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Saving Money When There’s
Not Much to Save


Many Americans struggle financially, living paycheck to paycheck, hoping they have enough to cover all their bills at the end of the month. Life is easier if you have a cash cushion or an emergency fund, but how do you save when there is not much fat in your budget?
First, you need to find out where your money is going. Start by tracking all your spending for 30 days. Everything, even a pack of gum, should be noted using any tracking method you prefer – a notebook, your smartphone, an online spreadsheet, whatever works best for you. Then categorize each expense. Start with these essentials:

  • Rent/mortgage
  • Utilities
  • Food
  • Transportation to get to your job
  • Healthcare
  • prescriptions and co-pays

These five are priorities that must be paid each month. Everything else, like clothing, cosmetics, gym membership, etc., are areas where you can cut back

A Fresh Approach

The No Nonsense Banking Alternative

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Audrey Clark named New VP of Member Services.

Join us in congratulating Audrey Clark on her promotion to VP of Member Services.

In her new role, Audrey will lead all efforts to enhance the service experience of our members. She will be in charge of all staff service training and eventually lead our new Solutions Center which will open later this year. You can find Audrey at our Charles Street location. Audrey’s commitment to our members is well-known throughout the community, and we are excited to bring her leadership to our team.

Congratulations Audrey!

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Latest MCFCU Newsflash

Stay up-to-date with current news and information from Madison County Federal Credit Union. Each edition of our Newsflash features member tips and insights, monthly specials and important news on banking.

Download the Newsflash