Managing your finances is a lifelong journey. You wouldn’t start a trip without directions. This list of financial wellness tips will help you enjoy the ride. 

1. Create a Budget

Find the right approach for you. There’s the 50/30/20 budget, the zero-balance budget, the pay-yourself-first budget. There are many different strategies out there. Read about popular options here.

Check your spending habits. You've got your goals, great! Time for a gut check. See where your money has been going, so you can take control of your financial destination.

Use automated services. From paying bills to building savings, let's limit the balance alerts. Set calendar reminders for when payments go out - so you can have funds ready.

2. Shop Smarter

Get your own groceries. Delivery adds up quickly, but don't shop on an empty stomach. Do your research ahead of time. Plan meals around seasonal produce. Look for coupons and sales online.

Pick your card carefully. Use your debit card for everyday shopping and save the credit card for bills, larger purchases, or unexpected expenses.

Remember your rewards. From loyalty programs to travel points, you can even earn your choice of cash rewards just for doing banking basics. Ask us about Kasasa®.

3. Pay Yourself Back

Open a dedicated account. Leaving all your money in one account makes it easy to overspend, and you'd be missing out on earning extra cash.

Split your direct deposit. With a one-time change, you can have a small portion of your paycheck sent to your savings account

4. Boost your Credit

Check your Credit Report. Every American is entitled to a free copy of their credit report from all three major credit bureaus.

Automate bill payments. Put the bots to work! The single best thing you can do for your credit is to pay bills on time, consistently, and in full. Set up recurring payments in online banking.

Piggyback off a family member's good credit. Your score can benefit by becoming an authorized user on an account of someone who has great credit-like your spouse or one of your parents.

5. Plan for the Future

Ask about 401(k) matching. If a 401(k) is one of your benefits, your employer may match a percentage of each contribution you make. Basically, free money.

Choose the right IRA for you. There are traditional and Roth IRAS. The big difference between them is when you get a tax break.

Start saving ASAP. Not only will you set more money aside, but you'll also earn more money if you get a high yield savings account. So, get started - even if it's just a little, and keep it up!

We’re here to help you on your journey to financial wellness. Reach out to us today!