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Personal Finance Advice You Can Count On.

We make it easy to do everyday banking at Horizon, but everybody still needs some sensible advice from time to time to help with their goals and strategies for saving, investing wisely and making the most out of your financial journey. That’s why we provide fresh advice topics to help you along the way.

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How to Save Money: Tips from Your Local Experts

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April is Financial Literacy Month! Financial literacy encompasses the knowledge and skills people need to be financially independent and secure. These skills include knowing how to invest and manage finances. Saving money is another great skill to enhance this April. Below, we offer four easy, helpful ways to save money.

4 Helpful Ways to Save Money with Little Effort

Automate savings from paychecks.

If you receive automated payments from your employer, you can choose to have a certain amount deposited in your savings account each paycheck. This method is a convenient way to pay yourself first. Experts recommend saving at least 20% of your take-home income each month.

Budget for savings.

Making a budget can help you save more. One method is to put cash in multiple envelopes for specific expenses. Another technique is using spreadsheets or phone-based apps to monitor spending. Whatever method you choose, make sure savings are a part of your budget! You should also move leftover money into your savings at the end of the month.

Enroll in Easy Save.

Easy Save is a simple tool to help you save money. Easy Save rounds up every purchase you make to the nearest dollar and adds your change to your savings account. Rounding up can help you save more than $150 yearly! All you need to get started is a Horizon checking and savings account and a Horizon debit card. Then, you’re paying yourself to save!

Set savings goals.

Finally, make realistic savings goals for yourself! These should be short-term and long-term goals. For example, your short-term goals might be to save for an upcoming vacation, pad your emergency fund, or increase your health savings. Your long-term goals might be to save for the down payment on a house or build your child’s college fund. Whatever savings goals you set, having them will keep you motivated to save.

Contact a Horizon Bank advisor for help with saving, investing, and financial planning

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