Take action.Are you working to pay down debt? Are you saving for something important? You’ll need to take certain actions to reach your financial goals. Here are four steps to spending and saving wisely so you can stay on budget:

1. Identify your sources of income.2. Take charge of your spending.

Stick to your budget.Once you have a plan in place, these tips can help you stick to it.

• Make a habit of tracking your spending to become more aware of your non-essential spending.

• Automate payments, such as monthly bills, but also the amounts you’d like to put toward saving or paying down debt. Use Key’s Online Banking and Mobile App for all your automated payments.

• Plan your “extras” in advance. Having a budget doesn’t mean you can’t have fun. It’s likely the spontaneous spending is what adds up, so advance planning can help you stay on track and on budget.

• Choose the right checking account - one that doesn’t charge unnecessary fees that can reduce your balance, that offers discounts on other products and services, and rewards you.

How we can help.It all begins with a conversation. Schedule a Key Financial Wellness ReviewSM or speak with your Key@Work Relationship Manager today.

Spending less than you earn each month is an important part of achieving financial wellness. It can help you avoid incurring debt and allows you to start saving more toward your goals. Setting a budget is a great way to get started. Here’s how.

Go to key.com/appointment Visit your local KeyBank branch

Spending and saving wisely.Begin by making a plan and sticking to it.

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3. Cover your necessities.4. Decide where you want your money to go.

Your journey to financial wellness.

Understand where you are today

Take action, one step at a time

Build healthy financial habits

Monitor regularly

Celebrate each success