Take Control for a Better Financial Future

By taking control, you can start your brighter financial future today.

Control Your Savings

  • Maintain an emergency fund of at least three months of living expenses.
  • Take advantage of automatic paycheck deductions and flex-spending plans.
  • Increase your 401(k) contributions every time you get a raise.

Control Your Spending

  • Never buy anything on impulse and comparison shop whenever possible.
  • Keep cash in your wallet to a minimum.
  • Eat at home and plan dinner menus in advance.
  • Ignore the temptation to keep up with the Joneses.
  • Don’t pay monthly service fees for your checking account.
  • Reconsider costly habits like smoking, coffee, fast-food and lottery tickets.
  • Don’t overspend on gifts.
  • Review all recurring expenses like insurance, subscriptions and memberships.

Control Your Accounts

  • Review your credit card/ account statements monthly.
  • Avoid the use of payday loans to cover temporary financial shortfalls.
  • Regularly check your credit report for errors, signs of fraud and identity theft.
  • Open your bills when you get them and pay them on time.
  • Read contracts before signing them.

Things to Remember

  • Create a budget that includes savings goals.
  • Admit your money mistakes and work to correct them.
  • Occasionally reward yourself.