Wachovia Guide to Money Management

The first step in money management is knowing where you are and where you want to go. Start by finding ideas to help organize your expenditures so you know where your money is going, then work on protecting your money through a combination of planning, preserving, and balancing your finances.

Budgeting

Whether you're just starting to budget or are well versed, we can help identify ways to budget creatively, save time with bills, and set attainable goals.

How do I begin to budget?

How do I set attainable goals?

How can I plan ahead?

Financial Protection

With the variety of insurance products available today, choosing your coverage can be tricky. We can help you select the insurance products you need to protect your assets and yourself.

What role does insurance play in protecting my assets?

How can I protect my assets now?

How can I protect my assets for the future?

Debt Consolidation

People used to only borrow for "big ticket" items like a home or car. While taking out a loan to finance a home or car is a sound idea, over the past century, debt has become an accepted way to finance small items that you may not really need. Accumulating debt to live beyond your means is not a healthy way to manage your money. Find out if you're carrying too much debt and what to do if you are.

How do I know if I have too much debt?

How can I assess my credit history?

How can I manage and reduce my debt?

When should I contact a professional?

Fraud Prevention

Each year, thousands of people become the victims of fraud—that's why it is crucial to guard personal information and report any suspicious activity regarding your finances. Learn more about minimizing fraud and what to do if you become a victim.

How can I minimize the risk of fraud?

What should I do if I become a victim of fraud?

What should I do if my identity is stolen?

Do you have any brochures on fraud prevention?

The Wachovia Securities Tax Center site is designed to provide accurate, authoritative information regarding the subject matter covered. It is made available with the understanding that Wachovia Corporation and/or its affiliates are not engaged in rendering legal, accounting or tax advice. If legal, accounting, or tax assistance is required, the services of a competent professional should be sought. The hiring of a professional is an important decision and should not be based upon advertising. Ask for written information stating qualifications, experience and firm association before making a decision.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Only deposit products are FDIC-insured.

Annuity products are offered through Wachovia Insurance Agency, Inc. a non-bank affiliate of Wachovia Corporation, and are underwritten by unaffiliated insurance companies.

Member FDIC

Insurance and annuity products are offered through non-bank insurance agency affiliates of Wachovia Corporation and are underwritten by unaffiliated insurance companies.

Insurance products are underwritten by non-bank insurance affiliates of Wachovia Corporation.

Variable insurance products are also offered through Wachovia Securities, LLC, member NYSE/SIPC, a registered broker-dealer and a separate, non-bank affiliate of Wachovia Corporation.

Insurance and Annuity products are also offered through Professional Direct Agency, Inc. (may be licensed in some states as Jim Palmer, CA license #0C76773.)

Money Management Basics

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