Category Archives: Financial Advice

How Much Should You Spend on Work Clothing?

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Whether you are building your professional wardrobe from scratch or trying to keep up as rules and trends surrounding workplace attire evolve – purchasing work clothes can get tricky. Aside from figuring out how to budget for your work wardrobe, you are likely considering what clothing pieces will make you look and feel your best – and what apparel fits into your company’s dress code. Although it’s important to “dress for success,” it is equally important to set a clothing budget that doesn’t break the bank.

What’s a Good Clothing Budget?

The clothing you wear is one of the first things someone will notice about you, and can make a significant impact on their first impression of you. A clothing budget can help ensure that you won’t go into debt while curating that first impression. According to Business Insider, personal finance experts suggest that your clothing budget should not exceed 5% of your take home income. This means that you should aim to spend 5% or less of your take home income on work and casual clothing every year. For example, someone who takes home $1,500 every two weeks ($3,000 per month) should not spend more than $150 per month ($1,800 per year) on clothing. The simple equation of your monthly take home pay multiplied by 5% – can help you figure out just what that monthly figure is. You can then multiply it by 12 to figure out the maximum you should spend in a given year. Understanding what 5% of your take home income is on a monthly and yearly basis, can help you track your spending on clothing.

For those who are building their professional wardrobe from scratch, expect to spend more on clothing initially. This can include “the basics,” which are core, versatile pieces of clothing that will become essential to your wardrobe (for example: a pair of black pants or a cardigan that you can mix and match with different blouses). Lauren Bowling of Financial Best Life suggests you can spend 7% of your take home income, only if you are shopping for an entirely new wardrobe. After you build out your new work wardrobe – you will simply be doing “maintenance,” and likely won’t need to purchase as many new items all at once.

How Can I Save When Shopping for Clothing?

Limiting your clothing budget to 5% of your take home income might sound like a challenge, but it’s a challenge that can be made easier with some simple tips.

  • Take Inventory of Your Wardrobe Before You Shop: Having a clear idea of what’s in your closet can help you stick to your clothing budget. It can help you avoid making impulse purchases, keep the pieces you really need top-of-mind, and help you avoid buying items you already own. Additionally, by identifying items that are missing from or need to be replaced in your wardrobe – you can act on any good deals you might see.
  • Shop Secondhand: Not only is shopping secondhand eco-friendly, but it’s also budget-friendly. Shopping secondhand can help you find high-quality items for a fraction of their original sticker price. Pre-owned clothing items aren’t necessarily being sold because they were bad quality or damaged – they might have simply served their purpose to their original owner, who now wants someone else to enjoy it as much as they did!
  • Invest in Quality, Not Quantity: Purchasing low quality items will have you running to the store more frequently to replace them. In the end, the $20 shirt you purchased might cost you $40 if you only wear it for six months before having to purchase a new one. Investing in more expensive, high-quality pieces can ensure you go longer without having to replace items you frequently wear.
  • Take Advantage of Credit Card Rewards: Credit card rewards are a great way to get a bonus for the things you’re already doing – most likely including shopping for clothes. Those points or cash back really add up, and can be put toward your shopping bill. First Financial’s Signature Cash Plus Credit Card offers 1% cash back on unlimited purchases, along with uChoose Rewards – redeemable for travel, merchandise, gift cards, and more.* Your points can turn into a gift card at a major retailer, be used through PayPal when you add your card to your wallet, and reduce the “damage” from your next shopping trip.

It’s inevitable that you will need to spend money on work clothing – especially when starting a new job, but a budget can help make the inevitable more manageable. Remember, the 5% rule is a general rule of thumb. Although 5% of your take home income might seem like it won’t go a long way, those budget-conscious shopping trips will eventually have your wardrobe – and wallet, feeling fuller.

For more money management tips – make an appointment at your local branch, check out our website resources page, or subscribe to our First Scoop blog.

*APR varies up to 18% for the Visa® Signature Cash Plus Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Your First Financial Visa® Signature Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter.

Financial Considerations Before You Go Solar

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Switching to solar power can be a smart move for your wallet and the planet. But before you dive into solar panel installation, there are several important financial and practical considerations to keep in mind. At First Financial, we want you to make the best choice for your home and budget. Here’s what to think about before you decide to make the switch.

1. Is Solar Worth it for You?

Whether solar makes sense for you depends on many factors, including your current electric costs, your finances, your home’s potential, and how long you plan to stay there. Start by calculating your average monthly electric bill over the past year. Then, use online tools like Google Project Sunroof, EnergySage, or SolarReviews to estimate your home’s solar potential. These types of calculators factor in your roof size, orientation, and shading to project how much energy your panels could generate and when you might break even on your investment.

Keep in mind that estimates can vary widely between tools, so use them as a guide rather than a guarantee. If you plan to move within a few years, installing solar may not offer the potential savings you need to justify the upfront cost.

2. Is Your Roof Ready?

Before you invest in solar, assess the condition of your roof. If your roof is older and in need of repairs or a replacement within the next few years, it’s best to take care of this before installation. Otherwise, you might face the costly process of removing and reinstalling your panels. Ideally, your roof and solar panels should have similar life spans. Solar panels often come with a 20–25 year warranty, so it’s smart to ensure your roofing material will last a similar amount of time to avoid added expenses later.

3. Shop Around for the Right Installer

Don’t settle for the first solar installer you find. Collect multiple quotes and research each company’s reputation, certifications, and customer reviews. Comparing options will help you find the best value and ensure you’re working with a trustworthy provider. A quality installer will also be able to walk you through financing options, local incentives, and what you can expect in terms of performance and maintenance.

4. How to Compare Solar Proposals

When reviewing solar proposals, focus on these key points:

  • Price Per Watt: Lower cost per watt typically means a better deal.
  • Warranties: Look for 25 year panel warranties and 10–25 year inverter warranties.
  • Rated Power: Aim for panels with 420W to 440W for better efficiency.
  • Annual Production Estimates: Consider whether the system will meet 100% of your current energy use, and its ability to cover more if you add an electric vehicle or appliances.
  • Equipment Quality: Research solar panels and inverters. Microinverters are generally preferred over string inverters for better reliability.

Choosing high-quality components and a reliable installer will help maximize your investment and system performance.

5. Ensure Proper Insurance Coverage

Solar panel installation can impact your homeowner’s insurance. Before starting your project, contact your insurer to confirm your policy covers potential damages during and after installation. Some cities and states also require proof of insurance to approve solar projects, so make sure you meet all local requirements before moving forward.

6. Don’t Miss Out on Rebates and Incentives

The federal solar tax credit allows homeowners to deduct 30% of their solar installation costs from their federal taxes, available through 2033. That’s a substantial savings, and it applies regardless of the amount you spend, your income level, or whether you itemize deductions.

Some states and local governments offer additional incentives, like property tax exemptions or cash rebates. Research all the available programs in your area to maximize your savings. Keep in mind that you must purchase your system to qualify for the federal tax credit — leasing disqualifies you from this benefit.

7. Financing Your Solar Investment

Solar panels can be a big upfront expense, but financing options can make it manageable. Using a First Financial Home Equity Loan can be a smart and affordable way to fund your project.*

Features of our Home Equity Loans:

  • Competitive rates
  • No pre-payment penalties
  • No application fees
  • No points or closing costs
  • Flexible terms up to 20 years
  • Fixed monthly payments

We can provide the funds you need while keeping your payments predictable.

Thinking About Going Solar? We’re Here to Help.

At First Financial, we’re committed to helping our members make smart financial choices. Whether you’re exploring solar or other home improvements, we have the tools and expertise to support your goals. Ready to learn more? Call us at 732.312.1500, visit a local branch, or apply online.

*First Financial FCU (FFFCU) will waive closing costs at inception of loan. If loan is terminated within the first 2 years of opening, closing cost waiver is revoked and the borrower(s) will be required to pay back closing costs in full to FFFCU. A First Financial membership is required to obtain a Home Equity Loan, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. See FFFCU for details or visit firstffcu.com for all current rates. Rates for financing up to 80% of Appraised Value less other Mortgages.

Busting Harmful Money Myths

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When it comes to managing money, misinformation is everywhere. From outdated advice to widely believed myths, these misconceptions can make it harder to reach your financial goals. At First Financial, we’re here to help you navigate your finances with confidence. Let’s clear up some of the most common money myths and set the record straight.

Myth #1: Debit is Always Better Than Credit

While debit cards can help prevent overspending, credit cards – when used responsibly, have their unique benefits. With a good credit card, you can earn rewards, build your credit history, and even get purchase protection. Read up on when it’s best to use cash, credit or debit in our blog post about this topic.

Our Visa® Cash Plus Credit Cards offer cash back and uChoose Rewards that can be redeemed for merchandise, gift cards, and more.* Using a credit card for everyday purchases while paying off your balance in full each month — can improve your credit score and help you qualify for better loan terms in the future.

Myth #2: Buying a Home is Always Better Than Renting

Homeownership is often seen as the ultimate financial milestone, but it’s not always the right choice for everyone. Buying a home comes with long-term responsibilities, maintenance costs, and upfront expenses like closing costs and property taxes. You can learn more about this in our recent blog post on the true cost of homeownership.

If you prefer flexibility, aren’t ready for the commitment, or live in an area where renting is more affordable – renting might be the smarter choice for your current lifestyle. Owning a home can be a great investment, but it’s not a one-size-fits-all solution. Schedule a phone call or video chat with a First Financial mortgage expert to help decide what’s right for you.**

Myth #3: My Partner Manages the Finances, So I Don’t Need to

It’s okay for one person to take the lead on budgeting and bills, but all adults in a household should be financially informed. Whether you’re married, in a long-term partnership, or living with roommates – understanding your household’s finances is essential.

Life can change in an instant. If something happens to your partner or the financial leader of the home, you need to be prepared to manage accounts, pay bills, and make smart financial decisions. Financial literacy is a shared responsibility. Check out our financial tools and publications to help yourself prepare to manage your household budget.

Myth #4: I Can Rely on Credit Cards for Emergencies

While credit cards can bridge short-term gaps, they’re not a reliable plan for true emergencies like a job loss or a medical crisis. Interest and other fees can quickly turn your emergency into overwhelming debt. Instead, build an emergency savings fund with 3–6 months’ of essential expenses. This safety net offers peace of mind and keeps you from relying on high-interest borrowing when the unexpected happens.

Myth #5: Emergency Savings Aren’t That Important

One of the most harmful money myths is that you don’t need emergency savings. This type of account isn’t for vacations or a new car — it’s for life’s curveballs.

Having a separate emergency fund from all other checking and savings accounts ensures you’re financially prepared for unexpected events like car repairs, medical bills, or job loss. It’s not a luxury — it’s a necessity. Start small and build over time; even saving a few dollars a week adds up!

Myth #6: I Make Enough Money — Budgeting Isn’t Necessary

Even if you earn a comfortable income, budgeting is still important. Without a spending plan, it’s easy to lose track of where your money goes — or accidentally overspend.

A clear budget helps you make intentional decisions, prioritize saving, and avoid lifestyle inflation. Use our Home Budget Calculator to track your expenses and identify areas of improvement. Whether you’re saving for a house, planning a vacation, or just trying to live within your means – budgeting helps you stay focused.

Get the Facts with First Financial

Smart financial decisions start with reliable information. We’re here to help you build habits that support your financial well-being, and that are free from myths and misinformation. Call us at 732.312.1500 or visit your local branch to learn more. Don’t forget to subscribe to our First Scoop Blog for ongoing financial resources and ideas.

*Your First Financial Visa® Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter. APR varies up to 18%, when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.

**APR = Annual Percentage Rate. Subject to credit approval. Credit worthiness determines your APR. Rates quoted assume excellent borrower credit history and are for qualified borrowers. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Higher rates may apply depending on terms of loan and credit worthiness. Minimum mortgage loan amount is $100,000. Available on primary residence only. The Interest Rates, Annual Percentage Rate (APR), and fees are based on current market rates, are for informational purposes only. Rates and APRs listed are based on a mortgage loan amount of $250,000. Mortgage insurance may be required depending on loan guidelines. This is not a credit decision or a commitment to lend. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. See Credit Union for details. A First Financial membership is required to obtain a Mortgage and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. Standard text messaging and data rates may apply.

Financial Tips That Stuck: Advice from First Financial Staff

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April is National Financial Literacy Month, an initiative aimed at instilling individuals and families with the foundation needed to make sound financial decisions. No matter where you are in your financial journey, this month offers the perfect chance to pick up some new financial tips – or reflect on money lessons that have made a life-long impact on you. It is often said that experience can be the best teacher, so we asked our staff: “What is a financial tip that has really stuck with you?” From maximizing the power of credit card rewards to simple budgeting techniques, here are some financial tips that our team swears by – and for good reason.

  1. “Avoid Lifestyle Inflation. When your income increases, resist the urge to upgrade your lifestyle immediately. Instead, direct that extra money toward savings, investments, and especially paying off revolving debt! Having too much revolving debt lowers your credit score considerably.” – Julianne Brandt-Olivier, Director of Lending
  2. “Treat your credit card like a debit card. If you have a rewards credit card, this tip can help you avoid interest charges and overspending while racking up your points or cash back. When you have a debit card, you can only spend what is in your checking account. By self-imposing this same limit on your credit card, you will not only avoid spending more than what you can afford – but you will also reap the benefits of charging purchases you can pay off immediately, to your rewards credit card. This helps your credit card work for you!” – Samantha Colella, Business Development Representative
  3. “Pay the balance on your credit card every week – not just once a month. I have an alarm set for Saturday morning that reminds me to pay off whatever I’ve spent during the week. Making a payment to my credit card weekly keeps me honest as to how much I’m really spending.” –Michelle Comitini, Training Manager
  4. “Live within your means. Don’t spend more than you can afford.” – Nancy Culp, Chief Lending Officer
  5. “Pay yourself first. Think of yourself as a monthly bill. By paying that “monthly bill,” or yourself first – you will always have money tucked away for the future.” – Doreen Cutrona, Assistant Vice President of Member Operations
  6. “Create a budget. Don’t spend it, if you don’t have it. Also, start investing early.” – Sanjiv Dave, Director of Member Services
  7. “If you have debt (and we all do), list the debt in the order of highest interest rate to the lowest. Pay the debt with the highest interest rate off first so that you pay less interest in the long run. This also helps prioritize and keep you on track. It keeps things in perspective and helps you tackle the debt in a methodical and systematic way. When the largest interest rate debt is paid, you can check it off and go right on down the line and feel a sense of accomplishment.” – Eun Sook Kang, Compliance and Risk Specialist
  8. “Work toward eliminating revolving debt. Try to allocate extra funds in addition to your minimum required monthly payment. Apply this extra money to the debt with the highest interest rate. When that balance is paid off, continue to add to the next debt with the second highest interest rate and so on. In this way, you’re attacking the debt that accrues the highest monthly finance charges first, to pay off remaining debt faster.” – Michael Walker, Assistant Vice President of Information Technology
  9. “It might be a bit old school in today’s digital world, but each time I get paid I go over and reconfigure my budget for the upcoming 2 weeks. By writing out the money I have available on paper, my upcoming expenses, and how much I am going to put toward any bills – it helps me keep track of my spending more so than just looking at my account on my phone or in online banking. I still do both of those as well and monitor all my transactions, but actually writing out where my money is going helps me stay on track.” – Jessica Tortorice, Vice President of Marketing and Business Development

At First Financial, our top priority is supporting our members in achieving their financial goals – and we believe in the power of financial education to help achieve them. Subscribe to our First Scoop Blog to receive financial resources and tips right in your inbox.

What is a finacial tip that has stuck with you? Let us know in the comments!

What to Do Financially if You’re Laid Off

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Losing your job can be overwhelming, emotionally and financially. Whether you were given notice or it was completely unexpected, a layoff can leave you scrambling to cover your bills and figure out your next steps. While it’s a stressful time, there are some key moves you can make to regain stability and protect your financial future.

1. File for Unemployment Immediately

Don’t wait — apply for unemployment benefits as soon as possible. While unemployment likely won’t replace your full paycheck, it can help keep you afloat while you search for your next opportunity.

Every state has different requirements and processes, so head to dol.gov to find the correct resources for your location. If you qualify, consider having taxes withheld from your unemployment checks to avoid an unexpected tax bill later.

2. Evaluate and Adjust Your Budget

Now is the time to review your spending and cut any unnecessary expenses. If you haven’t been using a budget, create one now and prioritize essentials like housing, food, and utilities. Try to avoid relying on credit cards to cover the gap, as debt can add up quickly.

Use First Financial’s Home Budget Calculator to help map out a clear spending plan based on your new financial situation.

3. Review Health Insurance Options

If your health insurance is still active through your former employer, schedule any overdue doctor or dental appointments as soon as possible – as health coverage typically ends shortly after a layoff. Begin researching health insurance options through COBRA, your state’s healthcare marketplace, or look into temporary health coverage plans to avoid going uninsured.

4. Consolidation Debt

If you have high-interest credit card debt, it can quickly spiral out of control without a steady income. Look into consolidation loans to combine debt and reduce your monthly payments.

Our Consolidation Loans offer fixed payments, flexible terms, and no pre-payment penalties, making it easier to manage your obligations during a difficult time.* Once you consolidate, stop using credit cards, stick to your updated budget, and only buy what you have the money to pay for or that is an absolute necessity.

5. Pause Discretionary Spending

While it’s important to maintain some normalcy, this isn’t the time for splurging. Cut back on non-essentials like subscription services, dining out, buying new apparel, and entertainment. Instead, try home-cooked meals and budget-friendly activities to keep your costs low. Not knowing how long a layoff will last, means your safest bet is to cut expenses wherever possible until you have stable income again.

6. Save Your Severance Package

If you receive severance pay, try to deposit as much as possible into a high-yield savings account and use it only for essential bills. It may be tempting to use the money for comfort purchases or to maintain your old lifestyle, but it’s smarter to stretch it out as long as you can. Your severance package may also include extended health benefits, outplacement services, or payment for unused vacation or sick days.

Navigating a Layoff with First Financial

While losing a job is never easy, having a plan in place can help you regain control of your finances. At First Financial, we’re here to support you during life’s unpredictable moments. Call us at 732.312.1500, visit your local branch, or explore our financial wellness resources online.

*APR = Annual Percentage Rate. Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Personal Loan repayment terms range from 12 to 60 months, and APRs range from 10.24% APR to 18% APR. Minimum loan amount is $500. Loan payment example: A $2,000 Personal or Consolidation Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

How Cash Stuffing Can Change Your Budgeting Journey

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Although the financial goals you are saving for and the amounts you “should” have saved to reach them can look different depending on what life stage you are in, one thing is certain — making a plan to save is one thing, and sticking to it is another. Despite the challenges that come with saving, personal finance experts agree that you should have sufficient emergency savings (often referred to as an emergency fund) to cover three to six months’ worth of living expenses in the case of an unforeseen emergency. However, saving for long-term financial goals or life’s unexpected twists and turns is often put on the backburner in the face of monthly, or unexpected bills and expenses. Oftentimes, many feel discouraged to save by not having a clear idea of where their money is spent. There are various budgeting techniques that can help rein in spending and identify room to save – one of which is called Cash Stuffing.

What is Cash Stuffing?

Cash Stuffing, also known as the envelope system – is a budgeting method in which you convert your spending money into cash and stuff it into envelopes earmarked for different categories where you expect to spend during a specific timeframe. You would typically withdraw this cash when you receive your paycheck in an effort to budget where it will be going until your next paycheck. By setting cash aside in envelopes designated for specific purposes, you are encouraged to commit to spending only what you’ve allocated for a particular category.

How Do I Get Started?

1. Determine Your Typical Monthly Spending Categories

The success of cash stuffing lies in your ability to realistically project what you will be spending on. Determining the categories you typically spend money on can be done through brainstorming or going through your bank statements for the previous few months. There is no limit to the types or number of categories you can choose, but some common categories include:

  • Rent and bills
  • Groceries
  • Gas
  • Dining/takeout
  • Entertainment
  • Clothing

If you would like to take your cash stuffing one step further, you can create a category for saving. Unlike your spending categories, your saving category should remain untouched during the timeframe you choose, and can later be put into your savings or retirement accounts.

2. Set Spending Limits for Each Category

Decide how much you would like to spend on each category for the timeframe you choose. It is important to be realistic — for example, you can’t skimp out on paying your fixed expenses, such as rent and bills. Even if you don’t fill up those envelopes, those bills are still due. However, this step offers an opportunity to identify categories where you could potentially rein in your spending. If you notice you don’t typically use all of your groceries, or you impulsively buy coffee out multiple times a week, try setting your spending limit lower for those categories than it has been in previous months.

3. Decide How You Will “Cash Stuff”

While tried-and-true cash stuffing is done by stashing white envelopes in a box, the method has gotten much more creative in recent years. You can decorate the envelopes or color-code labels, or even purchase “budget binders” that can hold all of your cash envelopes.

Cash Stuffing Can Be Done Digitally: Cash stuffing digitally can eliminate worries about having your funds lost or stolen. In this case, you would create a spreadsheet and save it on your computer or tablet, still track your categories and spending limits, as well as how much you have spent and what’s still remaining. If creating a spreadsheet is not your forte, there are also phone apps and websites that can help create and manage digital envelopes to visualize your spending.

4. Withdraw Your Cash and Stuff Your Envelopes

Once you have determined how much money you would like to allocate to each category, add up your spending limits and withdraw that amount in cash. Then as the name suggests, “stuff” the cash into your envelopes.

5. Spend with Your Envelopes

Here is where self-discipline comes into play. Whether the cash contained in the envelopes is meant to last you for two weeks or a month, cash stuffing is designed to work if you only spend what you have set aside in each envelope. When you go to use your debit or credit card, remember that you are going over the budget you set for yourself.

The first time you attempt this budgeting method, you might notice that you have allocated too much or too little to certain categories. That’s okay — don’t go into cash stuffing with the expectation that your budget will be perfect the first time. You can tweak your categories, spending limits, or both – to fit your typical spending habits.

6. Save Any Excess Cash

If you notice that you have a surplus in one of your categories, try to avoid moving it to another category where you may find yourself wanting to spend more. You also don’t want to save it to spend the following month. Having excess cash affords you the opportunity to make extra payments towards debt, or to build up your savings account.

As far as budgeting methods go, cash stuffing is customizable to your financial needs and goals. Whether you are embarking on the cash stuffing journey to control your spending, pay off debt, or build your savings — First Financial is here to help you along the way. Check out our financial calculators that are available on our website, as well as our budgeting guide and fillable PDF worksheet. Stop in and see us in any of our branches if you still have questions, or call us at 732-312-1500 to set-up a financial review appointment.