Trying to decide whether you should pay off bills, or set aside more savings for your retirement? Whatever you do, get started now. Whether you’re paying off bills, saving for the distant future, or both, time is on your side.

There are many online bill pay websites that appear to be affiliated with Horizon Bank, but they are not. These are third-party websites that allow people to pay bills via their site. These sites may charge extra fees to process your payment.