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Need help with how to spend wisely? Try these easy money management tips before you go shopping or make purchases.

Shopping Budget Tips

  • Check your account balance through Digital Banking (online and mobile), at the bank, or using your physical account register. Mobile carrier fees may apply.
  • Make a note of any upcoming scheduled payments, such as utility bills, and deduct what you think the estimated amount will be from your account balance.
  • Also deduct from your balance any amounts you may owe to others such as lunch money.
  • Always subtract a little extra from your mental account balance in case an unexpected expense should arise.
  • These practices will allow you to know how much you have available to spend before you head out the door on your shopping trip.

While Shopping

  • With your budget in mind, do periodic estimates of how much the items in your shopping cart might be totalling.
  • Once the cashier rings everything up, carefully look at the total amount.
  • If it’s more than what you have available to spend, try to put back a few things you don’t really need.
  • Once your purchase total aligns with your available-to-spend balance, you can confidently finalize the transaction knowing it won’t result in an overdrawn bank account.