Smart Savings for a Strong Year: Wayne Bank’s Financial Tips for 2026

As the calendar turns and a fresh year begins, now is the perfect time to build healthier habits - especially when it comes to your finances. Whether your goal is to start an emergency fund, pay down debt, or simply feel more confident about your financial health, the new year provides an opportunity to take meaningful steps forward.

At Wayne Bank, we're committed to helping our customers strengthen their financial well-being with practical guidance, trusted tools, and personalized support. Here are some simple, effective saving strategies to help you start the year on solid financial footing.

1. Revisit Your Budget

The first step to stronger savings is knowing where your money is going. Review your monthly income and expenses to see what fits, what doesn't, and where small adjustments can add up. Need some tips?

• Break your spending into categories: Essentials, non-essentials, and savings. Even a modest shift toward your savings category can make a big difference over 12 months.
• Identify hidden expenses: Small, routine expenses like unused subscriptions, excessive delivery fees, or daily impulse purchases can drain your budget without you noticing. Reviewing these regularly can help you redirect that money toward your savings goals.
• Download (and use) a savings app: TikTok, Candy Crush, Roblox - there are endless apps for entertainment, but have you considered a savings app? There are lots of great options that can help you track your money, set goals, and budget more effectively.

2. Set Clear, Achievable Goals

Financial goals become much easier to reach when they're specific. Instead of saving "more," decide what you're saving for and how much you'll contribute each month.

Examples:

• Building a $1,000 emergency fund
• Saving $50/week for a family vacation
• Paying down a credit balance
• Contributing another 3% more to retirement

With clear targets, you can track progress and stay motivated throughout the year.

3. Automate Your Savings

One of the easiest ways to save consistently is to make it automatic. Setting up recurring transfers from your checking account to a dedicated savings account takes the effort (and temptation) out of the equation.

Ask us about Wayne Bank's automatic transfer options, which can help keep your savings on track without any extra steps.

4. Build or Boost Your Emergency Fund

A healthy emergency fund offers peace of mind and helps you navigate life's unexpected moments. If you don't have one yet, start with a small goal and grow it over time. If you already have one, consider boosting it this year.

At Wayne Bank, we offer a variety of CDs and Savings Accounts to help you save. Even $10 or $20 a week can build a strong safety net by year's end.

5. Look for Opportunities to Reduce Everyday Costs

Reducing expenses doesn't have to mean major lifestyle changes. Look for small areas where you might adjust spending. Think of these savings as dollars you're redirecting to your future self. Here are some examples:

• Ending unused subscriptions
• Dining out less often
• Taking advantage of seasonal discounts
• Switching to generic brands for everyday items
• Cutting back on delivery fees by planning meals and grocery trips
• Bringing coffee, snacks, or lunch from home instead of buying out
• Reducing impulse purchases by waiting 24 hours before buying

6. Make the Most of Interest-Bearing Accounts

Where you keep your savings matters. Consider moving part of your savings into a high-yield option, such as a Wayne money market account, or CD to help your money grow over time.

If you're unsure which product is right for your goals, our team is always here to help.

7. Review and Refresh Your Financial Tools

The new year is a great time to explore the digital tools available to help you stay organized. Wayne Bank's Online Banking, Mobile App, and built-in budgeting and account-management features can help you track spending, set alerts, and monitor your progress from anywhere.

Take advantage of helpful tools like:

• Account alerts for low balances, deposits, or upcoming payments
• eStatements to keep your financial records organized
• Bill Pay to stay on top of recurring expenses
• Mobile Check Deposit for quick, secure banking on the go
• Zelle® for simple, fast money transfers

With these digital tools at your fingertips, staying on track with your financial goals becomes easier - and more convenient - than ever.

8. Schedule a Financial Check-In

Financial goals are easier to reach when you're not working toward them alone. A quick conversation with a trusted Wayne Bank representative can help you set goals, find the right products, and build a plan tailored to your needs.

Start the Year with Confidence

No matter where you're starting from, every step you take puts you closer to a stronger financial future. Wayne Bank is here to support you with tools, guidance, and personal service every step of the way.

Visit your local branch or contact us today to begin your best financial year yet.