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#CUSave2016

Hundreds of money-saving tips for you below!

  • improve-your-credit-score
  • close-vents-and-doors
  • Mother-daughter-emptying-dishwasher
  • insulate-your-hot-water-tank
  • choose-one-day-of-the-week-to-run-errands
  • Woman-at-ATM
  • caulk-windows-and-doors
  • use-a-gas-app
  • add-a-week-between-haircuts
  • check-out-the-library
  • recycle-envelopes
  • organize-carpools
  • make-your-own-coffee
  • choose-generic-drugs-when-possible
  • Facebook-events-page-invitation
  • matinee-showtimes
  • replace-faulty-gasket
  • get-library-books
  • credit-card-debt
  • compare-prices
  • free-museum-admission
  • bicycle
  • grocery-list
  • woman-exercising
  • grocery-store
  • wine-glasses
  • bananas
  • college-student
  • doctors
  • woman-washing-dishes
  • Apple-in-lunchbox
  • flowerbox
  • vase-on-table
  • head-of-lettuce
  • laundry-detergent
  • lightswitch
  • computer-charger-save-energy
  • woman-with-power-drill
  • Baby-in-pink
  • Baby-in-orange-tshirt
  • woman-at-computer
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  • computer-money-coupons
  • Cluttered-garage
  • bag-of-groceries
  • woman-with-credit-card
  • energy-saving-bulb
  • highway
  • Man-and-piggybank-in-water
  • slice-of-bread
  • woman-loading-dishwasher
  • bouquet-of-flowers
  • hand-on-ipad
  • Spice-rack
  • Man-and-woman-looking-at-laptop-screen
  • Woman-with-cheese
  • Women-looking-at-clothes
  • Happy-young-boy
  • man-changing-AC-filter
  • ceiling-fan
  • woman-with-grocery-basket
  • doctor
  • Dry-Clean-Only-Label
  • Woman-making-budget
  • car
  • Air-conditioning-unit
  • dryer-lint-screen
  • healthy-trail-mix
  • collection-of-loose-buttons
  • bread-pudding
  • woman-looking-at-tablet
  • Grilled-kabobs
  • hammer-and-wood
  • woman-at-store-checkout-counter
  • board-games
  • Airplane-wing-in-clouds
  • green-car
  • white-pills
  • tablet-computer
  • man-installing-insulation
  • impatient-man-behind-steering-wheel
  • Blue-gift
  • Car-full-of-people
  • HVAC-duct-work
  • green-grass
  • coffee-mug-on-table
  • power-button
  • air-vent
  • man-checking-car-engine
  • pink-haired-model
  • Man-pointing-to-savings-tip
  • woman-at-gym-class
  • woman-looking-at-grocery-jars
  • clothes-dryer
  • woman-at-laptop
  • Wall-Air-Conditioner
  • legs-sneakers-phone
  • bowl-of-blueberries
  • store-clothing-rack
  • bicycle
  • gift-card
  • Love-My-Credit-Union-logo
  • happy-baby
  • woman-in-medical-profession
  • window
  • box
  • car-key
  • refrigerator
  • Girl-laying-in-grass
  • omelet
  • groceries
  • Cleaning-rags-and-cleaners
  • toy-house-in-grass
  • Woman-on-phone
  • rubber-ducks-and-diaper-pile
  • Woman-working-with-blood-vials
  • vegetables
  • Cell-phone
  • Woman-in-yoga-plank-position
  • Happy-woman-with-car-keys
  • lottery-ticket
  • Woman-with-car-keys
  • Woman-thinking
  • man-on-airplane
  • bag-of-groceries
  • cash
  • woman-on-phone
  • Childs-artwork
  • suitcase
  • shopping-carts
  • Alert-road-sign
  • soap-bottle
  • Mother-with-baby
  • woman-texting-while-shoppig
  • two-men-negotiating
  • book
  • credit-card-computer
  • house-car
  • bed-and-window
  • hot-water-tank
  • sponges
  • money
  • Pile-of-cash
  • refrigerator
  • car-on-highway
  • dripping-faucet
  • toys
  • house-keys
  • can-of-paint
  • plastic-sheeting-for-windows
  • closeup-of-a-rug
  • Two-open-hands
  • hands-holding-piggy-bank
  • pennies
  • Pencil-and-calculator

see all CUsave tips on Instagram

Making small money-saving decisions each day can add up to big savings over the course of a year. Are you ready to see your savings grow? We have a year's worth of savings ideas and tips below. Start making change today!

Tip 366: Review your budget.

Is your plan still working for you? Make necessary adjustments to meet your financial goals.

Tip 365: Identify your most important financial goal for the coming year.

Create an emergency fund? Buy a home? Pay off debt? The first step to achieving your goal is to identify it. If saving money is part of your plan, consider the one-year CU Thrive savings plan with the rate that has people talking.

Tip 364: Keep the change.

It's tempting to drop a few cents in the cup by the register, but keep a cup in your car instead and watch how fast that loose change adds up.

Tip 363: Pay yourself first.

This is one of the most important money-saving tips of the year. Make your savings a priority. 

Tip 362: Set a date now to use your holiday gift cards.

An estimated $1 billion in gift cards will go unused this year! Plan to use yours before you forget. 

Tip 361: Take advantage of post holiday sales.

Look for deals on decorations, wrapping paper, toys.

Tip 360: Get the most from your charity dollars.

Research organizations on watchdog sites like charitywatch.org to make sure your dollars are being spent wisely. 

Tip 359: Insulate floors with area rugs.

For more energy-saving ideas, Massachusetts homeowners can schedule a free Mass Save home energy assessment.

Tip 358: Make your own gift wrap.

Use your imagination to decorate with brown paper bags, newspaper, magazines, recycle wrapping paper, and construction paper. Wrap with twine or yarn. Embellish with pine cones from the yard or cinnamon sticks from the pantry. Save on commercial wrapping paper and give the gift of your creativity. 

Tip 357: Downsize costly holiday traditions.

Start new and inexpensive traditions like caroling or reading a classic tale. Charming fun beats costly dinners out and a hit to your budget. 

Tip 356: Use a humidifier.

Because humidity makes the air feel warmer, you can lower your thermostat in the winter. Massachusetts residents interested in more ways to save around the home can schedule a free #MassSave home energy assessment. Learn more here.  

Tip 355: Take advantage of energy tax credits.

Heat pumps, air conditioning, water heaters and roofs are just a few of the purchases that may qualify. Visit energystar.gov for a list of qualifying purchases.

Tip 354: Insulate unused doors and windows with plastic sheeting. 

Tip 353: Consider misfit paints.

If color doesn't matter, these paints can save you big bucks on your home improvement project. If you are planning a larger renovation, you may find the money you need is under your roof. Learn more at hfcu.org/equity.

Tip 352: Consider home swapping for your next vacation.

Websites like homeexchange.com can help you find someone interested in a trade. Once the trip is booked, consider these tips for saving your travel dollars.

Tip 351: Report home upgrades to your insurance company.

You may get discounts for improved structure or security features.

Tip 350: Entertain BYOB-style.

What are your tips for saving money through the holidays? For more ways to save at #Christmas, check out these 25 tips.

Tip 349: Rent toys instead of buying them.

Kids outgrow toys quickly, so this may be a cost-cutting option to consider. Visit the many toy rental websites to weigh the pros and cons.

Tip 348: Fix a leaky faucet.

According to energy.gov, one drop per second adds up to 1,661 gallons a year. 

Tip 347: Think twice about rental car insurance.

You may already have coverage with your current auto insurance policy. Talk to a professional at Hanscom Insurance Agency LLC to learn more about matching insurance to your needs.

Tip 346: Clean refrigerator coils. 

Dirty coils can cause a refrigerator to work inefficiently. Massachusetts residents interested in running a more energy-efficient home can schedule a free Mass Save home energy assessment

Tip 345: Host a cookie party instead of a holiday dinner.

Create sweet savings. Then cook up a recipe to help you meet your 2017 financial goals. Start with the worksheets and tips in this budgeting eguide.

Tip 344: Adjust your tax withholding. 

Getting a tax refund means you've given the government an interest-free loan. Adjust your withholding so that you minimize overpayment. Learn more from the IRS.

Tip 343: Don't buy extended warranties.

Instead, buy reliable products and maintain them, recommends Consumer Reports. Read the article here.

Tip 342: Make your own cleaning solution.

Good Housekeeping offers 9 recipes for inexpensive cleaners that you can make at home.

Tip 341: Send e-cards.

Are you still sending cards in the mail? Make the e-switch. Upload photos and write a heartfelt message. Save on cards and stamps. For more ways to save this holiday season, read these 25 tips.

Tip 340: Host holiday guests for lunch instead of dinner.

How will you be saving money through the holidays? Click here for more ways to save at the holidays.

Tip 339: Flush your hot water tank.

Get the gunk out. This helps to prolong the life of the tank and reduce needed repairs. Read this blog to find out more about it.

Tip 338: Repurpose bed sheets. 

Use decorative sheets as an affordable alternative to curtains, pillow covers, shower curtains and more! How did you save money today?

Tip 337: Investigate same-company insurance discounts.

Some insurers offers discounts for multiple policies. For help deciding on the best policies for your circumstance, contact Hanscom Insurance Agency LLC.

Tip 336: Coupon your time as a gift.

For other ways to keep your holiday spending in check, download our free Holiday Spending Guide.

Tip 335: Choose the right credit card.

All cards are not created equal. Compare interest rates, rewards, fees. Learn more here about matching a card to your needs.

Tip 334: Organize a children's book swap.

This no-cost gift idea benefits everyone involved.

Tip 333: Make time for rebates.

Don't leave money on the table this holiday shopping season. Block off time on your calendar to search for and apply for rebates. To keep your budget on track this holiday season, download the free Holiday Spending Guide.

Tip 332: Get 3 estimates.

When hiring a professional service or contractor, know what the going rate is. 

Tip 331: Know your price before you shop.

Write down the top price you are willing to spend on an item before you hit the store. Keep to your budget. If you still feel like you are frittering away your money, try the Fritter Finder Challenge.

Tip 330: Keep baby supplies in the car.

Avoid a pricey emergency stop. 

Tip 329: Fly on a holiday. 

According to Hopper Research, Christmas Eve, Christmas Day, and New Year's Eve offer some of the cheapest holiday airfares. The next best options are Tuesday, December 20, and Thursday, January 5. For 5 top options to manage your money while traveling, read Money Tips for Travel

Tip 328: Make a gift list before holiday shopping.


Tip 327: Frame personal photos. 

Create affordable gifts or update the look of a room with treasured photos in inexpensive frames. Click here for more ways to keep money from ruining your holiday.

Tip 326: Plan a "Secret Santa" family gift exchange. 

Instead of buying holiday gifts for the entire family, everyone draws a name of someone to gift. Set a price limit to keep the budget in line. For more ways to save this holiday season, read these 25 tips.

Tip 325: Use timers for your holiday lights.

This keeps your electric use under control.

Tip 324: Decorate with nature.

A hike in the woods can yield some beautiful holiday decor. Click here for more ways to save on holiday decorating.

Tip 323: Stick to beer and wine if serving alcohol for the holidays.

Spirits can quickly add to the bottom line. For more ways to save this holiday season, read these 25 tips.

Tip 322: Make your own hand wash.

Fill a pump bottle with a 1-to-1 mixture of shampoo and water. Save the cost of commercial brands.

Tip 321: Update your auto insurance. 

Lifestyle changes such as a move, change in your commute, or new household status could be key to saving money. For help with a new policy, the good folks at Hanscom Insurance Agency LLC can answer your questions. 

Tip 320: Accept help for the holiday meal.

When guests ask what they can bring, have an answer.

Tip 319: Eat off smaller dinner plates.

Trim your food budget and your waistline! To trim expenses and get your finances in shape, start with our free Build a Budget eGuide. It includes tips and worksheets to help you make a plan! 

Tip 318: Travel light.

Stick to a carry-on bag when flying to avoid baggage fees. For 5 ways to manage your money while traveling, read Money Tips for Travel

Tip 317: Rearrange your furniture.

Create a new interior design at no cost. As a member of Hanscom FCU, get no-cost tips to redesign your credit score with a free credit score review. Learn more at hfcu.org/score.

Tip 316: Repurpose old clothes.

Before you toss, think about recycling. For example, if you are handy, make souvenir pillows from old t-shirts or a denim skirt from jeans. If not, maybe cut old t-shirts into dust or dish rags. Saving you money, one tip at a time: cusave.org

Tip 315: Enjoy free admission to our national parks on Veterans Day.

For information, visit nps.gov

Tip 314: Set up account alerts.

Avoid overdraft fees by setting up an account alert when your balance goes below your comfort level. Learn more about setting up alerts here

Tip 313: Fly on Thanksgiving Day.

Ask Mom to hold dinner or enjoy the holiday meal on Friday. For 5 ways to manage your money while traveling, read Money Tips for Travel

Tip 312: Put your holiday menu on a diet.

Reduce the foods you serve to those that are enjoyed. There is no need to make Aunt Flo's Famous Fruit Cake if no one eats it. Read about 25 more ways to save at the holidays


Tip 311: Celebrate gift-free. 

Make a pact now with willing loved ones to go gift-free this holiday season. Plan a group activity instead. Read about 25 more ways to save at the holidays

Tip 310: Buy in bulk.

Stock up when non-perishable favorites are on sale. To bulk up your savings, consider a one-year CU Thrive savings plan. Look at this rate!
 
Tip 309: Avoid excess baggage fees.

Weigh your luggage before you go to the airport. Lighten the load while you can. For 5 ways to manage your money while traveling, read Money Tips for Travel

Tip 308: Frame your children's artwork.

When decorating, skip pricey art and opt for homemade treasures. To help your children form a sound financial future, have The Money Talk.

Tip 307: Sanitize your kitchen sponge.

Extend the life of your sponge by tossing it in the dishwasher to sanitize. Read through the list below for hundreds more tips! CUSave.org is one of the largest collections of money-saving tips on the Internet! 

Tip 306: Think twice before submitting an insurance claim.

It may cost you more in future premiums. To learn more about the right type of insurance for your needs, visit Hanscom Insurance Agency LLC.

Tip 305: Pay with cash.

This helps to prevent mindless spending. If you want to find where you are frittering away your money, try the Fritter Finder Challenge!

Tip 304: Plan meals around grocery store sales.

This takes a bite out of your budget! To cook up a budget that meets your finanial goals, start with our free Build a Budget eGuide.

Tip 303: Pack flight food.

Avoid the soaring prices of airport and in-flight snacks. For more ways to keep your spending grounded, create a budget that meets your financial goals. Start with our free Build a Budget eGuide. It includes tips and worksheets to help you plan. 

Tip 302: Assess your part-time job. 

Add up commuting, clothing, and childcare costs to see if your part-time job is bringing you the extra income you are expecting. To help you put pencil to paper on your expenses, use our free Money Management Planner. It provides tips and worksheets to help you keep your personal finances in balance. 

Tip 301: Update your décor with inexpensive pillows.

Skip the new furniture and fancy bedding. Instead, invest in the one-year CU Thrive savings plan. It comes with a stylish interest rate!

Tip 300: Ditch the paper towels.

Clean with rags, dry with dish towels. To clean up your budget in other ways, start with a free download of our Build a Budget eGuide. It includes worksheets and tips to tidy up your spending. 


Tip 299: Assess your auto insurance payment options.

For example, you may save money by switching from a quarterly to semi-annual payment. If you would like to consider other money-saving insurance options, visit Hanscom Insurance Agency LLC.

Tip 298: Cut back on lottery tickets.

According to a CNN report, Americans spend over $70 billion each year on lottery tickets. A better bet is to put your money into a savings plan that offers a great interest rate, like the one-year CU Thrive account. 

Tip 297: Use video chat to visit friends and family.

Save on phone and travel costs, especially at the holidays. To keep holiday spending under control this year, start with our free Holiday Spending Guide
 
Tip 296: Cook large meals and freeze leftovers.

Save time and money! This works especially well with sauces, soups and stews. To cook up a satisfying savings, start now on our one-year CU Thrive savings plan!

Tip 295: Take advantage of school discounts on children's books.

These make affordable holiday gifts! 'Tis the season to start thinking about holiday spending. To keep yours under control this year, download our free Holiday Spending Guide.

Tip 294: Volunteer.

Contribute to your favorite museum, theater or sports team as a volunteer. Many organizations offer discounted or no admission for volunteers. 

Tip 293: Use motion detectors for lighting.

Consider basement, garage area and outdoor lighting. This helps to reduce unnecessary electric use. For more ways to save around the house, schedule a free home energy assessment. Learn more.

Tip 292: Steer clear of airport rentals. 

Find a car rental location that is not at the airport to save on costly airport taxes and fees. For other ways to save on your ride, read 30 Ways to Save at the Pump.

Tip 291: Work close to home.

Long commutes are costly. Is it time to look for a job closer to home? 

Tip 290: Drink tap.

The switch from bottled water could save you hundreds of dollars a year. Invest your savings in a one-year CU Thrive account for a healthy return. Look at this rate!

Tip 289: Use cool water in the washer.

Make the switch from hot as often as you can. For more ways to save in your home, schedule a professional home energy assessment. Mass Save offers the service free to Massachusetts homeowners.

Tip 288: Commit to healthy living.

Wise eating, regular exercise and good sleep can help reduce the cost of doctor visits and missed work. For a plan to keep your finances fit, download our Build a Budget eGuide. It includes worksheets and tips.

Tip 287: Switch to LED lights this holiday season.

According to Energy.gov, LED lights use at least 75% less energy, and last 25 times longer, than incandescent lighting. For more ways to keep your holiday expenses under control this year, download our free Holiday Budget Spending Guide.

Tip 286: Inspect your heating system.

Get a professional inspection to extend the life of your heater and its efficiency. For more ways to save around your home, schedule a free Mass Save Home Energy Assessment

Tip 285: Trade expensive date ideas for volunteer opportunities.

It's a win for the community, you and your wallet! 

Tip 284: Sell your stuff.

Help the extra money you make grow by investing in a one-year CU Thrive savings plan. Look at this rate

Tip 283: Evaluate your cell phone costs.

Are you paying for more service than you use? Find a plan that meets your needs. To reduce other unnecessary spending, build a budget that meets your financial goals. Start with our free worksheets and guide

Tip 282: Cook from scratch.

Buying prepared meals will take a bite out of your budget. Keeping your budget intact starts with making a realistic plan. We have free worksheets and a guide to help you.

Tip 281: Consider colleges in other countries.

Tuition is often lower, and you get the additional education of living abroad. For more savings, check out these student discounts and deals.

Tip 280: Organize a Halloween costume swap.

If your current savings plan is haunting you, consider our CU Thrive one-year plan! You'll scream when you see the rate! What a treat! 

Tip 279: Compare prices on lab tests. 

Prices for lab work can vary greatly between healthcare facilities. For ideas to keep your finances healthy, follow the Hanscom FCU blog.

Tip 278: Take a vacation from spending.

How many days can you go? Two? Three? Dine in, take walks with friends, avoid Internet shopping. The downtime is great for creating a budget to meet your financial goals. Get started by downloading our free budget guide. It includes worksheets and tips to make your plan work.

Tip 277: Shop online for diaper deals. 

Beat store prices with websites like Diapers.com and Amazon.com's Amazon Family program. Learn more at go.hfcu.org/blog/diapers

Tip 276: Make a meal plan.

Map out your meals once a week. Include leftovers and existing pantry items. This will reduce the urge to eat out and save money on impulse grocery buys. The next step is to stick to your budget. To create a budget that meets your financial goals, download our Build a Budget guide!

Tip 275: Make a date to ask for discounts.

Your good payment record is worth something. Try to negotiate discounts on interest rates and services. Another way to pocket extra cash is our Refer a Friend program. Find out how you and a friend can each get $30!

Tip 274: Agree to the stopover. 

When shopping for airline travel, consider indirect flights. You can often land a good deal by adding a stopover. Once the flight is booked, consider these tips for saving your travel dollars.

Tip 273: Host a movie night.

Beat the high cost of a movie theater with a rental and some home-cooked popcorn. To keep track of entertainment spending, build a budget to meet your financial goals. Get started by downloading our Build a Budget guide.

Tip 272: Raise your insurance deductibles.

Make sure you have enough savings to cover the deductible and you may be able to lower the payments you make for coverage. Hanscom Insurance Agency LLC can help you find the best policy to meet your needs.
 
Tip 271: Clean your gutters.

Avoid costly repairs or damage caused by clogged downspouts. If it's time to make repairs or replace gutters, your home equity could help. Learn more about tapping into home equity with our free new-edition download Equity Edge eGuide.

Tip 270: Spray the cloth. 

Save money on cleaning solutions by spraying the cloth and not the surface. This limits the amount of cleaning solution to what is needed. For more money-saving tips, follow #CUSave2016 and cusave.org. We have one of the largest collections of tips on the Internet!
 
Tip 269: Keep track of your spending.

Use a budgeting app or write it down. This is the first step to getting control of your budget. Download our Build a Budget eBook for worksheets and tips on creating a financial plan to meet your goals.

Tip 268: Refer a friend to Hanscom FCU and you both get $30!

Find details of promotion at hfcu.org/refer! 

Tip 267: Enjoy free admission to our national parks on Saturday, September 24.

As part of the 100th birthday of the National Park Service, free admission will be offered on 16 days in 2016, including National Public Lands Day on September 24. Learn more at nps.gov

Tip 266: Enjoy free museum admissions for two on September 24.

Offer is part of Smithsonian Magazine's annual Museum Day Live! Visit smithsonianmag.com to find participating museums and print free passes.

Tip 265: Organize a toy swap.

The holidays are coming! Save money on toys by swapping new and gently used items with friends and family. For more ways to keep your holiday spending in check this year, download this free Holiday Spending eGuide. It includes tips and templates to help you keep your budget on track. 

Tip 264: Shop online for groceries.

Save big by avoiding impulse buys and taking time to compare prices. Track your savings by keeping a budget. To get started, download our free Build-a-Budget eBook. It has worksheets and tips for building a plan to meet your financial goals.

Tip 263: Negotiate your work hours. 

Shifting your schedule to avoid heavy traffic can save you time and fuel expenses. For more ways to save on the commute, read 30 Ways to Save at the Pump. 

Tip 262: Learn to love leftovers. 

Save big by re-purposing food. Toss dinner extras into omelet and quiche recipes, for example. For more ways to save at mealtime, click here for lunch ideas that won't bite into your budget.

Tip 261: Organize a babysitting co-op.

Save on childcare costs by taking turns to watch the kids. Have you just discovered cusave.org? Look around! We have one of the largest collections of money-saving tips on the Internet!

Tip 260: Travel off-season.

With the kids back in school and summer over, enjoy savings and smaller crowds. Click here for tips on safely handling your finances while you're on the road.

Tip 259: Don't pay for music.

Look into free streaming services like Spotify and Pandora. To fully understand the money you have for entertainment expenses, take time to make a budget that works for your financial goals. Download our free Build-a-Budget eGuide for worksheets to get you started.

Tip 258: Raid your freezer when meal planning.

Use what you have before spending on more. After you make the grocery list, plan some time to make a budget to help you reach your financial goals. Download our free Build a Budget eGuide for worksheets to get started.
 
Tip 257: Ride public transportation.

Monthly savings can be hundreds over using your car. Then, build a new budget to reflect your savings. Our Build-a-Budget eBook can help. Get your free download now. 

Tip 256: Invest in a quality blanket.

Cooler weather is almost here. This winter, nudge your thermostat down at night while staying warm in bed. Learn more about buying blankets here

Tip 255: Rethink your car.

Is it time to downsize, find something more fuel efficient, refinance, or go without? We can help.

Tip 254: Recycle boxes.

Are you planning a move? Rather than pay for boxes, spread the word to friends and family to save online shopping boxes. Once you get into your new digs, take a minute to change your address with your credit union.

Tip 253: Shop around for homeowners' insurance.

When was the last time you reviewed your policy? Hanscom Insurance Agency can help you find options.

Tip: 252: Consider a flexible spending account.

This is an arrangement you set up through your employer to pay for many of your out-of-pocket medical expenses with tax-free dollars. Learn more from your employer or visit healthcare.gov

Tip 251: Switch to cloth diapers.

This can help save a -- er, um -- load on the bottom line. Click here for more ways to save on diapers.

Tip 250: Take advantage of credit union member savings.

Visit lovemycreditunion.org to see the many deals.

Tip 249: Sign up for restaurant rewards programs. 

If you're a regular, rewards can add up quickly! Download your favorite restaurant app and look for coupons, discounts and freebies. 

Tip 248: Look for clearance deals at nurseries. 

September is a good time to find pruned prices on shrubs and trees. There is still time to establish new plants before the ground freezes for winter. 

Tip 247: Sell unwanted gift cards.

You might not get 100% of a card's value, but you may get a good portion of it from reputable card-buying websites like cardpool.com or giftcardgranny.com

Tip 246: Bike it. 

Pump up your savings by switching from your car to your bike whenever you can. Steer your extra money into a CU Thrive savings plan to take advantage of this competitive rate.

Tip 245: Review rewards program memberships.

Periodically check your point totals and reward offers on credit cards, airlines and other incentive programs. Programs like Hanscom FCU Platinum Rewards can help you save on future travel, goods or services. 

Tip 244: Opt for store brand.

Look for comparable ingredients. It could save you big. To keep your savings going, build a budget that will help you reach your financial goals. We can help! Download this free guide (with worksheets)!

Tip 243: Shop end-of-season sales.

Stock up for next summer by shopping today's clearance racks. To maximize your savings throughout the year, build a budget that will help you reach your financial goals. Download this free guide to get started.


Tip 242: Save what you spend on non-essentials.
Challenge yourself to spend only if you can save the same amount. Consider tucking that extra money into a one-year CU Thrive savings plan. Look at the interest rate!


Tip 241: Shop savings account rates.
Is it time to update your plan?


Tip 240: Plant large leafy trees on the east, west and northwest sides of your home.
ArborDay.org reports this could lead to a summer AC savings up of to 35%.


Tip 239: Opt for frozen fruit over fresh.
You get the same nutrition at a lower cost. Then, freeze excessive spending by making a budget that helps you meet your goals. Download this free budget guide to get started!


Tip 238: Use free fitness apps.
They are portable, offer a variety of sports, and cost nothing. Take the money you save on a gym membership and put it into our one-year CU Thrive plan and get financially fit!


Tip 237: Enjoy free admission to our national parks.
In celebration of its 100th birthday, the National Park Service is offering free admission August 25 to 28, 2016. Learn more at nps.gov.


Tip 236: Plug air leaks around window and wall AC units.
It could save you up to 7% on cooling. Learn more about this simple home repair in this document from the U.S. Department of Energy.


Tip 235: Plan your move for the off season.
Moving companies often offer discounts during their off season, generally considered to be between September and May. Move the money you save into a one-year CU Thrive plan and watch your savings grow!


Tip 234: Create a community Facebook page that friends and neighbors can use as a "trading post."
You may be able to find a deal on gently used clothes, toys and furniture.


Tip 233: Take advantage of free college events.
Save on your social life! Many campuses offer movies, gyms, concerts, and clubs at no additional charge. The savings will help you stick to a budget. Download our free Build-a-Budget guide to get started.


Tip 232: Avoid using electric during peak hours.
Check with your provider to find out when rates are lowest. For more energy-efficient savings tips, consider a professional home energy assessment. Massachusetts residents can schedule an evaluation at no charge. Learn more here.


Tip 231: Choose cotton sheets for summer heat.
Beat the heat and cut back on the AC. For other ways to save money on energy costs, schedule a free Mass Save home energy assessment.


Tip 230: Shop the grocery store clearance rack.
You may find same-day expirations dates on items you can use now. Tuck your extra savings into our one-year CU Thrive plan for a great rate. Look!


Tip 229: Try free gym classes.
Many health clubs offer free passes to sample classes. You not only get a workout, but you get to try new activities. Take advantage of our set-it-and-forget-it one year CU Thrive savings program so that you can spend your time enjoying a new class!


Tip 228: Organize your tools.
Keeping things in order will prevent you from buying duplicates. Organize your money with a useful and orderly budget! Use our free guide and templates to start.


Tip 227: Take advantage of corporate discounts.
Ask if your employer offers deals. Follow #CUSave2016 on Twitter, Facebook and Instagram for daily savings tips!


Tip 226: Insulate pipes.
Inexpensive insulation can help keep water hot as it travels through the pipes, and it can prevent freezing in winter. To heat up your savings, try a one-year CU Thrive savings plan. Look at this rate!


Tip 225: About about discount haircuts at beauty schools.
Many offer free or discounted service with student stylists. To trim your spending, take time to style your budget. We have a free guide to get you started.


Tip 224: Keep your car engine in tune.
Increase gas mileage by an average of 4%. For more ways to save on your commute, read 30 Ways to Save at the Pump.


Tip 223: Unblock air vents.
Furniture, clothes, books and other items blocking vents can cost you. According to energystar.gov, it can take as much as 25% more energy to pump air into a space if the vents are blocked. If you live in Massachusetts, take advantage of the free Mass Save Home Energy Assessment to find more ways to save energy and money. If you live outside of the Massachusetts, find out if you have a similar program where you live.


Tip 222: Buy or rent used college textbooks.
Websites, social media, peers are places to start. Click here to learn four ways to ace your finances in college.


Tip 221: Stick to the school's supplies list.
Resist the temptation to buy unnecessary extras. Find more back-to-school savings tips here.


Tip 220: Shop at home for school supplies.
Raid your cabinets for gently used pencils, markers, paper and more. Find our tips for saving on kids' clothes here.


Tip 219: Stock up on drinks for your dorm room.
Buy in bulk now to avoid the high cost of vending machines and convenience stores later. Click here to learn four ways to ace your finances in college.


Tip 218: Organize a back-to-school clothing swap.
Trade gently used children's clothes to help save on your back-to-school budget. Start the school year with a fresh budget by downloading these free budget worksheets.


Tip 217: Download price comparison apps.
Compare prices, find coupons, see reviews. Then, compare your expenses to build a budget for your needs. Our free template includes tips and worksheets to help you create a strong plan.


Tip 216: Buy secondhand sports equipment,
especially for growing kids with changing interests. To really kick up your savings, try our one-year CU Thrive program!


Tip 215: Shop around for your class ring.
Discount retailers, such as Walmart, carry them. With a little bit of homework, you can save money on back-to-school. Read on for four ways to ace your college finances this fall.


Tip 214: Install low-flow showerheads.
Flood your savings account with the money you save on your water bill! Soak in this rate on our one-year CU Thrive account!


Tip 213: Save your store savings.
Check your receipts each day and note how much you've saved. Use that amount to "pay" your savings account! For a great return on your savings, look at this rate in our one-year CU Thrive plan!


Tip 212: Research your travel destination.
Look online for attraction discounts, surcharge-free ATM locations, and area grocery stores. Start with hfcu.org/locations to search the 100,000+ surcharge-free ATMs available to Hanscom FCU members!


Tip 211: Treat your lawn with mulch mowing.
The clippings hold in moisture and nutrients, saving you money on water and fertilizer. Follow #CUSave2016 on Twitter, Facebook and Instagram for daily savings tips!


Tip 210: Choose water as your drink when dining out.
Skip the pricey drinks and save big. To find other expenses that are frittering away your cash, download our free Fritter Finder!


Tip 209: Choose electronics that shut off automatically.
Save money and electricity. Put your energy into a one-year CU Thrive plan and watch your savings light up! Look a this rate!


Tip 208: Scoop your own sundae.
Enjoy dessert at home! You can buy a carton (or two!) of ice cream for the cost of most sundaes at your local ice cream shop. For more tips, follow #CUSave2016 on Twitter, Facebook and Instagram!


Tip 207: Decorate with paint.
Paint can make a dramatic difference in a room without the expense of new furnishings. If you are planning something bigger by using the equity in your home, do your homework first with our free Equity Edge eBook.


Tip 206: Save your raise.
Tuck the extra money into a savings account. Automate your savings into our one-year CU Thrive savings program and watch that investment grow.


Tip 205: Ditch the storage unit.
If you're paying to store your stuff, it's time to downsize. To downsize other expenses, start by creating a budget to meet your financial goals. Download our free Build-a-Budget eGuide.


Tip 204: Opt for casual dining.
It's easy on your budget and great for conversation. To build a budget for your needs, download our free template. It includes tips and worksheets to help you create a strong plan.


Tip 203: Aerate your lawn.
The process creates holes in compacted soil, making it easier to absorb and hold water. The result puts more green in your lawn and your wallet! Watch your savings grow, too, with our one-year CU Thrive plan! Look at this rate!


Tip 202: Buy school supplies online.
Start early to look for the best deals. Consider buying in bulk and splitting the haul with friends and neighbors. Read more back-to-school savings ideas here.


Tip 201: Inspect your roof.
Take advantage of the good summer weather to give it a once-over. This roof inspection checklist from Houselogic.com covers the basics.


Tip 200: Turn off your oven 5 minutes early.
Ovens hold heat long after you turn them off, giving you enough time to finish cooking while taking a bite off your energy bill. To cook up a savings plan to meet your goals, try our one-year CU Thrive recipe! Look at this rate!


Tip 199: Inspect your HVAC system.
Maintenance now can save big bucks on later repairs. If you live in Massachusetts, take advantage of the free Mass Save Home Energy Assessment to find more ways to save energy and money. If you live outside of the Massachusetts, find out if you have a similar program where you live.


Tip 198: Do not take your car to college.
Save on insurance, parking and gas. Plan to walk, bike or take public transportation. For more ways to save at school, check out these surprising student discounts and deals.


Tip 197: Block trackers.
Some companies use discriminatory pricing based on your Internet habits. Look for browser add-ons that stop or reduce tracking. To reduce your spending and track your money, make a budget you can live with. Download our free Build-A-Budget eGuide to get started. It includes tips and worksheets!


Tip 196: Organize a company carpool.
If no one at work lives near you, consider using a rideshare or carpool app. For more ways to save on your commute, click here for 30 Ways to Save at the Pump. To steer your budget in the right direction, download these free worksheets and eGuide.


Tip 195: Buy your kids' vacation souvenirs before traveling.
Present them during your travels. This helps you avoid the gift shop gimmes. Find bargains on toys and t-shirts online ahead of time. Would a vacation from your monthly payments help you this summer? Learn more about Hanscom FCU's Skip-a-Pay program.


Tip 194: Set a gift price limit within your family.
Use a price that everyone can afford. To stay within a budget, take time to create a strong one by downloading our free Build-a-Budget eGuide for worksheets and tips.


Tip 193: Look into becoming a Resident Advisor at your college.
Some schools offer free or reduced room and board fees. For more ways to save at school, check out these surprising student discounts and deals.


Tip 192: Set your mower's blade to its highest setting.
Higher grass preserves water longer. Grow your savings to a higher level with the competitive rate in our one-year CU Thrive plan!


Tip 191: Walk.
Challenge yourself to walk short distances instead of driving the car. Not only can you save on gas, but you can get in shape, too. Then, kick your savings up a notch with the money you pocket by investing in the one-year CU Thrive program! Check out this competitive rate!


Tip 190: Turn off ceiling fans in unused rooms.
They cool people, not rooms. For more energy-saving ideas, visit energy.gov. For ideas on how to make your home more energy efficient, schedule a free Mass Save Home Energy Assessment. Learn more here.


Tip 189: Sleep with an ice pack.
Before you crank the AC on a hot summer's night, fill a resealable plastic bag or hot water bottle with ice to help you cool off. To put your spending on ice, follow our daily money-saving tips at cusave.org!


Tip 188: Head outdoors for extended summer daylight.
Trade your electronics and air conditioning for a long walk or bike ride. Take advantage of our set-it-and-forget-it one year CU Thrive savings program so that you can spend your time enjoying a summer breeze.


Tip 187: Curb erratic driving habits.
It's killing your gas mileage, brake pads and budget. For more ways to save on your ride, read "30 Ways to Save at the Pump."


Tip 186: Pack food for your travels.
Save on expense of eating at road stops and airports. To save for your next big trip, consider our one-year CU Thrive plan. Look at this rate!


Tip 185: Add insulation to your attic and basement.
The EPA estimates an average household energy cost reduction of 11%. For more ways to save money and energy, consider a no-cost Mass Save home energy assessment.


Tip 184: Install money-saving browser extensions.
The add-ons can help you find better prices, coupons and cash back offers. To help you grow your savings, consider a one-year CU Thrive account. Look at this rate!


Tip 183: Search drugmaker websites for coupons.
Many brand name makers offer incentives. The prescription for an ailing credit score is a free credit score review from Hanscom FCU. Find more information at hfcu.org/score.


Tip 182: Look for free community entertainment.
Check local websites for free concerts, outdoor movies, library events, fairs and festivals in your area. Follow all of our money-saving tips at cusave.org. Then, build your personal budget with these free worksheets and eGuide.


Tip 181: Take your own portraits.
Skip the expensive senior portrait or annual family photo, and arrange time to take your own pictures. BONUS: You will have time to try various poses and locations. Ask a friend to help.


Tip 180: Shop around for auto insurance before your currently policy expires.
You may find a better price for comparable coverage. If you have questions or would like help, visit Hanscom Insurance.


Tip 179: Rock your garden.
Choose low-maintenance plants and rock gardens. Rock your savings and watch it grow with a one-year CU Thrive account.


Tip 178: Price alternative airports.
Consider all possible airports near your destination before scheduling your getaway. You may find an additional short drive to a neighboring airport can save you big on airfare. To save for your next big trip, consider our one-year CU Thrive plan. Look at this rate!


Tip 177: Host game night.
Skip the expensive night out and instead enjoy your favorite games at home. For winning tips on improving your credit score, schedule a credit review at hfcu.org/score!


Tip 176: Opt for minor league or college sports.
Enjoy your fan time without paying big league prices. Score big with your money by creating a budget you can live with. Click here for free eguide and worksheets.


Tip 175: Haggle.
A Consumer Reports survey found that 89% who try negotiating a price are rewarded at least once. Click here to see the report and find tips on how to negotiate a sales price.


Tip 174: Inspect your home.
Maintaining your home will save you money on costly repairs, and it will help you to build equity. To learn about tapping into your home equity, download this free Equity Edge eGuide.


Tip 173: Pay more than your minimum monthly balance.
Ideally, aim to pay off your credit card in full each month. If you can't, try to pay more than the minimum payment amount. Click here for a free eGuide on Do's and Don'ts of Credit Cards.


Tip 172: Choose kabobs for your summer barbecue.
Reduce the expense of larger cuts of meat or seafood by mixing in fresh produce. Lighten your calories and your budget! To lighten your financial planning, start with a budget that helps you meet your goals. Download our free Money Management Planner to get started. It includes worksheets and tips to help you customize your budget.


Tip 171: Shop at thrift stores.
Invite friends, explore the bargains. With all the money you save, you can set up shop with a one-year CU Thrive savings account. Look at this rate!


Tip 170: Slow your internet.
If you think you can handle a slower ride on the Information Highway, you might save a few dollars each month by switching to a slower speed. To move your savings into high gear, try our one-year CU Thrive plan.


Tip 169: Skip a day between shampoos.
According to WebMD, daily washing can strip your hair of its natural oils. Washing every 2 to 3 days is healthier for your hair and your wallet!


Tip 168: Skip the restaurant dessert.
It's a sweet treat that can quickly sour your budget. Go for the fritters instead! Try this free Fritter Finder to discover those little expenses that are frittering away your cash.


Tip 167: Freeze your gym membership for the summer.
Head outdoors to workout. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 166: Get a part-time job.
Just a few hours on the weekend will help build a savings. For a one-year savings plan with a great rate, learn more about our CU Thrive plan.


Tip 165: Keep healthy snacks in your car.
Avoid the temptation for fast food while you are driving. To steer your money in the right direction, use this map of instructions for building a budget. It includes worksheets and an eBook!


Tip 164: Repair clothes instead of replacing them.
Don't know how to sew a button or darn a sock? Buy a spool of thread, a needle and a pair of scissors. Then, search for tutorials on YouTube to see how easy it is to repair clothes. If you are hoping to repair your credit score, we can help! As a member of Hanscom FCU, you can review your credit score and report at no cost! We will also show you ways to improve your number!


Tip 163: Compost organic waste.
Save the expense of commercial yard mulch by making your own nutrient-rich compost. Use clean yard and food waste. Get started with these tips from the EPA.


Tip 162: Clean your dryer vent and lint screen.
Good maintenance prevents repairs and prolongs replacement. Follow our daily budget-boosting tips online at #CUSave2016. Then, create your personal budget plan with these free worksheets and eGuide.


Tip 161: Host a garden swap.
Too many tomatoes? Invite your gardening friends to swap and trade for some peppers! No garden? Click here for tips to get started.


Tip 160: Telecommute.
If you employer allows it, telecommuting can save you money on food, travel, and wardrobe. It's worth asking! Even if it's only one day a week or month, it can save you money. For an easy way to commute your income into a healthy savings, try the popular one-year CU Thrive plan. Did you see that rate? Wow.


Tip 159: Clear the area around your air conditioning unit.
This prolongs its life, saving you money on repairs and replacement. For more ways to save money, take time to create a financial plan to meet your needs. Start with our free Money Management Planner. It includes worksheets and tips to help you create your best financial future. 


Tip 158: Idle less.
Unnecessary idling could cost you up to 3 cents a minute. For more budget-boosting tips, check out these 30 ways to save at the pump.


Tip 157: Avoid midday watering.
The midday sun will quickly evaporate your efforts. Go for early morning and evening to reduce wasted water. Click here to see ways a home garden can save you money.


Tip 156: Give up soda for a month.
If you are used to one or two sodas a day, this could save you about $50! Take that savings and start yourself on a one-year CU Thrive savings plan. Learn more (and check out the rate!) at hfcu.org/thrive.


Tip 155: Make a budget.
We have a free eGuide with worksheets to get you started.


Tip 154: Buy tires online or at wholesale clubs.
For more savings, read 9 Ways to Roll Back the Cost of New Tires.


Tip 153: Create your own sand toys.
There are many alternatives for store-bought toys. Try laundry scoops, plastic food containers and sippy cups to build your sand castle! To build your savings, try our one-year CU Thrive plan. Wow, look at this rate!


Tip 152: Snack on homemade popcorn.
A $4 30-ounce jar will pop into about 120 cups of popcorn, making this whole-grain snack a healthy and cheap alternative to potato chips or crackers. Do you have a favorite way to make popcorn? Find creative popcorn recipes at popcorn.org.


Tip 151: Recycle bottles and cans.
In states with a bottle bill, get paid to recycle. Learn more at www.bottlebill.org.


Tip 150: Grill your meals.
Using the stove adds heat to the house, making your air conditioner work harder at your expense. Chill with the grill. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 149: Avoid "dry clean only" when shopping.
Choose fabrics you can wash yourself. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 148: Negotiate with your doctor.
Research the going rates for health procedures in your area using websites like healthcarebluebook.com. Talk to your doctor if you feel you are being overcharged.


Tip 147: Choose a grocery basket instead of a cart.
Reduce impulse buys. For more ways to save on food, create your own vegetable garden! Find ideas here.


Tip 146: Adjust ceiling fans.
To maximize the heating and cooling effects of air movement, a ceiling fan should move counter clockwise (as you look up at it) in the summer and clockwise in the winter. For other home improvement ideas that can save you money, read this.


Tip 145: Regularly change your air conditioner filter.
A dirty filter makes your system work harder, costing you money. For more energy-saving ideas, schedule a free Mass Save Home Energy Assessment. Here's what it's all about.


Tip 144: Hang laundry outside to dry.
Save on electricity expenses of running the clothes dryer. You get fresh clothes and fresh savings! To clean up your savings, invest in our popular one-year CU Thrive savings plan. Look at the rate! (This is where we say we won't leave you hanging and we won't leave you out to dry, but that would be too easy. Just like our CU Thrive plan!)


Tip 143: Shop with a time limit.
This is where a lunch hour comes in handy. How do you limit your shopping time? Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 142: Inquire about discounts for veterans.
Some of the most popular can be found here.


Tip 141: Opt out.
Reduce temptation. For information on reducing and removing unsolicited mailings, read these instructions from the Federal Trade Commission.


Tip 140: Give your kids a vacation allowance.
Decide an amount together before traveling. This keeps expenses in check and teaches budgeting skills. For more vacation tips to keep track of your money and reduce expenses, click here.


Tip 139: Print in black-and-white.
Save on pricey color inks. We make it easy for you to save on ink with Online Access to keep your personal finances in order. It is simple to set up. Learn more here.


Tip 138: Organize a fashion swap with friends.
Update your wardrobes without spending money. After you build a new wardrobe, it's time to build a new budget! Get worksheets and tips here.


Tip 137: Shop the grocery deli counter when traveling.
It can be a less costly alternative to highway restaurants. For more vacation tips to keep track of your money and reduce expenses, click here.


Tip 136: Adjust your college meal plan.
Keep track of your eating habits this summer. You may find that you don't need the most expensive meal package. Is it cheaper to buy boxed cereal and skip the breakfast plan? Keep track of your personal finances by building a budget for the new semester. Get started with these free worksheets and eGuide.


Tip 135: Buy in-season produce.
This provides variety and saves money on out-of-season fruits and vegetables. What's in season? The USDA offers this handy guide.


Tip 134: Avoid heavy traffic.
When possible, travel at off-peak times. The stop-and-go of rush hour can cost you big in gas consumption. For more budget-boosting tips, check out these 30 ways to save at the pump.


Tip 133: Assess your life insurance coverage.
As your responsibilities in life change, your insurance needs change, too. It might be time to downsize your policy. For answers to your insurance questions or a free, no-obligation quote, visit Hanscom Insurance Agency LLC.


Tip 132: Find the promo code.
If you see a promo code box when buying online, there is a good chance you will find an online discount. Search websites like couponcabin.com, groupon.com, coupons.com or retailmenot.com to look for codes. Do you know of other coupon websites? If you are a student, you can find more savings by using your student ID for these surprising deals and discounts.


Tip 131: Use dried herbs.
When a recipe calls for fresh herbs, replace the pricey ingredient. Dried herbs cost a fraction of fresh, and you only need to use 1/3 the amount. Do you think you can do it? With the money you save, you can cook up some tasty savings! Take a look at this popular one-year savings plan, CU Thrive. Hard to beat that interest rate!


Tip 130: Know your motor oil.
According to the US DOT, using the wrong grade in your car could lower your gas mileage by 1 to 2 percent. Click here for 30 Ways to Save at the Pump. To steer your budget in the right direction, download these free worksheets and eGuide.


Tip 129: Avoid packing items on top of your car.
According to a Consumer Reports study, a rooftop cargo carrier or bike rack can cut fuel economy by 5%. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 128: Take care of your teeth.
Fillings, crowns and root canals are expensive. The savings will give you something to smile about! Tuck your savings into a one-year CU Thrive plan and make out better than a nightly visit from the Tooth Fairy! Look at this rate!


Tip 127: Store shampoo in a pump bottle.
Limit yourself to one pump of shampoo per wash. Think you can do it? Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 126: Don't move what you don't use.
Why pay to move it if you don't use it? Moving is a great time to get rid of items you don't need. Moving is also a great time to open a free checking account at a credit union with over 100,000 surcharge-free ATMs nationwide! Hey, that would be Hanscom FCU! Welcome!


Tip 125: Stretch boxed pasta mixes.
Toss 1/3 cup of additional pasta into boxed mixes, like Hamburger Helper, to increase servings. To stretch your savings, find out why our CU Thrive one-year plan is so popular!


Tip 124: Compare pharmacy prices.
Because drug prices vary between pharmacies, you could end up saving big bucks. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 123: Consider summer school.
Taking an online or local course while home for the summer can help you graduate sooner and save money on tuition, room and board. For more ways to keep college debt in check, click here.


Tip 122: Choose in-season flowers.
For prom and wedding bouquets, keep it local. Locally available blooms will save you money over costly imports. Take the money you save and watch it grow with the one-year CU Thrive plan! Learn more at hfcu.org/thrive.


Tip 121: Delete credit card information from online stores.
This helps to remove the temptation for impulse buys. For more credit card tips, download our free Credit Card Do's and Don'ts eGuide.


Tip 120: Spend less than you make.
Download these free worksheets and eGuide to help you make a budget you can keep.


Tip 119: Use your car's air conditioner sparingly.
Air conditioning reduces fuel economy. To save even more on car expenses, consider refinancing your car. Learn more here.


Tip 118: Fill dishwasher completely before running it.
Save money on water and energy. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 117: Become a local tourist.
Make your vacation a staycation and save on travel and hotel expenses. Feel confident, too, that a surcharge-FREE ATM is nearby. Find your closest at hfcu.org/locations!


Tip 116: Dine out for lunch instead of dinner.
T
he savings can be substantial, especially when you travel. Before you hit the road, find your closest surcharge-FREE ATMs by putting your location into this interactive map. Your surcharge-FREE ATM network is one of the largest in the country!


Tip 115: Turn leftover bread into breadcrumbs.
Don't throw old bread away! Chop it in a food processor before freezing for future use. To save another kind of bread, we recommend the one-year CU Thrive savings plan. It's a win-win, save bread-save bread situation!


Tip 114: Use a power strip.
Many small appliances draw power when not in use. A power strip allows you to easily turn off the power supply and turn on the savings. For a bright return on your savings, try the popular one-year CU Thrive savings plan!


Tip 113: Pay your highest-rate debt first.
When paying down your debt, it pays to know your interest rates. It also pays to put a simple budget in place. We make it easy with these free worksheets and eGuide.


Tip 112: Use cruise control.
It improves your fuel economy. Take the money you save and accelerate your savings with the one-year CU Thrive plan! Learn more at hfcu.org/thrive.


Tip 111: Master the Navy Shower.
If you can brave it, you can save money on hot water. To keep your finances from taking a bath spend today making a budget. It is easy to put together with these free worksheets and eGuide.


Tip 110: Choose energy-saving bulbs.
With the money you save on your electric bill, you can light up your savings. Try the popular one-year CU Thrive plan.


Tip 109: Buy your running shoes online.
A recent survey reveals 86% of all running shoes are available at a discount online, including top brands such as Nike, Brooks, Asics and Adidas. To reach your financial finish line, put your money in the popular one-year CU Thrive savings plan. You will love the interest rate!


Tip 108: Pay credit cards in full each month.
High interest rates can ruin your budget. Download your free Credit Card Do's and Don'ts eGuide to get control of your credit card debt.


Tip 107: Make your holiday shopping list now.
With over six months until the holidays, you have time to shop for bargains and spend slowly. To help you stay organized, download our free Holiday Spending Guide!


Tip 106: Shop alone for groceries.
Leave picky roommates and relatives at home. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 105: Put a plastic bottle full of water in your toilet tank.
This saves water each time you flush. To keep from flushing away your money, fill your savings tank with the one-year CU Thrive plan!


Tip 104: Declutter.
Unnecessary stuff costs you in storage space, buying duplicates of things you can't find, and maintenance. To clean up your savings, try the popular one-year CU Thrive plan. Did you see that rate? Wow.


Tip 103: Search online for coupons.
Popular coupon websites include Coupons.com, FabulesslyFrugal.com, RedPlum.com, SavingWellSpendingLess.com and SmartSource.com. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 102: Avoid an impulse buy.
Give yourself 24 hours to think it over. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 101: Set up automatic bill payments.
No more late payments or late fees! Learn more about Hanscom FCU's Bill Pay here. If you have questions or need help, call us 24/7 at 800-656-4328.


Tip 100: Know your octane level.
Check your owner's manual. Most vehicles do not need premium gas. Click here for 30 Ways to Save at the Pump. To steer your budget in the right direction, download these free worksheets and eGuide.


Tip 99: Buy gender-neutral baby clothes, toys and gear.
Make it possible to reuse items for future siblings. Get your free Baby Budget Checklist to prepare your growing family's budget. To grow your savings, try the one-year CU Thrive savings plan.


Tip 98: Mulch.
It can save you money on frequent watering, bug repellent, fertilizer, weed killer.
Trim landscaping costs and then help your savings grow with the one-year CU Thrive plan!


Tip 97: Stop paying for PMI.
If you think you have at least 20% equity in your home, talk to your mortgage company about your options to drop private mortgage insurance. If you are thinking of a new home, visit our Mortgage Center for blogs, calculators, worksheets and rates.


Tip 96: Wash your car by hand.
Save the cost of a professional car wash while getting some fresh air and exercise. To save even more on your car, consider refinancing it. Read more here.


Tip 95: Take classes at a local community college.
After one or two years, transfer to a traditional 4-year college to finish your education. Get schooled on building a personal budget with these free worksheets and eGuide.


Tip 94: Pack an empty water bottle when you go to stadiums and amusement parks.
Save on expensive water bottles by taking your own and filling it at a water fountain. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 93: Make your own baby food.
It's healthy for your baby and your budget. Download this free Baby Budget Checklist to help you pull together expenses when budgeting for your growing family.


Tip 92: Start your garden with seeds or small plants.
Trim landscaping costs by choosing young plants and growing them yourself. Then help your savings grow with the one-year CU Thrive plan!


Tip 91: Don't speed.
Fueleconomy.gov reports that each 5 mph you drive over 50 mph is like paying an additional $0.14 per gallon for gas. Take the money you save and accelerate your savings with the one-year CU Thrive plan! Learn more at hfcu.org/thrive.


Tip 90: Do it yourself.
Before you pay for repairs, search online for possible DIY fix-it tips. For a do-it-yourself one-year savings plan, the fix is CU Thrive and its impressive rates.


Tip 89: Make your own all-natural skin scrub.
To save on expensive commercial beauty scrubs, mix equal amounts of honey and brown sugar. The honey provides anti-bacterial protection, the sugar creates a gentle exfoliant. Scrub and rinse. To make your savings shine, consider the one-year CU Thrive savings plan. You will love the interest rate!


Tip 88: Refinance your mortgage.
If you can save at least one percent off your current interest rate, it might be time. Get refinance information and current rates in our Mortgage Center.


Tip 87: Unplug when done charging.
Adapters plugged into outlets use energy even if they’re not charging. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 86: Fill your garden with perennials.
The beauty grows with no new investment each year. To grow your savings, plant your money in a one-year CU Thrive account and watch it blossom!


Tip 85: Turn off unused lights.
Remember when Mom used to tell you to turn out the lights when you leave a room? Save electricity, save money.


Tip 84: Empty your trunk.
The heavier your car, the more gas it takes to move it. Lighten your load, lighten your fuel consumption. For 29 more ways to save at the pump, click here.


Tip 83: Don't host your wedding on a Saturday.
Find more available vendors, negotiate better deals, and save money by holding your wedding on a less popular day. Your new life calls for a new budget! Sit down together and build your personal budget with these free worksheets and eGuide.


Tip 82: Pull the plug on TV service you don't use.
Monitor TV use for one month to determine if you are paying for service you don't use. Could you go without it? To turn on your savings, try the one-year CU Thrive program. For as little as $5 a month, you can start a new season of saving money!


Tip 81: Measure laundry detergent.
Measuring lines on caps and scoops differ by brand, and you may not need to fill your cup to the top. When was the last time you measured? If you feel like your savings is all washed up, look into this simple one-year CU Thrive program. The competitive interest rate will help you clean up!


Tip 80: Pack your own boxes when moving.
Save on professional packing services, purge things you no longer use. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 79: Replace pricey packaged salads with a head of lettuce.
Toss your savings into a one-year CU Thrive account and watch it grow!


Tip 78: Downsize.
Why pay for space you don't use? A smaller space can mean big savings. Start with these free worksheets and home buying eguide.


Tip 77: Drop unused newspaper and magazine subscriptions.
The real news is the money you will save. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 76: Cut cosmetic sponges in half.
Try this with cotton rounds and cotton balls, too! Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 75: Make your next dinner party a potluck.
Share the fun, save some money! Then, cook up a savings feast with the CU Thrive one-year savings plan. A just dessert!


Tip 74: Schedule an energy assessment of your home.
Discover ways to save your energy dollars. Learn more about a no-cost MassSave home energy assessment.


Tip 73: Pack your lunch.
According to a recent survey, two-thirds of Americans prefer to buy rather than bring their lunch – and spend a whopping $2,000 a year doing it! If you budget correctly, you can make lunch for a third of that cost.


Tip 72: Wash dishes by hand.
Save water and electricity used by a dishwasher. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 71: Closely examine medical bills.
Ask questions. According to Medical Billing Advocates of America, a consumer group that reviews medical bills, 80% of hospital bills contain errors. One of the biggest mistakes is double billing. Once your billing is in order, help your savings to a healthy level with our one-year CU Thrive savings plan. You'll be surprised at the interest rate!


Tip 70: Crack the oven door when finished baking.
Cool the oven while adding a little warmth to the room. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 69: Test out of college courses, save thousands.
To save more dollars, use your student ID for these surprising deals and discounts.


Tip 68: Peel and freeze aging bananas.
Save for smoothie and bread recipes. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 67: Choose BYOB restaurants to save on the bar tab.
Take the money you save and invest in the CU Thrive one-year savings plan. You'll be toasting the dividends!


Tip 66: Don't shop for food when you are hungry.
To avoid impulse buys, shop after eating a hearty meal. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 65: Refinance your car.
Click here to find out how you can refinance your auto and save big!


Tip 64: Print in draft mode, save on ink.
Take the savings and draft a one-year investment plan with Hanscom FCU's CU Thrive. Click here to see the interest rate and find out why this is such a popular savings option.


Tip 63: Cook low and slow.
A slow cooker uses only 100 watts of electricity, while the average oven uses between 1000 and 5000 watts. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 62: Drop an unused gym membership.
If that New Year's gym resolution just wasn't for you, drop the payments and head outdoors to exercise. Warmer weather is on the way! And keep your budget fit with this popular one-year savings plan: CU Thrive.


Tip 61: Stick to a list when food shopping.
Make a list before going to the store to reduce impulse buys and keep you on budget. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 60: Grow your own spices.
Fresh taste, low cost. With the money you save on packaged spices, you can grow your savings! Take a look at this popular one-year savings plan, CU Thrive.


Tip 59: Keep tires properly inflated.
The US Department of Energy estimates savings of up to 3.3% off your fuel costs by properly inflating your tires. To really drive your savings, consider the one-year CU Thrive savings plan. You will love the interest rate!


Tip 58: Use your student ID to find discounts.
The list of student discounts and deals may surprise you. Read "Surprising Student Discounts and Deals" on our blog. Then, graduate your savings to the next level with our one-year CU Thrive savings plan. You'll be surprised at the interest rate!


Tip 57: Place paper towel on salad greens when storing.
The paper towel absorbs excess moisture, helping your greens to stay fresher longer. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 56: Consider joining a Freecycle.org® group in your area.
This nonprofit organization helps its members exchange and recycle unused items. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 55: Save on expensive snack-size packaging by creating your own.
Use small baggies to create snack portions. For more tips and tricks, read these lunch ideas that don't take a bite out of your budget.


Tip 54: Seal electric outlets to reduce drafts and heat loss.
Find inexpensive outlet insulators at your home improvement store. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 53: Visit museums on free admission days.
Many museums offer a limited number of free admission hours each month. Check website before making plans. Find a list of free museum days in Boston here.


Tip 52: Compare unit prices when shopping.
Buying in bulk is not always the best deal. Do you use a calculator when you shop? Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 51: Transfer credit card debt onto a lower-interest card.
Make and stick to a realistic plan to pay it off. Learn more about Hanscom Federal Credit Union credit card balance transfers here. Today is the day to get your debt under control. You got this.


Tip 50: Rent tools that you do not use often.
You may find a better quality tool than you can afford to buy, helping you get the job done more efficiently. This saves time and money. Visit your home improvement store for more information. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 49: Get your books at the library.
It's hard to beat free. If your favorite title isn't currently on the shelves, ask if it can be transferred from another library. Find hard copies, audio books, ebooks and more. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 48: Replace a faulty refrigerator gasket.
A leaky seal means extra energy costs to you. Use a dollar bill to check for weaknesses in the gasket seal. Purchase repair kit at home improvement store. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 47: Launder shirts yourself.
Professional cleaning adds up. DIY can save you big bucks. And the hundreds of dollars you save this year? Jumpstart your savings with our popular CU Thrive account!


Tip 46: Stock up during post-holiday chocolate sales.
High-end chocolates often go on sale the day after Valentine’s Day, making now a great time to save on treats for Easter and Passover and other upcoming celebrations. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 45: Choose matinee showtimes.
The average prime time movie ticket is nearing $9 (source: boxofficemojo.com). Take in an afternoon show and shave a few dollars off that price. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 44: Create a Facebook events page for your next party.
It will help you organize your guest list, coordinate pot lucks, and save on the cost of invitations and phone calls. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 43: Collect seeds to plant in Spring.
Tuck your seeds into plastic baggies and put in freezer until ready to plant. A home garden saves money -- and provides fresh food. Read more about how a home garden can save you money. To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 42: Choose generic drugs when possible.
Talk to your doctor. The active ingredients are the same as their commercial counterparts, and the savings can be substantial. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 41: Plan now for a Spring yard sale.
You’ll be reducing clutter, helping to recycle, meeting people, and making money. For yard sale do's and don'ts, read this. And that money you save? Jumpstart your savings with our popular CU Thrive account!


Tip 40: Make your own coffee.
Each cup could save you over a dollar compared with ordering out. And, just curious, how many cups a day would that be for you? Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 39: Ask about free samples for your baby.
Most hospital nurseries receive free samples and coupons for new parents, so it's worth checking with the staff before taking home your bundle of joy. Download this free Baby Budget Checklist to help you pull together expenses when budgeting for your growing family.


Tip 38: Organize carpools.
Be that mom. Organize carpools for your kids' sporting and school events. It saves time, gas and money. Follow our daily budget-boosting tips at #CUSave2016. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 37: Recycle envelopes.
Save the unused envelopes you get with bills and junk mail to use for other needs. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 36: Check out free passes at the library.
Many public libraries offer free or discounted passes to museums, aquariums, zoos, and other attractions. Follow our daily budget-boosting tips online at #CUSave2016. Then, build your personal budget with these free worksheets and eGuide.


Tip 35: Let the sun shine in.
Sunny days mean free heat! During cooler months, open curtains to south-facing windows to take advantage of the free solar heat. Close curtains at night to retain the heat in your home. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 34: Add a week between haircuts.
If you normally go six weeks between haircuts, switch to seven. That change will save you the cost of a haircut and tip each year. To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 33: Switch to annual life insurance payments.
Annual payments often save you money over monthly, quarterly and semi-annual payments. Click here to find out how we can save you more money on your insurance needs.


Tip 32: Use a gas app.
Gas prices can vary greatly from town to town. A $.25 per gallon swing can add up to a $4 savings on a tank of gas. Check a reputable gas app before your next fill up to find your best budget option. To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 31: Caulk windows and doors.
Air leaks waste your energy dollars. The U.S. Department of Energy estimates an energy savings of 5% to 10% by caulking windows and doors. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 30: Avoid ATM fees.
As a member of Hanscom FCU, you belong to one of the nation’s largest surcharge-FREE ATM networks. Check the map at www.hfcu.org/locations to find a location near you. Click here to find out how much you are saving by making the brilliant decision to stop paying ATM fees. 


Tip 29: Choose one day of the week to run errands.
Reducing the number of trips you make in your car each week will help to save on gas. Map an efficient route before you go. To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 28: Re-imagine Spring Break.
Avoid the high-cost of exotic college Spring Break party destinations by choosing a more meaningful and
cost-effective experience. Bike the Blue Ridge Parkway? Hike Mount Washington? Let your imagination be your guide. To guide your budget, download this free Build-a-Budget eGuide.


Tip 27: Install a programmable thermostat.
Save on your heating bill by setting the temperature lower when you are asleep or away. According to the U.S. Department of Energy, by turning your thermostat back 10° to 15° in winter for 8 hours a day, you can save 5% to 15% a year on your heating bill. Find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 26: Consider mail order prescriptions.
Find out if your health insurance company offers mail order service for your regular prescriptions. This is often less expensive than using a pharmacy. Follow us on Facebook, Instagram and Twitter for daily money-saving tips! To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 25: Cut dryer sheets in half.
Or use them twice. The point is that you can get more than one use out of a dryer sheet. Follow us on Facebook, Instagram and Twitter for daily money-saving tips! To put together a budget for your savings, download this free Build-a-Budget eGuide.


Tip 24: Insulate your hot water tank.
Covering the tank with an insulation blanket is particularly helpful for older water tanks that feel hot to the touch. The U.S. Department of Energy estimates this will result in an annual savings of 4% to 9% in water heating costs. Learn more about insulating hot water tanks from the U.S. Department of Energy here.


Tip 23: Air-dry your dishes.
To save money on your utility bill, open the dishwasher door after the final rinse cycle and let the dishes air-dry. BONUS: The dishwasher steam will help to humidify your home in winter, making the air feel warmer. To create your personal money plan, download this free Money Management Planner. It includes worksheets and valuable tips to create a your customized plan.


Tip 22: Consider a winter wedding.
Many wedding vendors offer discounts during the off-peak season, and that can save you big bucks on your big day. Read more about winter wedding savings here.


Tip 21: Reduce the temperature on your hot water heater.
The default setting on many tanks is 140 degrees Fahrenheit. Save energy and dollars by dropping that to 120 -- which is still hot enough for your morning shower. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 20: Close vents and doors of unused rooms.
Save on energy and monthly utility bills by closing off the areas of your home that you don't use. Have you checked those vents lately? For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 19: Humidify your home.
Moisture makes the air feel warmer so that you can comfortably lower your thermostat and save on your heating bill. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 18: Skip one restaurant dinner each month.
Make dinner at home instead. This one change in your monthly budget could save you hundreds of dollars each year. Create your personal budget plan using this free Build-a-Budget eGuide. It includes worksheets and tips to keep you on track.


Tip 17: Fix drafty doors.
A new door sweep or a well-placed draft blocker will save energy and reduce heating bills. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 16: Improve your credit score.
The better your score, the better chance you have to get a competitive interest rate on mortgages, car loans and credit cards. This one change could save you tens of thousands of dollars in interest payments over the course of your life. As a Hanscom FCU member, you can get your credit score and review at no cost. If you like, we can meet with you to share tips on improving your score!


Tip 15: Know when to change the oil in your car.
The old rule of every 3,000 miles is no longer standard – and it could be costing you extra money. Many models can be driven 5,000 or 10,000 miles before needing an oil change. Read the recommendation in your manual or enter your car make and model at this website.


Tip 14: Lock your windows.
Close the locks on your windows to tighten the seals and reduce costly drafts. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 13: Take advantage of dependent care flexible spending.
If your employer offers a dependent care flexible spending account as part of your benefits, you can save money by contributing pre-tax dollars to be used for qualifying dependent care expenses.


Tip 12: Close your fireplace damper when not in use.
Check it annually for leaks or a broken seal. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 11: Freeze your panty hose.
Why get a run for your money? This savings tip has been circulating for decades, most recently on today.com (Dec 2015).


Tip 10: Add an extra layer.
A warm pair of socks and a cozy sweater will make it easier to turn down your thermostat this winter. According to Eversource, every degree you lower your thermostat will save about 2% off your heating bill. For more tips on how you can save energy and money, take advantage of a free Mass Save® home energy assessment and find out how to qualify for a 0% interest HEAT loan on qualified home energy efficiency projects.


Tip 9: Keep track of tax deduction receipts.
Make a spot now to stash receipts so that you don't miss out on deductions. Many job search expenses, charitable donations, childcare payments and other bills may be tax-deductible. Before tackling this year's taxes, try these four organizational tips.


Tip 8: Go grocery-free for one week.
Can you do it? Challenge yourself. No cheating with a restaurant visit! Take inventory of the food you have on hand in your freezer, refrigerator and pantry. Not only can you save money by not visiting the grocery store this week, but you might get to some of those boxes and cans before the expiration dates.


Tip 7: Set a savings goal.
Like dieting, it helps to set a goal and then make a plan to reach it. Are your goals short-term, long-term, ongoing? This free Financial Goals worksheet will help you identify realistic goals.


Tip 6: Make your greeting cards.
Americans spend almost 8 billion dollars annually on greeting cards, with the average card selling for about 2 to 4 dollars. Switching to DIY creations – such as a handwritten note, children’s drawings or stamp art – will save money at every occasion.


Tip 5: Take advantage of IRA match money.
Ask today if your employer offers a financial incentive for your IRA contribution. This is free money to help you pave the road to your retirement!


Tip 4: Create a coin jar.
Drop in your spare change at the end of each day. When the jar is full, deposit the money into an interest-bearing savings account. You can find one of the best returns on the market with the Hanscom FCU CU Thrive account. Look at this rate!


Tip 3: Automate your savings.
Aim to save 10% of your net pay. Talk to your employer about setting up an automatic deposit into an interest-bearing savings account. You can find one of the best returns on the market with the Hanscom FCU CU Thrive account. Look at this rate!


Tip 2: Stop smoking, save money.
A study by the Campaign for Tobacco Free Kids found that a pack-a-day smoker could save about $2,200 a year by quitting the habit! That might be your family vacation going up in smoke!


Tip 1: Take the Fritter Challenge.
Use this handy Fritter Finder to track your spending for a week. Take a good look at where you spent your money, searching for any expenses that have been frittering away your cash. Once you spot them, you can learn to avoid them in the future!