Excuses are common when it comes to finances.

It’s easy to make excuses when it comes to achieving savings goals, so it takes a conscious decision to get out of your own way. You can take some small, manageable steps to help you build better habits and implement ways to avoid self-sabotage.

Here are some tips to help you get on a successful financial path.

Automate Your Finances

Scheduling deposits to your savings account and payments for your bills is the easiest way for you to start a successful financial journey.

First, determine the amount you can take from your income and transfer it into savings. Set up an automatic transfer to occur when you get paid. This can easily be set up through your online banking.

Next, review the due dates of your bills. Then, schedule bill payments so that your bills are paid automatically. You can schedule these payments on your Kitsap Credit Union mobile app or online banking using Bill pay.

Keep a Constant Eye on Your Accounts

Use your mobile app to regularly check your accounts. 

You can monitor your transactions and ensure your automatic payments and transfers are working correctly.

You can even schedule balance update alerts to be sent by email or text to provide you with your balance regularly. 

Checking your accounts frequently and monitoring your balances will let you see if you are sticking to your plan. This will keep you on track and help you achieve your goals.

Be Positive

Switching from a negative mindset to a positive one makes it easier to commit to a routine that will lead to your success. Creating change is easier when you are positive, determined, and consistent.

In summary, these simple steps will ensure you are sticking to your financial plan and not getting sidetracked.