Budgeting Tips


The holidays can be tough on the purse strings so we’ve come up with a list of ways to breathe life back into your bank account in the new year.


Take advantage of the post-Christmas/January sales because you could find that even essentials, such as toiletries, grocery items, and clothes - for next winter - are cheaper now than they will be later in the year.


Whether returns hit the shop floor or end up at the likes of TJ Maxx, Marshall’s, or Ross, for example, you could find items that you need for much less than you would pay ordinarily. 


The thrift, charity, and second-hand stores will be brimming with gifted items people did not want or were unable to return from toys and electronics to clothes and household items. January is a great time to go thrifting.

Discounted gift cards

Did you know that you can sell unwanted gift cards online and that you can purchase discounted gift cards too? 


Check out the latest coupons at the supermarket. It’s likely you already receive monthly coupons that track your most recent purchases. Take note of this month’s offers and plan your meals and/or activities around the best offers.

Eat seasonal produce

Look for produce that’s in season because it will not only stay fresh for longer, but it will also likely be cheaper than produce that has been shipped from elsewhere.

Turn down the thermostat

It might sound silly, but you’ll likely save dollars by turning down the thermostat a degree or two.


The best way to stay on track and save is to create and keep to a budget. With the Warren-Boynton State Bank mobile app, you can make account inquiries, transfer funds between accounts, manage your debit card, view check images, make deposits, view transaction history and statements, pay bills, make person-to-person payments, and manage your money by setting up a budget and creating savings goals.

If you have any questions about our personal banking services, please do not hesitate to contact us through your nearest branch.