S

tart with your budget

As your financial plan is often based on cash flow, creating a budget can be a beneficial place to begin your spring refresh. Take note of any areas of overspending or if you have been budgeting more than necessary. Then, adjust your plan accordingly.

P

are down accounts

Consolidating your past and present accounts can help you organize your finances and paint an accurate picture of your funds, so you know exactly how much you have. If you have retirement accounts from past employers collecting dust, consider rolling them into a new account to streamline savings.

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eview your insurance

Check up on policies, including homeowners’ and life insurance, to ensure you have the necessary coverage. Go through all paperwork for the last few years to determine the amount of coverage you have currently and how it compares to the coverage you need. If you recently had a child, you may need to make changes to your life insurance policy.

I

temize your possessions

Prepare for a disaster by taking inventory of every possession in your house to present to your homeowners or renters insurance agency. Consider taking photos and documenting the estimated amount of each – especially electronics, furniture and other big-ticket items. This can streamline the process of replacing valuables if disaster strikes.

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egotiate rates

Avoid overpaying for auto insurance, cable, internet, wireless phones and other recurring bills by shopping around for better rates regularly. As a best practice, compare your rates with those on the market annually or twice a year to ensure you are getting the best price.

Check out available discounts on auto and home insurance discounts from our insurance partner, Travelers, and ask for a free quote.

G

o paperless

Opting for electronic statements from your financial institution can help you spring clean both your finances and house. Gain access to your statements as soon as they are posted online and mail carrier delays. Plus, receiving e-statements can cut down on piles of paper cluttering up your tables. Your home and the environment will thank you for making the switch.

Log into your Online and Mobile Banking account to opt-out of paper statements go green. Don’t have Online and Mobile Banking? Enroll today.

Our experts are ready to help you upgrade your finances at every stage. Email us at contactus@apgfcu.com to get started.