Need help spending funds more wisely? Do this before and while you go shopping or make other purchases.

Before Shopping

  • Check your account balance through Online or Mobile Banking. 
  • Make a note of any upcoming scheduled payments (like a utility bill) and deduct what you think the amount will be from your account balance.
  • Also deduct from your balance anything you may owe someone (like $10 for lunch last week).
  • Go ahead and subtract a little extra from your mental account balance in case an unexpected expense pops up.
  • With all this in mind, you’ll then know how much you have available to spend to go shopping.

While Shopping

  • Keep a mental estimate of how much you think everything in your cart costs.
  • Once the attendant rings everything up, look at the total amount. If it’s more what you have available to spend, try to put back a few things you don’t really need.
  • Once the total is within the amount you have available to spend, you can make the purchase knowing you have the proper funds in the bank to cover your promise and avoid paying any overdraft fees.