{"id":1891,"date":"2021-09-10T14:00:52","date_gmt":"2021-09-10T18:00:52","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarea\/?p=1891"},"modified":"2022-06-15T13:41:18","modified_gmt":"2022-06-15T17:41:18","slug":"savings-tips-for-newbies-experts-and-everyone-in-between","status":"publish","type":"post","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/blog\/savings-tips-for-newbies-experts-and-everyone-in-between\/","title":{"rendered":"Savings Tips for Newbies, Experts and Everyone in Between"},"content":{"rendered":"\n<p>When it comes to saving money, this year may look a little different from years past. The savings rate is lower than its peak of about 34% in April 2020, but Americans are still saving more than they did before the pandemic. This is according to the U.S. Bureau of Economic Analysis, which defines savings as the amount left over after spending money and paying taxes.<\/p>\n\n\n\n<p>Unemployment is still elevated, however, and those who have lost income may be finding it more difficult to save. Either way, it\u2019s important to have a savings plan.<\/p>\n\n\n\n<p>Whether you are flush with cash, not sure how to save money or somewhere in between, here are the actions you can take now to maximize your savings:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.nerdwallet.com\/blog#unsure?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">Unsure how to save<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/blog#alittle?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">Saving a little at a time<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/blog#already?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">Already saving, ready to maximize<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Unsure how to save<\/strong><\/h3>\n\n\n\n<p>If you\u2019ve found it difficult to save money lately, try these tips to strengthen your bottom line:<\/p>\n\n\n\n<p><strong>Cancel high bank fees and other unnecessary expenses.<\/strong>&nbsp;\u201cBusinesses conduct financial audits for their expenses. Why not conduct a personal audit for yourself to cut spending?\u201d says Michael Foguth, founder of the financial advisory firm Foguth Financial Group in Brighton, Michigan.<\/p>\n\n\n\n<p>If you have a bank account that charges a monthly fee of $5, that adds up to $60 every year. Consider switching to a free account. There are options at many&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/best\/banking\/high-yield-online-savings-accounts?utm_campaign=ct_prod&amp;utm_content=1020916&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=jsaenzmcefcu-org\">top online banks<\/a>.<\/p>\n\n\n\n<p>Another example: Say you signed up for a streaming service at the start of the pandemic because you were mostly at home. But now, if you\u2019re not watching TV as much, you could cut the service to save money, Foguth says.<\/p>\n\n\n\n<p><strong>Weigh options to increase cash.<\/strong>&nbsp;Consider taking on part-time work \u2014 job growth is increasing and there has been pressure on employers to increase wages \u2014 or sell unused belongings to raise cash. For help with major expenses, such as rent and medical bills, reach out to community organizations. The government website&nbsp;<a href=\"http:\/\/usa.gov\/help-with-bills\" target=\"_blank\" rel=\"noreferrer noopener\">usa.gov\/help-with-bills<\/a>&nbsp;is a good place to find resources. Even temporary cash boosts could help you unload debt and give you room to create a savings plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Saving a little at a time<\/strong><\/h3>\n\n\n\n<p>Maybe you\u2019re able to save occasionally but would like to save more. If you\u2019re already putting the previous tips to use, try these action items:<\/p>\n\n\n\n<p><strong>Open a high-yield savings account.<\/strong>&nbsp;The average savings interest rate is a low 0.06% APY, but there are other accounts that pay many times more. With a&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/best\/banking\/savings-rates?utm_campaign=ct_prod&amp;utm_content=1020916&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=jsaenzmcefcu-org\">high-rate savings account<\/a>, your deposits earn more money while being safely parked in a federally backed bank account.<\/p>\n\n\n\n<p><strong>Set up auto transfers to savings.<\/strong>&nbsp;Move money from a checking account to savings before you get the chance to spend it \u2014 on each payday, for example. If you are able to transfer just $25 into savings every two weeks, you\u2019d stash $650 by this time next year.<\/p>\n\n\n\n<p><strong>Bank bonus money.<\/strong>&nbsp;Decide now to save any extra money you receive, such as a cash birthday gift, tax refund or stimulus money that you don\u2019t need immediately for expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Already saving, ready to maximize<\/strong><\/h3>\n\n\n\n<p>Already have a savings plan and looking for ways to make the most of your money? If you\u2019re using the previous tips, here\u2019s how to make your money work harder:<\/p>\n\n\n\n<p><strong>Reevaluate spending goals.<\/strong>&nbsp;You may have some of your savings earmarked for a big ticket item. But for some people, the pandemic redefined what was important to them. Before you cash out, consider whether your previous goals match your current needs.<\/p>\n\n\n\n<p>Economic conditions may also come into play. Alissa Johns, a real estate investor and small-business owner in Valparaiso, Indiana, and her husband originally set aside money to buy a new home in early 2021. But she says when they saw how tight housing inventory was and how construction prices were rising in the area, they chose to stay put.<\/p>\n\n\n\n<p>Instead of moving, \u201cwe decided to refinance our current home loan and vacant land loan for lower interest rates,\u201d Johns says. She adds that doing so allowed them to \u201cdecrease our monthly expenses and be able to put more money towards saving.\u201d<\/p>\n\n\n\n<p><strong>Maximize your emergency fund.<\/strong>&nbsp;Experts recommend having at least three to six months of savings set aside for emergencies. If you have some savings but haven\u2019t hit that mark, keep plugging away until you reach your goal. If your emergency fund is fully funded, you could focus on long-term financial goals.<\/p>\n\n\n\n<p><strong>Check out rewards accounts.<\/strong>&nbsp;Consider getting more value out of your spending by using checking accounts and credit cards that offer perks or promotional offers. The&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/best\/banking\/rewards-checking-accounts?utm_campaign=ct_prod&amp;utm_content=1020916&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=jsaenzmcefcu-org\">best rewards checking accounts<\/a>, for example, earn interest, offer cash back on spending and may even offer a one-time sign-up bonus.<\/p>\n\n\n\n<p>Top savings strategies may look different for people in different financial situations, but the most important step for anyone is to take action. Regardless of where you start, act now and you can put yourself in a position to increase savings this year and beyond.<\/p>\n\n\n\n<p><strong>More From NerdWallet<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.nerdwallet.com\/article\/banking\/google-walgreens-and-hr-block-want-to-be-your-bank?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">Google, Walgreens and H&amp;R Block Want to Be Your Bank<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/article\/banking\/banking-tools-can-help-boost-savings-while-paying-off-debt?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">Banking Tools Can Help Boost Savings While Paying Off Debt<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/article\/banking\/what-to-do-when-you-cant-open-a-bank-account?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=jsaenzmcefcu-org&amp;utm_content=1020916\">What to Do When You Can\u2019t Open a Bank Account<\/a><\/li><\/ul>\n\n\n\n<p>Margarette Burnette writes for NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette.<\/p>\n\n\n\n<p>The article Savings Tips for Newbies, Experts and Everyone in Between originally appeared on NerdWallet.<\/p>\n","protected":false},"excerpt":{"rendered":"When it comes to saving money, this year may look a little different from years past. The savings rate is lower than its peak of about 34% in April 2020, but Americans are still saving more than they did before the pandemic. This is according to the U.S. Bureau of Economic Analysis, which defines savings [&hellip;]","protected":false},"author":7,"featured_media":2796,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_excerpt":["Unemployment is still elevated, however, and those who have lost income may be finding it more difficult to save. Either way, it\u2019s important to have a savings plan."],"footnotes":""},"categories":[3,6],"tags":[27,32,22,20],"class_list":["post-1891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","category-quick-tips","tag-credit-cards","tag-invest","tag-money-market","tag-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Savings Tips for Newbies, Experts and Everyone in Between - SkyPoint Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Savings Tips for Newbies, Experts and Everyone in Between - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"When it comes to saving money, this year may look a little different from years past. 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