Simple ways to make your money go further
Whether you’re saving for something special or just want to feel more in control of your day-to-day finances, small changes can lead to big results over time.
At Northern Community Bank, we know that every penny counts, so we’ve put together some savvy saving tips to help you get the most from your money, no matter your starting point.
1. Make Saving a Habit
Try setting up a standing order into a savings account the same day you get paid, even if it’s just a small amount.
Treating savings like a regular bill means it’s done before you even miss the money.
Tip: You can always adjust the amount later. The most important step is getting started.
2. Have a Goal in Mind
It’s easier to stay motivated when you know what you’re saving for – whether it’s Christmas, a family break, or just a rainy-day fund.
Break your goal down into manageable chunks and celebrate small wins along the way.
3. Keep an Eye on Subscriptions
From streaming services to app payments, subscriptions can quietly eat into your budget.
Review them regularly and cancel anything you’re not using.
4. Shop Smarter
Take a shopping list to the supermarket and stick to it.
Switching to own-brand products or buying in bulk for non-perishables can save you more than you might think over time.
Extra tip: Try not to shop when you’re hungry. Your trolley (and your total) could end up bigger than planned!
5. Track Your Spending
Write it down, use a spreadsheet or download a free budgeting app. Tracking what you spend for just a few weeks can highlight habits or leaks you hadn’t noticed, and help you feel more in control.
6. Make the Most of Loyalty Schemes and Discounts
Club cards, supermarket loyalty points and cashback apps can all add up.
Just make sure you’re not spending more than you need to for the sake of a few points.
7. Save Spare Change
Emptying your purse or rounding up digital transactions into a savings pot can build a helpful cushion without much effort.
Some banks and apps offer auto-rounding features, but you can do it manually too.
Saving Doesn’t Have to Be Hard
At Northern Community Bank, we make saving as simple and flexible as possible so you can build up what you need, at your own pace, with no hidden fees or pressure.
Whether you’re putting away a little or a lot, we’re here to help you make it count.
You can always talk money with us.
