Establish Good Saving Habits

• Pay yourself first If you wait to see what's left over, you are less likely to save. Determine in advance how much money to deposit into a savings account each month. If you receive a raise, increase the amount of money deposited into your savings account.
  
  
• Take advantage of bank technology Consider automatic payroll deductions or automatic transfer from checking to savings. Arrange to have a specific amount transferred to your savings account every pay period.
  
  
• Pay your bills on time — and pay more than the minimum amount Although 96 percent of Americans pay their bills on time, some find themselves paying late fees. Alleviate the hassle by scheduling time to pay bills, and put them in the mail with enough time to get to the creditor.
  
  
• Determine needs versus wants Do you need to eat out every day for lunch? Do you need that gourmet cup of coffee in the morning? By bringing your lunch to work a couple days a week, you can save hundreds of dollars a year.
  
  
• Consider investments For long-term goals, such as saving for a home or retirement, look into bonds, mutual funds, real estate and stocks.
  
  
• Talk to us Our representatives are eager to answer your questions. Ask which package of bank products and services would best suit your needs.