Spring Into Saving Smarter
May 2023

Spring is the perfect time to clean out your home and clean up your finances! Here are some tips on how to spring-clean your finances and boost your savings account:

Automate your savings: Spring cleaning often involves organizing and streamlining, and you can do the same with your savings. Set up automatic transfers from your checking account to your savings account regularly, which will help build up your savings without you having to think about it.

Declutter your expenses: Take a close look at your costs and determine which ones aren't necessary and can be eliminated. For example, you may be paying for subscriptions or memberships you no longer use. Canceling these expenses can free up money you can redirect to your savings account.

Reorganize your budget: Review your budget and see if there are any areas where you can cut back. By reorganizing your budget, you can create more room for savings contributions.

Refresh your financial goals: Spring is a great time to review your financial goals and adjust as necessary. Consider setting new goals for your savings account and create a plan to achieve them. This could involve increasing your savings contributions or exploring new investment opportunities.

By spring cleaning your finances, you can identify areas where you can save money and redirect those savings toward your savings account. Just like how decluttering your home can make it feel more organized and spacious, decluttering your expenses and reorganizing your budget can make your financial situation feel more manageable and less overwhelming.

Gesa Credit Union offers financial education with access to a broad range of value and cost-effective financial product and services. Organizing your finances can be challenging, especially if you are just starting out. Gesa gives you the tools and materials right at your fingertips, so you can be successful. Let us be your guide to your financial journey.
Your Financial Journey starts here!

Let’s talk about banking basics. It is not a good idea to hide your money under a mattress, as it can be very risky. At some point you will need to secure your money either with a Bank or Credit Union. Both Banks and Credit Unions offer insurance coverage over your money, creating a safe and profitable way to take your first step in your financial journey. But make sure you do your research to find the financial institution that offers the right products and services for you.


Products and services are essential to managing your money. Banking institutions offer a variety of consumer needs. Checking accounts allow you to deposit and withdraw money for daily transactions. These accounts are also good for paying bills, purchasing items with your debit card., and depositing your payroll. Savings accounts allow you to withdraw and deposit money. However, they are not for everyday transactions. Savings accounts are good for earning a higher interest on your money, making larger deposits, and saving for something special. When looking into a financial institution, you will want to research monthly fees, minimum balance requirements, interest rates, and opening deposit requirements. You’ll also want to look into electronic services they offer in the event you need to access your accounts outside of a physical branch.

Gesa Credit Union is a not-for-profit financial co-operative. This means we share our profits with our members through higher interest rates on savings and lower rates on loans—ultimately earning our members more money in savings and saving them money on loans.

Gesa Credit Union also offers a unique variety of products and services. For example, currently, Gesa offers a Student Checking account for ages 14-18. This product empowers young members to have their own Savings and Checking accounts with a debit or ATM card. It is not common for financial institutions to allow a minor to have their own individual account. However, ours are designed to set students up for financial success as the student checking product is not eligible for overdraft protection. This feature is added to protect the member from consistently over drafting their account and accruing service charges. Additional features such as online banking empower the member to track their balances, pay bills and set transaction alerts.

Do you know a young person ready to learn the ins and outs to managing their money? Student Checking at Gesa is a great way to start out!

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