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Get Organized, Get Saving*

If you're having a hard time tracking spending, here are some easy ways to help you get organized and start saving.

  • Set up your computer. Use an excel spreadsheet or try a free online tool to set up a budget and track your bills.
  • Go mobile. There seems to be an app for everything these days, including budgeting and tracking expenses. See what's available to your phone and choose your favorite.
  • Use one credit/debit card for all purchases. When you use one card for everything, you can easily track your purchases in one convenient place.
  • Create account alerts. Most accounts can be set to alert you when you get close to a certain balance.
  • Get a calendar. Use your online banking or receipts to tally your expenses daily, weekly and monthly. Then write the totals on the calendar – you'll begin to see patterns in your spending, which will help you budget.

It Pays to Save

Small changes add up to big savings

You've paid all your bills this month – and you still have extra money. What do you do? Buy that pair of boots you've been eyeing? Splurge on a dinner with friends? What if you decided to save that extra money?

You'd be surprised how quickly saving a little each month adds up – and that all it takes is a few small adjustments to your current financial behavior to do it.

Here are some ways you can develop better saving habits:

  • Make a budget.
    Whether it's weekly or monthly, a budget will give you a better idea of what you can afford to put into a savings account.
  • Open a Savings account.
    If you're saving for a specific goal like a vacation or new car, go to your financial institution and open up a new savings account just for that.
  • Reward Yourself.
    Most credit cards offer some type of reward benefit for making purchases with their card, whether it's points towards a catalog of items or cash back.
  • Clip Coupons.
    Don't just recycle those grocery flyers – take a look inside to see what is on sale. Sometimes you can find great deals on items that you buy regularly.
  • Be Flexible.
    Save money on taxes by enrolling in your company's Flexible Spending Account. You contribute through a pre-tax payroll deduction and then file a claim to be reimbursed for eligible expenses relating to medical care, dependent care, parking and transit.
  • Invest.
    Participate in your company's 401(k) plan. (Some companies even offer an employer match if you contribute to your plan!) Similar to a Flexible Spending Account, your contributions are deducted from your payroll prior to taxes so you also save money that way.
You might be interested in learning more about how we can help you save:

Find out about our Savings accounts

Earn rewards with our Visa Signature Cards

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*Perez, Maria. "10 Tips to Stop Spending and Start Saving." America Saves Week. N.p. unknown, n.d. January 2013.

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This article is based on information available in January 2013. It is for general informational purposes only. It is not intended to provide specific financial, investment, tax, legal, accounting, or other advice and should not be acted or relied upon without the advice of a professional advisor. A professional advisor will recommend action based on your personal circumstances and the most recent information available.