Zach Gilbert to discus...

Just when we thought the holiday season was behind us, along comes the little white envelopes reminding us just how much those precious memories cost us. That’s right. ‘Tis the season for credit card statements. While credit cards are just one of many types of credit, they are the most common product that introduced many of us to the idea of borrowed money. Join us on this episode of Between the T...

Have you ever made a purchase just to “fit in,” or solely for the purpose of impressing others? Whether it is new shoes, clothes, cars, or even a big pink cup, statistics show that approximately 40% of us tend to overspend to buy things we do not need just to “keep up with the Joneses.” Join us in this episode of BETWEEN THE Ts as we tackle the myth of social status and discuss ways we can change...

Dealing with financial setbacks can feel like a long, slow, crawl through the mud. It can be emotionally and physically draining, especially when tough choices are made between paying a bill or buying food. As we wrap up our budgeting series for Between the Ts, we sit down once again with Blake Bradshaw and Rachelle Carter to discuss practical methods for dealing with overwhelming debt loads and d...

What do we do when we face a financial emergency? Whether it is the result of a pandemic, job loss, medical expense, home repair, or some other unexpected event, the way we manage our money now can affect how well we make it through a financial crisis. Just as doctors use “triage” to prioritize the treatment of life threatening wounds over scrapes and bruises, we can use a similar “triage” approac...

Would you trust a contractor to build your dream home if he said he would figure out the floorplan as he goes? Or would you expect a detailed blueprint that describes where every element of the house will be placed? Shouldn’t we expect the same type of planning when it comes to our money? Surprisingly, studies show that many Americans live paycheck-to-paycheck with very little saved for emergencie...

A common misconception is that estate plans are only for the super wealthy with a ton of assets. Another misconception is estate plans are only for older individuals who are retired and nearing the end of life. The truth, however, may surprise you. Even young adults can benefit from an estate plan because the documents it contains can give directions for your care during a medical crisis, as well...