Check-in with your service providers to see if there are any specials you can take advantage of. If there isn’t a special, try negotiating for a lower price for the service. Review the plans to make sure there aren’t alternatives that fit your lifestyle and cost less.

It doesn’t have to cost you a lot of money – or any – to get or stay fit. There are a number of free at-home workouts you can do to stay active. Go for a run or bike ride outside, find a free yoga video online or download a free app with workout regimens you can follow. You can do all of these from the comfort of your home – without spending a bundle on gym membership fees.

Depending on when you purchased your home, refinancing could give you the opportunity to take advantage of historically low mortgage interest rates. A lower interest rate means a lower monthly payment and more money in your wallet. For a limited time, Navigator is offering discounted mortgage loan origination fees. Speak to a friendly Navigator Mortgage Team Member today about your options by calling 800-344-3281 option 5 or visit navigatorcu.org/mortgage.

This is a great time to have an insurance agent compare insurance rates and bundling options. By enlisting the help of an independent insurance agent, you will receive pricing from many different insurance providers in order to make the best possible decision for you and your family.

Consider this easy approach when it comes to buying: when you see something you want, wait 72-hour hours before making the purchase. After three days, you may find you don't need the item after all. Remember, a penny saved is a penny earned!

While it’s important to support small and local businesses to keep our communities strong, ordering take-out and delivering food too often can be a real financial drain if you don’t closely watch your spending. Take a moment to budget how much, if any, you can afford to spend on take-out and delivery costs, and be sure to stick to your allocated budget.