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How to Build a Budget: A Guide for College Students 

For many students, going to college marks a big step toward independence. One of many “new” experiences, is the management of finances. The good news is that with the right approach, it’s possible to balance your finances while still enjoying the full college experience. Here’s how to make the most of your money without missing out.  Common Budgeting Mistakes to Avoid Before building a budget,…

Retirement Planning for Every Age 

No matter your stage of life, thoughtful retirement planning helps turn long‑term goals into long‑term confidence. Whether you’re building early habits or refining withdrawal strategies, each decade brings unique opportunities to move your financial plan forward. And with the guidance of a trusted advisor by your side, you don’t have to navigate those decisions alone.  The Chelsea Groton Financial Services team believes that retirement…

The Hidden Cost of a Scam: Understanding the Emotional Toll

When people think about scams, they typically focus on potential financial loss. While losing money can be devastating, the emotional impact of being scammed can often linger long after the financial damage is addressed. The Better Business Bureau’s 2025 Scam Tracker Risk Report notes that scams create stress, erode trust, and make people more hesitant…

Fraud Watch: What to Know About the Fastest Changing Scams  

Every year, fraudsters find new ways to exploit trust, technology, and urgency. The Better Business Bureau’s 2025 Scam Tracker Risk Report revealed a trend: scammers have become more sophisticated, more convincing, and more likely to reach consumers through the devices they use every day. The report highlights the rise of employment scams, increasing scam activity…

Zelle®: A Fast, Convenient Way to Send Money to People You Trust

Whether you’re splitting the cost of dinner with friends, contributing to a group gift, or paying a family member back for concert tickets, sending money has never been easier. With Zelle®, available through Chelsea Groton Bank, you can send and receive money directly from your Chelsea Groton online or mobile banking account, without the need…

Emergency Preparedness Meets Financial Preparedness

When most people think about emergency preparedness, they think about stocking up on batteries, bottled water, and flashlights. While those essentials matter, there’s another part of being prepared that often gets overlooked: your finances. Whether it’s a severe storm, a prolonged power outage, an unexpected medical bill, or a sudden job change, life’s surprises can…

Building Financial Confidence with Chelsea U Student Banking 

For many teens and young adults, opening a first bank account is an exciting step toward independence. It’s often the start of learning how to manage money, set goals, and build confidence with finances. That’s exactly why Chelsea Groton created the Chelsea U Student Banking Program for students ages 13–22. The program combines easy-to-use banking…

Make Summer Spending Smarter with Smart Card 

Summer is all about making memories. Weekend getaways, beach days, dining al fresco, and spontaneous adventures. While you are enjoying the season, Chelsea Groton’s Smart Card tool, found in the Bank’s online and mobile banking platforms, can help you stay in control of your spending, notify the Bank of travel plans, and keep your debit…

Money Milestones: Summer Learning Guide for Families 

Summer is a great time for kids to learn about money in simple, everyday ways. From counting coins to earning a first paycheck, small moments can help build confidence and develop healthy financial habits at an early age. Use these ideas to make money lessons fun, practical, and easy to work into your family’s summer…

Before You Click “Pay”: How to Check if a Website is Safe 

Paying bills and making purchases online are part of everyday life. While digital convenience saves time, it also creates opportunities for scammers to take advantage of unsuspecting shoppers. Before entering your credit or debit card information, a few quick checks can help protect your money and your personal information.  Start with the Website Address You should look for two important…