Budget tweaks

We’re halfway through the year, so now is a good time to review your spending plan. Start with your financial goals. Even if your situation has changed since the start of the year, you can make any needed adjustments and keep working toward them.

Next, look at what you’ve spent over the last six months. If you notice categories where you consistently spend more or less than you budgeted, you can adjust them. Basing your spending plan on your real expenses gives you better information to make decisions.

If you’re looking for some extra room in your budget, here are some quick tips: 

• Try a Sunday newspaper. The coupons inside are usually worth more than the cost of the paper itself. If you have a friend or family who subscribes, see if they’ll give you the ads after they’ve looked through them.
• Keep your car running well. Poorly inflated tires and mechanical issues can cause your vehicle to burn gas more quickly. Lower your bill at the pump with proper maintenance.
• Create a shopping list – and stick to it. This can be especially useful if you notice yourself buying things because they’re on sale or shopping online to pass the time.

For more tips on how to save and budget your expenses or to talk about your individual financial situation, fill out the form below.