7 Easy Ways To Reduce Your Food Waste

Couple unpacks food from grocery store

According to National Geographic contributors Samantha Cohen and Eric Estroff, Americans throw out an average of $165 billion of food every year. Not only is excess food waste a problem for people’s wallets, it also has a detrimental effect on the environment and makes it harder for food to reach those who really need it…. Read more »

Staying Focused as a Small-Business Owner

Small business owner man stands with an iPad smiling

Everyone gets distracted from time to time. For those running small businesses, distractions are not only more frequent but also more detrimental to success. Staying focused is a key tool every small-business owner should have in their toolbox. Starting is Easy – but Finishing is Hard Most successful business owners agree that starting something is… Read more »

How to Plan for Retirement in Your 30s

Couple in their 30s looks at phone and plans for retirement

Whether you’re playing catch-up or fine-tuning established investments, your thirties are crucial years for strengthening your financial future. Consider these tips to help make your road to retirement a bit smoother. Know Your Investment Options Whether you’ve already been saving for retirement or you want to get started, it’s important to be aware of your… Read more »

How Much Should You Actually Spend on Housing?

Young couple unpacks boxes in their new home

When you’re laying out your budget, housing money is probably a pretty big chunk. But are you setting your housing budget wisely? Before you sign up for a new lease or mortgage, make sure the monthly payments won’t ruin your financial plans. Following the 28/36 Rule As with many financial concepts, there’s a rule to… Read more »

Success Story: Minster Bank and Moran Refrigeration

Moran Refrigeration building in St. Marys, Ohio

Small business owners need a bank that truly knows them and understands their company. That’s why Doug Moran, owner of Moran Refrigeration in St. Marys, Ohio, has been a Minster Bank customer for nearly 20 years. Moran’s company itself has been serving northwest Ohio’s appliance needs since 1947. Local Focus at a Community Bank Moran… Read more »

How to Budget for Entertainment and Leisure

Group of friends enjoying a leisurely activity after budgeting for entertainment

Budgeting is daunting, especially since it means cutting down on how much money you can spend on entertainment and leisure. But being smart about your spending doesn’t mean cutting out fun altogether. Remembering entertainment in your budget will help you stick to it and enjoy the times you do decide to spend. Setting a Realistic… Read more »

Five Signs of Financial Trouble for Your Small Business

Small business owner working on financial problems at desk

Financial troubles for your small business typically don’t happen overnight. By paying attention to the following warning signs, you’ll be better prepared to protect your business from serious financial ruin down the road. Problem #1: You Have an Unbalanced Cash Flow When the money you’re spending to cover operating costs starts to exceed the amount… Read more »