In Focus – SCCCU Blog

Saving money does not look the same for everyone, and it does not have to be complicated to work. The easiest ways to save are often the ones that fit naturally into your routine and require little extra effort. The ideas below focus on simple habits you can use anytime.

1. Move Money to Savings First. When money hits your checking account, move a small amount into savings right away. Even a modest transfer helps keep that money from being spent without thinking.
2. Use Automatic Transfers. Set up recurring transfers from checking to savings. Even a small amount every month will build over time. Just be sure to select an amount that feels comfortable with your budget.
3. Open a Separate Savings Account. Keeping savings separate from everyday spending makes it easier to leave it alone. Some people use one account for emergencies and another for short-term goals. Check out our Holiday Club Savings Account and Super D'per Savings Account as they provide a quick and easy way to save money.
4. Put Extra Money Away Immediately. Tax refunds, bonuses, or cash gifts tend to disappear quickly. Moving part of that money into savings right away helps it stay available later.
5. Open a Short-Term Certificate of Deposit. If you have savings you don't need right away, a short-term certificate of deposit can help it earn more than a standard savings account. It can be a simple way to grow money without locking it away long-term. Check out our certificate of deposit rates here.
6. Cancel One Unused Subscription. Look through your monthly charges and cancel one service you no longer use. Then, redirect that money into a savings account instead.
7. Plan Fewer Store Trips. Extra trips often lead to extra spending. Planning ahead and sticking to a short list can help reduce impulse purchases. And if you open a Power Perks Checking Account, you'll find extra savings for everyday expenses available (find out more here).
8. Wait Before Buying Nonessentials. When something catches your eye, wait a day or two before buying it. Often, the urge passes, and the money stays in your account.
9. Set Spending Alerts. Account alerts can help you notice spending before it gets out of hand. A quick notification can prevent overdrafts and unnecessary fees.
10. Check In Briefly. Once a week or once a month, take a few minutes to look at your account balances. You're not auditing anything. You're just staying aware.

Keep It Simple

You do not need to do all of these at once. Pick one or two that feel easy and start there. Simple habits tend to last, and over time, they can make saving feel more natural.