ANY TIME IS A GOOD TIME TO

START SAVING

TO TRIM EXPENSES &

MAXIMIZESAVINGS

STRATEGIES10

ANY TIME IS THE RIGHT TIME

TO CHANGEYOUR HABITS & SAVE MONEY

DID YOU KNOW?If you saved $75 per month, after 10 years you would have $9,000 (before interest).

:)

And if the prospect of cutting $75 out of the monthly budget sounds daunting, here are some tips to find savings.

1 COMPARISON SHOPEven if you don’t clip coupons, there are some tools that can help you save. Google Shopper and Amazon Mobile are two free mobile apps that let you to compare the price of an item at different retailers.

Many retailers now offer price match guarantees. So, you might not even have to drive to another store.

2 USE THE lIBRARY fOR BOOKS AND VIDEOSThe library has always been a great way to save money over buying books at the bookstore or renting videos.

Now, many libraries also stock eBooks and movies, so you can check those out, too.

3 BREW YOUR COffEE AT HOMEThe average American worker spends around $1,100 annually on coffee. Just a few trips to your local coffeehouse for a latte can add up quickly. Brewing coffee at home – while not free – could make a big difference in your annual savings.

4 TAKE A STAYCATIONThe average US vacation costs $244 per day for two people (lodging and meals). Kids and airfare causes the cost to rise even higher.

The idea of a staycation – visiting a local hotel ordestination instead of traveling – has become a popular way to take a break without breaking the bank.

5 PlANT A GARDENWhile organic, local produce is becoming a favored choice, it can be expensive.

You can take advantage of the local/organic produce by planting a bountiful garden in your yard, for a fraction of the cost.

6 SET UP AUTOMATIC SAVINGS TRANSfERSEmbrace the concept of “paying yourself first.” Put money into savings as a priority before spending money on entertainment, clothing, dining out, vacations and new toys.

An easy way to make sure you do this is to set up automatic transfers into your savings.

7 TRIM YOUR TAx BIllUp to 2.2 million taxpayers forget deductions and overpay taxes by an average of $438.

8 MAKE YOUR HOME MORE ENERGY EffICIENTYou don’t have to make big changes – like installing solar panels – to save money on energy. Small changes such as using a programmable thermostat also save energy costs.

Many utilities and states also offer incentives forincreasing your energy efficiency.

9 lOOK AT YOUR INSURANCE POlICIESRevisit your insurance coverage at least every other year.Make sure you have enough coverage, without being over-covered. Take the opportunity to comparison shop among different insurance providers.

10 REfINANCE YOUR MORTGAGEMortgage rates have fallen dramatically over the last few years.

Refinancing your mortgage at current lower rates could save you money every month.

Of course, there are always costs to consider before refinancing, like closing costs.

ThESE TIPS ARE JUST ThE BEGINNING Of ThINGS YOU cAN dO TO START SAvING MONEY. TO lEARN MORE ABOUT SAvING MONEY, vISIT REGIONS.COM/MYGREENGUIDE

This information is general in nature and is provided for educational purposes only. Regions makes no represen-

tations as to the accuracy, completeness, timeliness, suitability, or validity of any information presented. Infor-

mation provided should not be relied on or interpreted as accounting, financial planning, investment, legal, or

tax advice. Regions encourages you to consult a professional for advice applicable to your specific situation.