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Save Smarter: Better Budgeting

Setting goals for the New Year is easy.

The challenge is actually accomplishing them. If your New Year’s resolution is to save money, it is important to set goals that are SMART, to make them more realistic. The SMART method tells users to set their goals to be: Specific, 可衡量的, 可实现的, 有关, 和有时限的.

With any goal, if you set the bar too high, it’s easy to give up. But if you write down your goals and share them with others, you’re more likely to succeed. A great way to spend the first few months of 2020 is setting attainable financial goals and working to stay on track with them throughout the year. To help you get started, we’ve collected a few of our favorite savings tips from staff around 元素. How will you use these to reach your financial goals?

直接存款

当你拿到工资的时候, send a portion of your paycheck to a savings account immediately via direct deposit.

48小时规则

Before making any large or unusual purchases, wait two days to consider if it is necessary.

不花周末

Choose to do only free activities and eat food that you have already purchased for an entire weekend. Repeat this one weekend per month for the year. 

REASSIGN BILL DUE DATES

Many companies will let you reassign the due dates of your bills in order to better align with when you are paid. Make paying your bills your first priority!

带大钞

When you have large bills, you’re less likely to buy things you don’t need. It is more difficult to break $50 or $100 bills than it is to spend small amounts of cash.

退税

Plan ahead and commit to saving most of your tax refund in a dedicated account or emergency fund.

Get 更多的 From Your Money

HIGH INTEREST CHECKING

2.00 %1 With only 15 qualifying transactions per statement cycle

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This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.

Explore the 元素 移动银行应用

Our mobile app puts all of your accounts at your fingertips 24/7. We've even included 预算工具 within the app to help you manage your money like a pro.

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Banking the Way You Want It

移动银行应用

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Add our 卡控制程序

  • Added security for 元素 credit and debit cards
  • 卡锁技术
  • Card activity notifications
  1. 1 High Interest 检查 Account Annual Percentage Yield (年) effective as of December 1, 2021, is variable and may change after account is opened without notice. 年是2.00% on balances up to $20,000 and 0.10% on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, 检查, 账单支付, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05%的年. Fees may reduce earnings.