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February: Love Your Finances

Make The Most of This Tax Season

  • Maximize Deductions: Ensure you take advantage of all eligible deductions. From home office expenses to charitable contributions, every deduction counts.
  • Contribute to Retirement Accounts: Consider maximizing contributions to your retirement accounts. Not only will this secure your financial future, but it may also offer valuable tax benefits.
  • Stay Informed on Tax Law Changes: Keep abreast of any changes in tax laws that might impact your filing. Understanding recent updates can help you make informed decisions.
  • Leverage Tax-Advantaged Accounts: Explore tax-advantaged accounts like Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Contributions to these accounts can reduce your taxable income.
  • Review Investment Gains and Losses: Assess your investment portfolio for potential gains or losses. Strategically managing your investments can have implications for your tax liability.
  • Document Business Expenses: Opt for electronic filing to expedite the process and potentially receive your refund faster. It also reduces the risk of errors associated with paper filing.
  • File Electronically: Start organizing your financial documents well in advance. This not only reduces stress but also helps you file your taxes accurately and efficiently.
  • Organize Your Paperwork Early: If your financial situation is complex, consider seeking advice from a tax professional. Their expertise can ensure you don't miss out on potential savings.
  • Consider Professional Help: Familiarize yourself with available tax credits, such as the Child Tax Credit or the Education Credits. These directly reduce your tax liability.
  • Utilize Tax Credits: If you're a business owner or freelancer, meticulously document your business expenses. This can lead to significant deductions come tax time.

Remember: Individual financial situations vary, and it's advisable to consult with a tax professional for personalized advice based on your specific circumstances.

Maximize Your Path To Homeownership

As Tax Time approaches, seize the opportunity to leverage potential tax refunds for a down payment on your dream home.

Often overlooked, these funds can be a game changer in your homeownership journey.

In addition to maximizing your tax return, ensure financial consistency to strengthen your mortgage application. Avoid major purchases, maintain job stability, and consult with our professionals before making significant financial moves. From managing debts to credit inquiries, these tips will guide you towards a successful path to homeownership.

Visit to schedule an appointment today!

Meet Your Harmony Team

We love highlighting the wonderful people at Harmony Bank for all the great work they do every day. This month, we wish to spotlight Becky Daniels, an excellent Vice President of Lending with 10 years of dedicated service. With her experience and professionalism, Harmony Bank has become a place where we can achieve great things. Thank you for your commitment to the team, Becky!

What's Going On Around DFW?

While Harmony Bank is hard at work monitoring your savings, you're free to live a little! Explore these fun, family-friendly events happening soon:

  • Feb. 1: Daddy Daughter Dance - Waxahachie Civic Center; Waxahachie
  • Feb. 3: Little Sweetheart Dance - Plano Event Center; Plano
  • Feb. 3: Sweet Treats Stroll - Downtown Waxahachie; Waxahachie
  • Feb. 10: Dallas Mimosa Walk - Deep Ellum Outdoor Market; Dallas
  • Feb. 10: Hachie Gras 2024 - Downtown Waxahachie; Waxahachie
  • Feb. 12-13: Couples Cook - French Steakhouse; Central Market; Plano
  • Feb. 13: Galantine's Day - Flying Saucer The Lake; Garland
  • Feb. 14: I Hate Valentine's Day Featuring Taylor Swift Tribute - Lexus Box Garden at Legacy Hall; Plano
  • Feb. 17: Ennis Czech Music Festival - Sokol Hall; Ennis
  • Feb. 23-25: Texas Motorplex Bracket Series - Texas Motorplex; Ennis


Digital wallet access is just a click away! Discover the convenience of linking your Harmony Bank Visa debit card to your smart device for tap-to-pay functionality anywhere Visa is accepted. Upon adding your card, promptly contact the bank if you receive a message, and your card will be activated within minutes. It's that quick and easy!

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Harmony Bank is locally owned and operated, with 11 locations dedicated to providing a personal banking experience to address your specific needs. Discover the difference of working with a local banker.