(Jessica) Welcome to Money Matters on the Southern Bank Financial Wellness Network. I'm Jessica.

(John) And I'm John.

(Jessica) And today we're talking about what to do if ends just aren't meeting. John, what should we do if it feels like we're drowning in debt?

(John) Well, first, Jessica, call your lender. Often, they're willing to work with you to find a solution and figure out a payment plan. 

(Jessica) You never know what the answer will be until you ask! And asking for help shows you're serious about getting your finances back in order.

(John) Exactly! And once that's done, prioritize your bills. Basic needs take the top of the list - food, shelter, utilities, and transportation. From there, it may be worth trying an accelerated repayment method to start eliminating debts.

(Jessica) If you have an emergency fund, this might qualify as a time to dip in and ease at least some of the burden to get back on track or ensure you don't go further into debt.

(John) Thanks, Jessica. We'll see you next time on Money Matters. And remember, Financial Wellness starts here!

Help Center

  • Lost or Stolen Debit or ATM Card

    1.855.ASK.SBANK (1.855.275.7226)

  • Lost or Stolen Credit Card


  • 24-Hour Emergency Roadside Assistance

    Lock your keys in your car? Car won’t start? Call 1.833.278.1576. It’s free to use up to $80 in service charges. (For GOLD accounts with BaZing Only.)

  • Reorder Checks

    Click Here. Safe & Secure check ordering through Deluxe, our preferred check printer.

  • Customer Care Center

    1.855.ASK.SBANK (1.855.275.7226)
    Mon-Fri 8am-7pm
    Sat 9am-1pm
    Treasury Services Support available Mon-Fri 8am-5:30pm Closed Sun & federal holidays

Online Banking

Don’t have Online Banking? Sign Up