Since 2007, America Saves Week has been both a celebration and a nationwide call to action, encouraging individuals and families to prioritize financial wellness by committing to saving successfully. This annual event serves as a powerful reminder that small, consistent steps toward saving can lead to greater financial stability and long-term security. As your trusted credit union, we’re excited to participate by sharing valuable tools, resources, and expert insights to help you build healthy saving habits. Join us throughout the week as we explore practical strategies to grow your savings, reduce financial stress, and achieve your financial goals—one smart step at a time!
2025 Daily Themes
Automatic savings is a simple yet powerful tool that ensures you’re consistently working toward your financial goals, whether paying down debt, preparing for emergencies, or saving for long-term dreams.
Why Saving Automatically Works
Automatic savings simplifies the process of building financial security. Here’s why it’s so effective:
Consistency: Regular contributions build habits and ensure progress toward goals.
Discipline: Automation removes the temptation to spend money before saving.
Convenience: Once set up, saving happens effortlessly.
Take Action: How to Set Up Autom Bank Transfers:
Set up recurring transfers to an emergency fund savings account and any debts you’re repaying.
Ask your employer to split your paycheck between checking and savings.
Enroll in your employer’s retirement plan or set up an IRA with automatic contributions.
Are you ready to start saving automatically? Use this Decision Tree to help you decide where to save your money.
Life is full of surprises—some joyful, like a spontaneous trip, and others stressful, like an unexpected bill. An emergency fund helps you handle life’s curveballs with confidence, reducing stress and avoiding high-interest debt. It’s a tool for freedom, allowing you to enjoy life without worrying about “what if.” Being prepared isn’t about fear—it’s about having the flexibility to focus on what truly matters.
Steps to Start and Grow Your Emergency Fund
Define Your Why: Saving for emergencies is a deeply personal choice.
Ask yourself:
What do I want my emergency fund to cover?
How will it bring peace of mind and align with my priorities?
Start Small, Think BIG! Building an emergency fund can feel overwhelming, especially if you’re aiming for three to six months’ worth of expenses. But don’t let the big picture discourage you—every small step counts.
Prioritize Needs Without Sacrificing Joy: Your emergency fund doesn’t mean giving up everything you love. It’s about finding balance. Consider how you can redirect small, unnecessary expenses without feeling deprived:
Swap one takeout meal a week for a home-cooked dinner.
Pause or cancel a subscription service you don’t use often.
Reallocate your tax refund or bonuses toward your fund.
Choose the Right Savings Account: Keep your emergency fund separate from your regular checking account to avoid dipping into it for everyday expenses.
Celebrate Milestones: Every milestone, no matter how small, deserves to be celebrated. Whether it’s saving your first $100 or reaching your $500 goal, take a moment to acknowledge your progress. These moments reinforce your habit and keep you motivated to continue.
