Money Skills for Real Life
From your first paycheck to your first apartment—and everything in between—financial wellness starts with having the right tools and people by your side.
Whether you're learning how to budget, building credit, navigating new payment options, or protecting yourself from scams, Rollstone Bank & Trust is here to help. Explore practical resources designed to help students and young professionals make informed financial decisions today and into the future.
Explore Financial Wellness Resources
Choose a topic below to access practical tools, articles, and guidance designed to help you build confidence with your money and make informed financial decisions.
Where Did All My Money Go?
Budgeting & Spending Basics
Most money stress isn't one giant purchase—it's often lots of small purchases that add up over time. Understanding where your money goes is the first step toward taking control of your finances.
Explore resources to help you build a budget, identify spending habits, and make your money work harder for you.
Helpful Resources
- 50/30/20 Budgeting Method
https://rollstonebank.banzai.org/wellness/resources/fifty-thirty-twenty - Quality vs. Cost: Making Smart Spending Decisions
https://rollstonebank.banzai.org/wellness/resources/quality-vs-cost - College Budget Breakdown
https://rollstonebank.banzai.org/wellness/resources/college-budget-breakdown
Credit Score Myths—Busted
Understanding Credit
Building good credit starts with understanding how it works. Many people hear conflicting advice about credit scores, credit cards, and debt. The truth is that responsible habits today can help create more opportunities tomorrow.
Learn what impacts your credit score and how to build healthy credit habits from the start.
Helpful Resources
- Understanding Credit Scores: How to Increase and Manage Your Score
https://www.rollstonebank.com/understanding-credit-scores-how-to-increase-and-manage-your-score/ - FICO Scores: Your Key to Financial Wellness
https://rollstonebank.banzai.org/wellness/resources/fico-scores-your-key-to-financial-wellness - Best Practices for Using a Credit Card
https://rollstonebank.banzai.org/wellness/resources/best-practices-for-using-a-credit-card
Buy Now, Pay Later: What to Know Before You Click
Smart Borrowing & Payment Decisions
Splitting payments into smaller amounts can seem easier, but it's important to understand the full picture. Multiple due dates, fees, and forgotten payments can create unexpected financial stress.
Before choosing a Buy Now, Pay Later option, take time to understand how it fits into your budget and financial goals.
Helpful Resources
- Get Out of Debt Coach
https://rollstonebank.banzai.org/wellness/resources/get-out-of-debt-coach - Peer-to-Peer Payment Apps
https://rollstonebank.banzai.org/wellness/resources/peer-to-peer-payment-apps - Using Credit Responsibly
https://rollstonebank.banzai.org/wellness/resources/using-credit
Financial Self-Defense
Protecting Yourself from Fraud & Scams
Scammers are constantly finding new ways to target consumers. Learning how to spot warning signs and protect your personal information can help safeguard your money and your identity.
Stay informed about common scams and learn how to recognize, avoid, and report fraudulent activity.
Helpful Resources
- Back-to-School Scams
https://www.rollstonebank.com/back-to-school-scams/ - Security Center
https://www.rollstonebank.com/security/ - Avoid, Recognize & Report Fraud
https://www.rollstonebank.com/avoid-recognize-report-what-to-do-in-the-face-of-fraud/
Explore Financial Wellness Resources
Financial wellness isn't about having all the answers—it's about having trusted resources and support when you need them.
If you have questions about banking, budgeting, credit, fraud prevention, or financial planning, connect with a member of the Rollstone Bank & Trust team. We're proud to help students, young professionals, and community members build strong financial habits for the future.
Meet Your Rollstone Bank & Trust Team
Rollstone Bank & Trust is proud to support our local communities with a team of bankers dedicated to helping individuals navigate their financial journey. Whether you have questions about opening an account, managing your money, understanding credit, or planning for the future, we're here to help.
Kayla Keaveny
Assistant Branch Manager
John Fitch Office
Phone: 978.353.2826
Email: [email protected]
Michael Carignan
Universal Banker II
Email: [email protected]
Melissa Smith
Assistant Branch Manager
Parkhill Office
Phone: 978.353.2832
Email: [email protected]
Courtney Caliendo
Universal Banker II
Email: [email protected]
For your security, please do not send confidential or sensitive information, such as account numbers, Social Security numbers, passwords, PINs, or other personal financial information, through email. Email is not a secure method of communication.