Healthy Habits


18 Financial Tips for 2018

The start of a new year is the perfect time to adopt some healthy financial habits. Here are 18 ways you can get your finances fit in 2018.

  1. Automatically deposit a portion of your paycheck to your savings. Sign up for automatic deposit.
  2. Maintain a realistic budget for a mix of fun and fundamental expenses.
  3. Track your spending with online and mobile banking solutions.
  4. Make the most out of your money with interest-earning accounts, such as a Checking Plus or special savings.
  5. Take care of your credit by responsibly using credit cards and monitoring your credit score.
  6. Avoid impulse purchases by giving yourself a waiting window before buying. You may not wait it anymore.
  7. Leverage resources and tools, such as financial calculators, to help you make the best money decisions.
  8. Find a financial coach to get advice on all of your money matters. Learn more about our free financial coaches and set up an appointment today.
  9. Start saving for the long-term. PFCU offers IRAs and Certificates that can help you save more over time.
  10. Prioritize your financial goals. If you want to start saving more money, get rid of debt first. PFCU offers consolidation loans that combine all debt into a single loan for easier repayment.
  11. Use automatic bill pay to always pay bills on time.
  12. Eliminate balances quicker by paying more than the monthly minimum on your credit card or loan.
  13. Create specific savings goals to help you reach them, whether its form something small or significant. Open a You Name It Savings Account to get started.
  14. Pick up some past times, such as hiking, photography, or meditation, that help you unwind without your wallet.
  15. Live within your means. If you can’t afford something with cash, consider whether it’s in your best interest to buy.
  16. Start cooking more and eating out less. Making your own meals will save you money and some extra calories.
  17. Take advantage of available discounts, such as those for PFCU members, students, seniors, military members and more.
  18. Use your credit card rewards toward gift cards to your favorite places or save on travel, merchandise and more.

Bonus tips!

  • Shop for the best value by comparing prices and product features. The most inexpensive item isn’t always the best bang for your buck.
  • Create shopping lists when going to the store so you know exactly what you need. You’ll save time and money.

For more helpful money-management tips – set up a meeting with our certified Financial Coaches, contact us, or visit any PFCU location