• Melissa Walton-Jones

Finer Finance Fridays #18


Summer is on on the horizon, and so is summer vacation, or other reasons you may have for traveling... family reunion, Boule'... Are you ready financially? It's the first ending of tax season, and many are receiving back the money they advanced to "Uncle Sam". For those that gave the government a tax free loan, hopefully, you are thinking of ways to put some savings aside. If you are someone who has money to save, but just aren't doing it, or in any case, if saving has become a priority for you, but you aren't sure how to start, here are a couple of simple ways to jump-start your savings strategy, that you can implement immediately to help kick-off your savings plan!

Make Saving a Priority

Save at the Beginning of the Month. It’s easy to spend money when there’s money to be spent, but most people can survive just fine on less. With that in mind, treat your savings as a monthly expense that’s due at the beginning of the month, not the end. Just as you wouldn’t miss paying your heating bill, don’t get comfortable skipping your savings either. Moving your savings obligation to the beginning of the month will ensure you reign in your spending near the end of the month instead of just spending what should have been your savings.

Seperate your Savings

Keep your savings out of arm’s reach. If you’re struggling to save you might want to put money in an account that’s not at the same bank as your checking account. Open an account at a different institution and have the money automatically withdrawn each month. Don’t forget about it completely, but don’t make it too easily accessible either. This will help ease the temptation to tap into it. If you make it automatic you’ll save more, because then you’ll have fewer opportunities to spend money you should be setting aside. I have always found that automatic savings deduction from my pay is the easiest and least painful way for me to save money, I love it and it has really helped me through out my life.

Check out Chime. Chime is an online-only bank account that offers some unique features other banks haven’t caught on to yet. Chime doesn’t charge overdraft fees, monthly maintenance fees, foreign transaction fees or minimum balance fees. When you set your payroll up for direct deposit to your Chime spending account, your paycheck will post two days before payday, giving you more time to plan, save and pay the bills.

These are just a couple of ways to start saving today. Put your plan in motion and start reaching your savings goals! Try running some numbers through online calculators to see how quickly you can reach your goals. Anyone can save, from the youngest to the oldest. Make saving a family affair and don't forget to treat yourself, IF you reach your objectives.

#finerfinance #zetaroi #melissafortreasurer #melissaforzeta


One of my goals is to increase the financial literacy and stability of members so that we can generate wealth for ourselves and our communities. I hope you find Finer Finance helpful! To support these efforts, please consider making a campaign contribution. Your non-tax-deductible contribution to the Finer Finance Campaign will go to fund campaign activities such as literature, travel, and lodging on the campaign trail. Please know that your personal gifts are greatly appreciated, but are not deductible for Federal income tax purposes. Use the "DONATE NOW" option OR send contributions via PayPal: paypal.me/finerfinance.


Content contained on or made available through the Finer Finance Website, Blog, or other Social content mediums is not intended nor does it constitute legal advice, financial advice, or investment advice. Your use of the information or materials related to anything published by Finer Finance or linked from any medium used by Finer Finance is at your own risk, with no liability assumed by Finer Finance or its representative(s). Further, this information is not the expressed opinion and does not in any way represent official statements on behalf of Zeta Phi Beta Sorority, Incorporated, its Officers, Representatives or Affiliates.

#ZetaPhiBeta #ZetaPhiBetaSorority #FinerFinanceFridays #FinerFinance #ZetaFinance #FinerFinance

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Soror Melissa Walton-Jones, Zeta Phi Beta Sorority, Inc.

2020 Candidate for Re-Election: International Tamias