Your money deserves a reset. If your budget’s been on autopilot, now’s the time to take back control. As routines shift and the year picks up momentum, this is your chance to cut waste, drop bad habits, and make smarter moves. Here are 10 practical ways to spend better and save more:

1. Reevaluate Your Goals

Are your goals still aligned with where you are now? Whether you’re saving for a home, building a rainy-day fund, or paying off debt, adjusting your plan can help you stay on track.

2. Automate Your Savings

Set it and forget it. Use recurring transfers to move money to savings automatically, before you’re tempted to spend it.

3. Cut the Subscriptions That Sneak Up on You

Streaming you forgot about? Apps you don’t use? Gym membership gathering dust? Cancel what’s not serving you.

TIP: Scan your bank and card statements monthly. Spot anything you didn’t plan for? Cancel it and redirect that cash toward savings or goals.

4. Tackle High-Interest Debt

Debt with high interest quietly chips away at your finances. Focus on paying it down or consider consolidation to reduce your debt faster.

5. Negotiate Your Recurring Bills

Call your providers—phone, internet, insurance—and ask for a better rate. You’d be surprised what a simple call can save. If they won’t budge, shop around.

6. Shop Smarter

Impulse purchases add up. Use price comparison tools, cashback apps, and make a list before you buy. TIP: Want to stretch your grocery budget? Check out our tips to save more at the store.

7. Cut the Convenience Spending

Coffee runs and delivery fees seem small. Until they’re not. Brew at home. Pack lunch. Small swaps can lead to big gains.

8. Make Your Money Work Harder

Your savings should grow, not just sit. Consider a high-yield savings account or short-term share certificate to earn more on your money.

9. Invest in Yourself

Build a skill. Take a class. Start a side hustle. Investing in yourself today can open doors tomorrow—personally and financially.

10. Get Your Family on Board

Money habits stick better when everyone’s in. Make saving a team effort. Try a “Financial Bingo” card to gamify budgeting with your crew.

The Bottom Line

Resetting your finances doesn’t require a full overhaul. Just start with one or two of these tips and keep going. The more intentional you are today, the stronger your tomorrow. Want more helpful tools and insights? Visit our Financial Education Center and explore tools, tips, and resources to help you spend smarter, save more, and take control of your financial future.

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About Frontwave Credit Union

Frontwave Credit Union is the trusted financial partner of TrueCare, offering smarter banking, real savings, and expert financial coaching. Employees and patients enjoy no-fee checking, great rates, and exclusive member perks. With 1-on-1 coaching, 24/7 mobile banking, access to 5,000+ shared branches and 30,000+ fee-free ATMs, managing your money has never been easier. Learn more at www.frontwavecu.com.