Keep Saving, Keep Smiling

In these economic times, it's more important than ever to watch your spending. It's not as difficult as you might think – you just have to get creative! If you're looking to tighten your belt and save, try these easy tips:

Prescription drugs – Always ask your doctor to prescribe the generic version of your medication. If it's possible, have your doctor prescribe double your dosage and then split your pills. You'll pay the same copay and only have to refill your prescription half as often.

Insurance – Raising the deductible on your car insurance can lower your premium significantly.

Senior discounts – Find out if or when your grocery store offers a senior discount and begin shopping on those days. Many other stores offer senior discounts, so take advantage of the savings!

Refinance your mortgage – Talk to one of our loan officers to see if this is a way for you to save money.

Utility bills – By weather stripping and sealing gaps around windows, doors and other entrances into your house, you can save up to 30% on your utility bills.

Buy in bulk – If you have the extra storage space, buy in bulk from larger discount stores.

By making these few, simple adjustments, you will see a difference in the amount of money you spend each month. And when you have money to spare, deposit it into a savings account at Wings Financial Federal Credit Union. We can help you pad your
rainy day fund or find other ways to ensure your financial future. Call (800) 692-2274, option 2, for more information.

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eMoneyMatters is published by the Marketing Department at Wings Financial Federal Credit Union for its members. It is designed to help maintain communication with members and provide reliable and helpful information that will contribute to each member's overall financial well-being. eMoneyMatters is published at Wings Financial Federal Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124, (952) 997-8000. While consistent effort is made to ensure the integrity of information contained in this publication, material should not be considered legal, financial or professional advice. The publishers do not assume liability for loss or damage as a result of reliance on this data. Images may be from one or more of these sources: ©Jupiterimages, ©Getty Images, ©iStock, ©SnapVillage. Copyright ©2009 Wings Financial Federal Credit Union. All rights reserved.