Money Management tools to try before the end of the day

Whether you’re settling into the first weeks of college, you're waiting to land your next job, or you just bought your first home these tips will help anyone that is penny-pinching right now.

• Compare your current financial situation to your peers; if nothing else it will give you a clear indication of where you are and should be. "Status" is an app that compares and analyzes your interest rates, spending, debts, and assets to help you find opportunities to save and earn smarter.

• You might not believe this but there are in fact websites, which let you earn free gift cards for taking surveys, watching videos, shopping online and more. Swagbucks.com is definitely one of the better-known sites and currently offers a $5 signing bonus.

• Are you paying too much for car insurance? You could save money by shopping around and comparing rates at least once a year. Our tip is to obtain quotes from at least three insurance companies in your area and ask them for their best rates.

• Procrastinators take heed; spend your time wisely. MyMoney.Gov provides information about student aid, credit card behavior, online identity theft and much more.

• Available with online banking through Warren-Boynton State Bank, My Money Manager is a financial management tool, which gives users the ability to set up a budget, create goals, and track their spending.

• For anyone that indulges in online shopping, "Slice" collates the details of your online purchases in one place, from receipts to shipping information. The app also retains your purchasing history so you can upload it to your budgeting app.

• Bill pay, through Warren-Boynton State Bank, allows you to pay your bills safely, securely, and conveniently in one place. You can schedule one time or recurring payments, track payments, view payment history, set up custom email or text alerts and add eBills to see due dates and amounts of upcoming bills.

For more information about our services speak with one of our friendly staff at our New Berlin, Springfield, Palmyra, or Modesto branches.