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Financial Education

Money Matters

Tips to help you decrease the amount of money you spend:

  Carry only small amounts of cash in your wallet so you won't spend it.

  Use direct deposit. You will be less likely to spend money if it goes straight into your account.

  Control your use of credit cards.

  Don't go shopping just for fun.

  Take your written savings goals with you as a reminder.

  Buy only what you need�don't buy things just because they are on sale.

  Use coupons to save money.

  Use a grocery-shopping list to prevent impulse buying.

  Take your lunch to work instead of eating out.

  Shop around to get the best deal for big-ticket items like cars and appliances.

  Pay your bills on time to avoid late fees, extra finance charges, utilities being turned off, eviction, repossessions, and the costs of a bad credit rating.