The new year is here, and it’s never too late to build a smart savings plan. Whether your goal is to pay down debt, save for a big purchase, or simply create more financial breathing room, these 13 practical tips can help you and your family start 2026 on the right foot:
- Track Your Monthly Spending
Do you know how much you spent on coffee last month or on those quick lunches? Small expenses add up fast. Seeing that you spent $50 at Starbucks might make you rethink your daily latte. Try brewing at home—it’s cheaper and often just as good.
- Pause Before Impulse Buys
Walking into Target for two items and leaving with seven? We’ve all been there. Make a list before shopping and apply a 24-hour rule to impulse purchases. If you still want it after a day, go ahead—but you probably won’t.
- Drink More Water
Skip the soda or tea at restaurants and choose water—you can save up to 20% on your bill. At home, replace bottled water with a reusable bottle. Switching to filtered tap water can save hundreds per year and help the environment.
- Carry Snacks
Hunger often leads to expensive vending machine runs. Keep snacks in your bag, car, or office to curb cravings until mealtime.
- Check Thrift Stores First
Need a crockpot, décor, or clothes? Thrift stores often carry lightly used items for a fraction of the cost. It’s budget-friendly and sustainable.
- Shop Around for Services
Before renewing insurance, cable, or phone contracts, compare rates. If you find a better deal, ask your current provider to match it. Loyalty can pay off.
- Cook More at Home
Eating out is fun, but it adds up. Make cooking enjoyable—try new recipes or prep meals for the week. Slow cookers and meal kits can make cooking easier and more affordable.
- Eat Out Strategically
If you do dine out, look for specials. Many restaurants offer weekday deals or early-bird pricing. A little planning can cut your bill in half.
- Refinance Your Mortgage
Lowering your mortgage rate by refinancing can save you hundreds each month. Check current rates and talk to your lender—it’s worth the call.
Find Free Activities
Explore free events in your city. In Kansas City, you can visit the Nelson-Atkins Museum, enjoy Shakespeare in the Park, or find family-friendly events on VisitKC or Facebook.Cut Premium TV Channels
If you’re streaming more than watching cable, cancel those extra channels. Free streaming options like Crackle or Tubi can keep you entertained without the cost.Carpool When Possible
Share rides with coworkers or friends. It saves money, reduces emissions, and makes the commute more enjoyable.Use Your Public Library
Libraries offer more than books—think audiobooks, music, classes, and even digital resources. It’s a free way to learn and stay entertained.
Bonus Tip - Try Something New
Host a potluck instead of dining out. Start a family game night. These simple changes can save money and create lasting memories.
The first step in saving is to know where your money goes. Track your expenses, make small changes, and watch your savings grow. When you’re ready to invest or open an account with competitive returns, call the experts at NASB at 800-677-6272 or click here for more information.
*Not all products are available for collateral located in all states or for all amounts.
