Get Ready for the Savings Challenge: A New Year and a New You!

What’s the 30 Day Savings Challenge?
It’s simple:
1. Daily Tasks: Complete small savings tasks like packing a lunch or skipping a coffee run.
2. Track Progress: Use our free guide to keep up with your savings.
3. Celebrate Success: By the end of January, you’ll be surprised by how much you’ve saved!

Why Join?
Start the Year Right: Build great financial habits.
It’s Easy: Small changes = big results.
We’ve Got Your Back: We’re here to help you at anytime along the way.

Get Ready
Download the Guide: Savings Challenge Guide
Invite a Friend: Challenges are more fun together!
Mark Your Calendar: We start January 1st.
Let’s save together: Join the challenge sign up to get the 30-Day Savings Challenge emails and make 2025 your best financial year yet! Sign Up

30 Day Savings Challenge

Saving money doesn’t have to be complicated! This month, we’re focusing on small,
impactful changes you can make at home and in your daily routine to jumpstart your journey
to build your savings this month.

1. Adjust Your Thermostat: Lower or raise it by 2 degrees to save on heating or cooling costs.
2. Use a Coupon for Your Next Purchase: Check for discounts before shopping to save on
essentials.
3. Pack Your Lunch: Skip eating out and bring a homemade meal to save $10 or more.
4. Set a Savings Goal: Setting a specific goal, small or large, can make saving easier, especially if you can visualize what you’re saving for.
5. Batch Cook Meals: Cook in bulk to save time and reduce takeout temptations.
6. Switch to Reusable Items: Use reusable bottles, bags, and containers to cut disposable
costs.
7. Complete a No-Spend Day: Plan a day where you don’t spend a single dollar—use what you
have.
8. Skip the Coffee Shop: Brew your coffee at home and save $5–$10 per cup.
9. Turn Off All the Lights: Make it a habit to turn off lights in empty rooms to lower electricity
bills.
10. Walk Somewhere: Save gas or transit costs by walking to your destination.
11. Avoid ATM Fees: Use in-network ATMs or get cash back at stores to avoid unnecessary
charges. FIND FREE ATMS
12. Bring Snacks From Home: Skip vending machines or convenience stores by packing snacks.
13. Cancel Unused Subscriptions: Audit your streaming services or memberships and cancel
the ones you don’t use.
14. Shop Sales: Time your purchases around sales or discounts to get the best deals.
15. Plan Your Grocery List: Stick to a list to avoid impulse purchases and overspending.
16. Buy in Bulk: Save on non-perishables and household staples by buying in larger quantities.
17. Track Your Spending: Writing down all purchases can help you be more conscientious
about spending habits. This will let you become more mindful with future purchases.
18. Bring Your Own Coffee or Tea: Save money on-the-go by carrying your favorite drink in a
reusable mug.
19. Use Employer Perks: Check for employee discounts, wellness programs, or other benefits.
20. Make Weekly Loan Payments: Making your loan payments weekly instead of monthly will help you save money on interest and you’ll pay your loan off early! LEARN MORE
21. Plan a Free Activity Weekend: Explore parks, museums, or community events that don’t
cost a dime.
22. Borrow Instead of Buying: Need tools, books, or supplies? Borrow them from a friend or
library instead of buying new.
23. Use Reward Points: Redeem credit card or loyalty rewards for discounts, gift cards, or cashback.
24. Spend Loose Change: Collect spare coins and use them to make small purchases.
25. Negotiate Bills: Call service providers to ask for discounts or better rates.
26. Review Your Insurance Policies: Shop around for better rates on car, home, or renter’s
insurance.
27. Round-Up Savings: Open a Round-Up Savings account with your debit card that rounds up your purchases to the nearest dollar and saves the difference. OPEN A ROUND UP SAVINGS
28. Buy Generic Brands: Save on groceries and household items by choosing store brands
instead of name brands.
29. Sell Unused Items: Declutter your home and sell items you no longer need to earn extra
cash.
30. Set Up Automatic Savings: Transfer a set amount of money to save every pay day. With a Payroll Certificate you can earn a higher rate and your money is locked up so you’re not tempted to spend it! OPEN A PAYROLL CD

Let Us Help You Reach Your Goals

We’re here to help you take the next step in your financial journey. Reach out to your Relationship Advisor and talk about your financial goals. Here are just a few ways we can support you:

Savings Accounts: Saving for something special? Open a separate savings account to keep track of your savings!
OPEN AN ADDITIONAL ACCOUNT
Debt Consolidation Loans: Simplify and lower your monthly payments.
SCHEDULE A LOAN APPOINTMENT
Financial Counseling: Get personalized advice from our experts.
SCHEDULE AN APPOINTMENT

Ready to keep building your financial future? Contact us today to explore your options!

Not a member yet? Join Today