Building good money habits will help you learn how to budget, save money, and set you up for financial success. The key to reaching good savings habits is to take baby steps that become an everyday routine over time. With discipline and deliberate action, these steps will lead to a positive impact on your financial life.

Some examples of good savings habits you can begin with are:

• Create a budget and stick to it (aka live on less than you make)
• Set up an automatic transfer into savings with each paycheck
• Build up an emergency fund of at least 3 months of expenses
• Pack your own snack/lunch daily and plan your meals so you’re not paying for takeout
• Shop around for the best prices and best time to buy major purchases

No matter what your financial life looks like at this very moment, there is always room for improvement. At PCT we offer free checking accounts and interest bearing savings accounts. Under the same account number, members can have multiple savings accounts to isolate funds as needed for particular expenditures.   Members also have the ability to meet with a financial planner to help understand and improve your long term financial goals at no cost to them. You have the power to change your money habits, all you need to do is make the choice.