You can implement small changes into your daily life that can make a big impact on your financial health. If you’re looking for ways to save money every day without committing to a major financial overhaul, consider these tips.

Take a closer look
Before you start saving, it’s a good idea to get a clear picture of what you’re spending each month. Examine your bills and track everything you buy for 30 days. This review will help you understand your money habits and allow you to set a better budget.

Need help with budgeting? Check out our Budgeting tool.

Feed your piggy bank
Even if you mostly rely on credit or debit cards to make purchases, cash still probably plays a part in your finances. Whenever you break a bill with a purchase, feed your piggy bank the change. By depositing the extra cash into your savings account, you can help build your nest egg. Using cash will also bolster your savings mindset as spending cash is often more difficult than spending money using a debit or credit card.

Look for deals and clip coupons
It is easier now than ever to save on almost everything you buy at major chain stores. Whether you’re stocking up on groceries, toiletries or items for the home, most stores offer loyalty programs, a weekly ad boasting what’s on sale and online apps that allow you to “clip” coupons with a simple download. Printable coupons still exist if you prefer tangible coupons to digital ones. The best part is, you can sometimes use both for optimum savings.

Keep trips to a minimum
It’s inevitable that you’ll run out of something before your usual shopping trip, but too many trips to the store can lead to overspending on things you might not need. That is why it is important to plan ahead before you shop.

Buy your groceries in bulk at wholesale stores or shop your local grocer’s weekly ads and plan your meals and snacks according to what’s on sale. Prepare a meal plan once a week so that you buy only what you need.

Caffeinate at home
If you regularly stop at the local coffee shop for a latte each day, consider making coffee at home instead. With every cup you make at home, you’ll be saving money. Brewing coffee at home instead of buying a three-dollar cup of coffee at a local coffee shop every day can save you over $1,000 a year.

Re-evaluate your car loan
There is a chance that you can lower your monthly car payment by refinancing your loan. A lower interest rate will mean you’ll pay less over the term of your loan. If you’re interested in refinancing your auto loan, contact an member advisor today!

With small changes, you can save big. If you’re interested in learning more about savings, visit our Financial Education Center.