Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it from Adobe.com.
 

Crisp County News & Events

The Watermelon Capital of the World is home to much more than just melons. Crisp County is known for it's abundance of agricultural crops like cotton, peanuts and pecans. South Georgia Banking Company is proud to partner with the community, individuals, area farmers and businesses to make Cordele GREAT!

Be the Boss (of Your Money!!) Ways to Create a Budget and Stick to It

 
Most of us know that budgeting is key to being in control of our personal finances. Actually creating a budget and sticking to it can be a little harder, though. South Georgia Banking Company wants you to be the boss of your money!! So let’s get started.
 
The key to a good budget is including as much information as you can, so that you can adequately prepare and plan. It's important to keep accurate records of your spending so you'll spot places where you can save money and know how much you can reasonably spend.
 
What is your current income? The first step in creating a budget is to total all of your income, or money coming. We recommend you do this on a monthly basis. Include only your take home pay (this is your salary minus taxes and deductions). Your income may also include tips, child support, investment income, etc.
 
What are your monthly expenses?  Next, you'll need to track your expenses, or money going out. Some of your bills will vary from month-to-month, so use a monthly average. For example, if your cell phone is $45 one month and $55 the next, estimate $50 per month. For annual bills, divide the yearly cost by 12 for a monthly figure. 
 
How much of your income should be spent?  Rent or mortgage payments plus your credit obligations – should not exceed 35 to 40 percent of gross monthly income. The amount you owe on credit cards, monthly car payment, student loans and other monthly payments should not exceed 10 to 15 percent of your take-home pay.
 
Put it in writing.  Document and categorize your expenses. Tally up everything you spend money on. Don't forget your daily coffee or snacks. Those can add up quickly!
 
Do the math. The last step in creating your budget is to total all of your expenses and subtract them from your total income.
 
So, How Did you Do?
Did you have money left over at the end of the month – or too much month left at the end of the money?
 
If your income and expenses are EQUAL ... 
  • You might be living paycheck to paycheck. Cut expenses and develop a savings plan in case of emergencies or unexpected expenses.
  • If your income and expenses equal each other, but only because you're using credit to survive and paying only minimums each month, you may need to talk to a debt counseling service to help you get back on the track to live within your means.
If you have MONEY LEFTOVER at the end of the month ...
You're doing a good job of managing your expenses. Here are some suggestions for the leftover money:
  • Open a savings account (we offer many options at SGBC).   
  • If you already have a savings account, consider setting up automatic transfers to your savings account or, if you have direct deposit, ask your employer to put a portion of your paycheck in your savings account automatically.
  • Also investigate whether your employer offers a 401(k) or other employee matching savings plan. The contribution you make to this type of account is taken out of your paycheck before taxes.
If your total was negative and you DON'T HAVE ENOUGH MONEY ... 
  • You need to make adjustments immediately. Keep in mind that it's usually easier to cut back on expenses than to increase your income. Analyze your budget to see where you can cut expenses – especially from the Looking Good and Just for Fun categories. Often those are the easiest things to cut from your budget.
  • Call your utility, phone, cable, cell phone providers. There may be ways to cut those bills that just take a phone call.
  • Consider increasing your income by getting a second part-time job or by working overtime.
You can take charge of your finances and your life by setting financial goals, planning a budget and sticking to it.​​ South Georgia Banking Company has banking professionals that would love to help – call or stop by any of our branches today!

Be the Boss (of Your Money!!) Ways to Create a Budget and Stick to It

 
Most of us know that budgeting is key to being in control of our personal finances. Actually creating a budget and sticking to it can be a little harder, though. South Georgia Banking Company wants you to be the boss of your money!! So let’s get started.
 
The key to a good budget is including as much information as you can, so that you can adequately prepare and plan. It's important to keep accurate records of your spending so you'll spot places where you can save money and know how much you can reasonably spend.
 
What is your current income? The first step in creating a budget is to total all of your income, or money coming. We recommend you do this on a monthly basis. Include only your take home pay (this is your salary minus taxes and deductions). Your income may also include tips, child support, investment income, etc.
 
What are your monthly expenses?  Next, you'll need to track your expenses, or money going out. Some of your bills will vary from month-to-month, so use a monthly average. For example, if your cell phone is $45 one month and $55 the next, estimate $50 per month. For annual bills, divide the yearly cost by 12 for a monthly figure. 
 
How much of your income should be spent?  Rent or mortgage payments plus your credit obligations – should not exceed 35 to 40 percent of gross monthly income. The amount you owe on credit cards, monthly car payment, student loans and other monthly payments should not exceed 10 to 15 percent of your take-home pay.
 
Put it in writing.  Document and categorize your expenses. Tally up everything you spend money on. Don't forget your daily coffee or snacks. Those can add up quickly!
 
Do the math. The last step in creating your budget is to total all of your expenses and subtract them from your total income.
 
So, How Did you Do?
Did you have money left over at the end of the month – or too much month left at the end of the money?
 
If your income and expenses are EQUAL ... 
  • You might be living paycheck to paycheck. Cut expenses and develop a savings plan in case of emergencies or unexpected expenses.
  • If your income and expenses equal each other, but only because you're using credit to survive and paying only minimums each month, you may need to talk to a debt counseling service to help you get back on the track to live within your means.
If you have MONEY LEFTOVER at the end of the month ...
You're doing a good job of managing your expenses. Here are some suggestions for the leftover money:
  • Open a savings account (we offer many options at SGBC).   
  • If you already have a savings account, consider setting up automatic transfers to your savings account or, if you have direct deposit, ask your employer to put a portion of your paycheck in your savings account automatically.
  • Also investigate whether your employer offers a 401(k) or other employee matching savings plan. The contribution you make to this type of account is taken out of your paycheck before taxes.
If your total was negative and you DON'T HAVE ENOUGH MONEY ... 
  • You need to make adjustments immediately. Keep in mind that it's usually easier to cut back on expenses than to increase your income. Analyze your budget to see where you can cut expenses – especially from the Looking Good and Just for Fun categories. Often those are the easiest things to cut from your budget.
  • Call your utility, phone, cable, cell phone providers. There may be ways to cut those bills that just take a phone call.
  • Consider increasing your income by getting a second part-time job or by working overtime.
You can take charge of your finances and your life by setting financial goals, planning a budget and sticking to it.​​ South Georgia Banking Company has banking professionals that would love to help – call or stop by any of our branches today!
 

Avoiding Scams for Your Small Business

 
If you own a small business or are part of a non-profit organization, you spend a lot of time and effort making sure the organization works well.  But when scammers go after your organization, it can hurt your reputation and your bottom line.  Your best protection?  Learn the signs of scams that target businesses.  Then tell your employees and colleagues what to look for so they can avoid scams.  Read more here.

Faye Leary: Commitment to Connections at SGBC

Customer Service Representative (CSR) Faye Leary has been with South Georgia Banking Company – in the Cordele branch – for 18 years and takes to heart the term “connection” which defines the way SGBC relates to customers and the community.

Faye gets a lot of satisfaction out of being a CSR, “I am a people person so I enjoy the day-to-day interaction with our customers and helping them any way I can,” says Faye. She added, “Across all our bank locations, we are one big family. We genuinely care about each other and it makes the work experience that much more enjoyable.”

In addition to the relationships Faye has built with her customers and coworkers, she is also invested in the community. Faye and her husband, Earl, are actively involved in their church, Beulah Land Baptist Church. They thoroughly enjoy being grandparents and participating in their grandchildren’s activities. Faye and her SGBC “family” take pride in their participation of Relay for Life as well as the support given to community schools and law enforcement.

“I know personally how it feels when I don’t get quality customer service,” Faye continued, “whether it is on the telephone or in person. I always keep that in mind when dealing with customers, because I know they deserve the very best!” Faye strives to offer the kind of customer service that makes SGBC stand out from the competition. South Georgia Banking Company is proud to have representatives like Faye who demonstrate the heart of our business every day.

 
October means pink and pink means Breast Cancer Awareness. South Georgia Banking Company is proud to sponsor and support local events like the Pink Out Walk in Cordele hosted by the Impact Sports and Fitness. Pictured (l-r) are Paula Green, Kathy Campbell, Heather Barefoot and Kayla Yawn. Little cuties at the bottom are Aly Barefoot and Hollie Yawn.
 
The Cordele Kiwanis Club recently distributed books for preschoolers at the local pre-school. The Kiwanis Club strongly encourages young kids to read and enrich their minds. Pictured is Paula Green with South Georgia Banking Company proudly supporting new readers and community endeavors.
 

South Georgia Banking Company’s Peanut Butter Drive resulted in exactly 100 jars of peanut butter to benefit Cordele’s local food pantry, Hand of Hope. Thank you to our customers and community for helping us spread hope to those in need! Each jar will be used to fill tables and improve lives. Pictured are Beverly Helms with South Georgia Banking Company and Donna Stripling with Hand of Hope.

 
SGBC Cordele took the opportunity this week to show appreciation to local law enforcement and emergency personnel in Crisp County by taking cases of water to each location. Places visited include the Crisp County Sheriff’s Office, Cordele Fire Department, Crisp County Fire Department, Cordele Police Department, and Crisp County EMS. We are thankful for these local agencies and we should all be grateful for the services they provide to us in our homes and at work to keep us all safe.

County fire department employee and Cordele branch employees standing in front of fire truck, accepting donation of water.

City Fire department and Cordele branch employees standing in front of fire truck, accepting donation of water.


County EMS employees and Cordele Branch employees standing in front of an ambulance, accepting donation of water.

 
SGBC Cordele hosted a Customer Appreciation Day on July 15. Heather Barefoot, Kayla Yawn, and Heather Cobb were in charge of decorations and as you can see, they set the “summer” mood for everyone!! Customers enjoyed watermelon, fruit kabobs, and lemonade on this hot summer day. A drawing for a gift basket filled with summer goodies was given away to one lucky customer!
 
Brad Christian recently spoke to the Business Education class at Turner County High School. The students have been learning about the need for having a good checking account and maintaining a good credit score. Brad spoke about those topics and other topics with banking, including identity theft and online banking. He also stressed the importance of education after high school and that there are scholarship opportunities for students to further their education. The students asked questions about the process of opening an account and other areas involved in banking.
 
Brad Christian recently read to a group of first graders at Turner County Elementary School in Ashburn. Brad read “What Pet Should I Get” by Dr. Seuss. February 29-March 4 is Dr. Seuss Week and Turner County Elementary has asked various members of the community to read to each class. After the reading, the class went outside to release balloons into the sky and sing “Happy Birthday” to Dr. Seuss.