Lowering your bills: 6 tips to save money monthly

Lowering your bills: 6 tips to save money monthly

Lowering Your Bills: 6 Tips to Save Money Monthly

Family Finances

houses

6.With the cost of living on the rise, finding smart ways to cut expenses and save money each month is more important than ever. The good news? You don’t need to make drastic lifestyle changes to see a difference. By focusing on a few key areas, you can reduce your bills and keep more money in your pocket—without sacrificing quality of life.

Here are six tips to help you lower your monthly bills and start saving today:

1. Audit Your Subscriptions

It’s easy to lose track of what you’re subscribed to—streaming services, fitness apps, premium accounts, and more. These small charges add up quickly. But here’s the truth: most of us don’t use all of them regularly. If you’re looking to trim your monthly expenses without sacrificing entertainment or fitness, consider these three strategies: downgrade, rotate, or bundle.

Downgrade When You Can

Many streaming platforms offer tiered pricing—usually based on things like ad presence, simultaneous streams, or video quality. Ask yourself: do you really need 4K when you mostly watch on your phone? Can you tolerate a few ads to cut your bill in half? Downgrading your plan (even temporarily) can save you $5–10 per month, per service.

Rotate Your Subscriptions

Content comes and goes in waves. Instead of staying subscribed to everything at once, rotate. Watch all the new content on one platform, then cancel and switch to another next month. For example, binge all your favorites on HBO Max in June, then pause and move to Disney+ in July. It takes a bit of planning, but the savings can really add up—without missing out.

Bundle Strategically

Many services are starting to bundle together—either through corporate partnerships or telecom providers. For instance, Disney+, Hulu, and ESPN+ offer a joint package that’s cheaper than paying for them separately. Some wireless plans now include Netflix or Apple TV+ at no extra cost. Check your current subscriptions and phone plan—there might be a bundle you’re already paying for and not using.

Tip: Go through your bank or credit card statements and cancel anything you don’t use regularly.

2. Cut Down on Utility Costs

You can reduce your electricity, water, and gas bills with simple changes:

  • Switch to LED bulbs.
  • Unplug devices when not in use.
  • Install a programmable thermostat.
  • Fix leaks and consider low-flow showerheads.

Bonus: Many local utility companies offer rebates or incentives for making energy-efficient upgrades.

3. Meal Plan and Cook at Home

One of the most effective ways to cut monthly expenses is to take control of your food spending. Dining out and grabbing takeout might feel convenient, but those costs add up fast. Instead, try meal planning and cooking at home—you’ll be surprised how much you can save.

Start by creating a weekly meal plan based on what you already have in your pantry and what’s on sale. Choose simple, versatile meals that use similar ingredients so nothing goes to waste. Then, make a grocery list and stick to it—no impulse buys.

Cooking at home doesn’t mean you need to be a gourmet chef. Batch cook meals like stir-fries, soups, or pasta dishes that reheat well. You’ll spend less per meal, avoid delivery fees, and reduce food waste. Plus, homemade meals are often healthier, so it’s a win for your budget and your body

4. Refinance or Shop Around for Lower Rates

Whether it’s your car insurance, cell phone plan, or even your mortgage—there’s a good chance you’re overpaying. One smart way to reduce your monthly costs is to refinance or shop around for better rates.

Start with big-ticket items like your mortgage, auto loan, or student loans. Even a small reduction in interest can mean significant savings over time. If refinancing isn’t right for you, consider calling your lender to negotiate—many are more flexible than you think.

Also, compare rates on essentials like car insurance, cell phone plans, and utilities. Many companies offer discounts to new customers or will match a competitor’s price if you ask. A few phone calls or online quotes could cut your monthly bills without sacrificing service.

Tip: Compare rates annually. Use comparison sites to check for better deals or call your provider and ask if they can match a competitor’s rate.

5. Use Cash-Back and Reward Programs Wisely

Cash-back apps and credit card rewards can give you money back for purchases you were going to make anyway.

Caution: Only use rewards programs if you pay your credit card balance in full each month to avoid interest charges.

6. Set Savings on Autopilot

Saving money shouldn’t feel like a chore. Automating your savings ensures you’re consistently putting money away before you even notice it’s gone.

Tip: Set up an automatic transfer to a high-yield savings account each payday. Start small—even $25 a week adds up over time.

 

Final Thoughts

Saving money monthly doesn’t have to mean giving up everything you enjoy. With a few adjustments and more mindful spending habits, you can lower your bills, grow your savings, and enjoy more financial peace of mind.

Check out Card Management in the mobile app and online banking for better insights into your spending!

 

Jumpstart Your Savings Today!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

Related Articles

Spend or Save Graduation Money

Spend or Save Graduation Money

Spend or Save Graduation Money?

Family Finances

houses

Did you receive money for graduation and you’re trying to figure out what to do with it? Spend it, save it, invest it… Receiving cash for graduation is a great gift, and when used wisely, can start you off on the right foot financially. While you may be tempted to go on a shopping spree or treat yourself to a getaway, there may be better ways to use your graduation money. Here are five ways to use your graduation cash that gives you a step in the right financial direction:

1. Set Aside for Savings

One way to put your graduation money gifts to good use is to put money aside for savings or as an emergency fund. Stashing cash in a savings account can help you afford expenses, such as textbooks, meal plans, and more, or toward tuition to reduce your reliance on loans. If this is undergraduate graduation money it can help you afford moving out of your parent’s home.

You also cannot predict the future. Financial setbacks can happen – like having to fix a broken car or an unexpected job loss– that will make it hard to pay your bills. Having an emergency fund can make these unexpected moments easier to live through with less of a chance of having to rely on credit cards or loans.

2. Invest in Yourself

While saving is important, investing in yourself is as well. Sometimes, spending money is the smart move – as long as it’s purposeful. Consider using a portion of your graduation money for items that support your future goals. Here are a few examples:

  • A laptop for school or job hunting
  • Professional clothing for internships or interviews
  • Furniture or kitchen basics for an apartment or dorm room
  • Online courses or certifications that align with your career goals

Upskilling is becoming increasingly important these days, especially in highly competitive career fields. While a bachelor’s degree is usually enough for an entry-level role, upskilling can give you a competitive edge that makes you stand out in the job market.

3. Pay down some of your student loan debt

Your student loan repayments will start six months after graduation day. If you have the money, consider putting some of your graduation money into paying down part of the debt. We recommend tackling the student loans with the highest interest first.

By pre-paying your student loans with some of your graduation cash, you could be saving yourself from accumulating interest on interest down the road. Otherwise, once your payments begin, you’ll be paying interest on both the principal and the interest that accrued during the grace period.

4. Invest for your Retirement

Saving for retirement might not be on the top of your mind when you’re young, but the earlier you begin, the better off you’ll be in the future. Even if the contribution is small, consistent savings can add up and work to your benefit over the years. Think of it this way, at an assumed 6% average annual return rate, investing $100 at age 22 will reach $1,226 by age 65. If you stay consistent and add $25 a month to that initial deposit, you’ll have $57,495 by age 65.

5. Treat Yourself

Yes, being financially stable and making sure all of your financial priorities are met is what brings peace to everyone’s life, but nothing beats doing what you want with your money. You just spent countless hours, days, and years working towards this degree. So, if you feel like you need to take a vacation before things start to get real, do it! If you want to splurge on a new wardrobe, buy it! Spending money on things you like is essential for taking care of yourself. Just make sure you take care of the important things first, so you won’t be homeless by the time you come back from that trip.

Planning ahead is key

If you’re not sure whether you should spend or save your graduation gift money, it helps to look at the big picture. What are your short-term needs? What are your long-term goals? The answer to how to use your graduation cash is different for everyone, but by considering all of the options, it may be easier to decide how to use graduation money to stay ahead financially.

Jumpstart Your Savings Today!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

Related Articles

How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

Family Finances | Summer

houses

Summer vacation doesn’t have to mean draining your savings or racking up credit card debt. With a little planning in advance, you can have a fun, memory-filled summer vacation, while staying financially sound. Whether you’re planning a trip for yourself, vacationing with friends, or planning a family trip, these budget-friendly tips will assure you have a great summer vacation – without overspending.

1. Set a Budget

A good rule of thumb to follow when budgeting a get away is to follow the 50/30/20 rule. This means 50% of your budget is reserved for your monthly fixed costs, such as your mortgage payment, utilities, food, and childcare. 30% is used for discretionary spending and the last 20% goes into your savings. If you follow this method, the 30% you set aside will be your vacation budget.

If you’d like to get an idea of your overall spending and find out whether you are staying within these percentages, Money Management in digital banking includes budgeting tools that organize and categorize your spending so you can see the full picture.

What should you include in your vacation budget?

It’s important to set a realistic budget, based on what your family can afford. Include travel/transportation, lodging, food and drink, activities, souvenirs, and a small emergency fund.

See how much you should be saving monthly to reach your vacation fund goal with our Savings Goal Calculator.

2. Travel Smart

Travel/Transportation

You don’t have to fly across the world to feel like you’re on vacation. Save yourself the cost of airfare and rideshares by travelling locally. Just remember to account for gas and parking when you travel in your own car. If you must fly, consider booking your flights on less traveled days like the middle of the week because prices tend to be lower.

Accommodations

Hotels can eat up a large portion of your budget, so consider alternatives like a rental house or campsite. If your only option is a hotel, consider booking when there are deals available or booking with a travel or rewards focused credit card so you can earn cash back or rebates on your travel purchases.

Planning meals and activities ahead

Planning meals and activities ahead will also help you save money. Bringing your own food and drinks to avoid having to eat out for all three meals every day of your trip will help you stay within your budget. If your hotel offers complimentary breakfast, always take advantage of that. When eating out, consider drinking water instead of paying the additional cost of a soft drink. Prioritizing cheap or free activities like sightseeing landmarks, relaxing on the beach, visiting state parks, visiting local art and history museums, and enjoying public attractions will help keep the cost down. Just don’t forget to keep in mind the cost of parking.

Souvenirs

Start saving early for your souvenirs. To avoid charging unexpected expenses to a credit card, try to rely on cash for these items.

The best souvenirs are the memories you create!

3. Keep an eye out for unanticipated expenses

Remember, certain vacation costs are obvious – lodging, food and drink, travel – but small ones can quickly add up. While you’re comparing costs and looking for the best deal, you should also keep in mind gas, tolls, parking, and sunscreen. Try to walk through a typical vacation day, and map out every expense you might encounter – even the ones you accrue before leaving for the trip (beach towels, toiletries, new suitcase, etc.).

4. Final Thoughts

Don’t go into debt for a summer vacation. A great summer vacation isn’t about how much money you spend. It’s about who you’re with and the memories you create. With a little planning and some creativity, you can relax, explore, and have fun while staying financially savvy.

Keep your vacation savings separate from your main savings. Start saving for your next vacation with our Statement Savings account.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

Related Articles

Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

HOLIDAY | Summer

baking-cookies-from-recipe

As Memorial Day weekend approaches, we’re kicking off summer the best way we know how—through the joy of food, family, and outdoor gatherings. To celebrate the unofficial start of the season, we asked our employees to share their favorite summer cookout recipes, straight from their own kitchens and backyards. From smoky grilled mains to refreshing side dishes and desserts made for sunshine, these crowd-pleasers are perfect for your next BBQ or picnic. Whether you’re hosting a big bash or just enjoying a quiet evening on the patio, let these tried-and-true employee favorites inspire your Memorial Day menu—and all the summer cookouts to come.

Strawberry Shortcake Bars

Ingredients:

Bars:

  • 1 box vanilla cake mix

  • 2 eggs

  • 1/3 c veg oil

Crumble Topping:

  • 1 3oz package dry strawberry gelatin mix
  • 1 3oz package dry vanilla instant pudding mix
  • ½ c softened, unsalted butter
  • 1 c all purpose flour, divided

Cool Whip Layer:

  • 1 8oz package cream cheese, softened
  • 1 c powdered sugar
  • 1 tsp vanilla extract
  • 1 8oz tub cool whip topping, thawed

Directions:

  1. Preheat oven to 350 degrees. Line a 9×9 cake pan with aluminum foil an spray with nonstick cooking spray. Set aside.
  2. In a large bowl use an electric mixer to combine cake mix, eggs, and oil until dough forms. Press dough evenly into prepared pan with a spatula. Bake for 20 min or until edges are lightly browned, let cool completely before putting the topping on.
  3. In a small bowl combine the strawberry gelatin mix, 4 tbsp butter, and ½ c flour. Use a fork to mix the ingredients until a crumble forms. In another small bowl use a different fork to combine the vanilla pudding mix, 4 tbsp butter and the remaining ½ c flour until the crumble forms.
  4. Spread the crumble each on their own cookie sheet lined with parchment paper. Bake them at 350 for 10 minutes, checking the crumble frequently and stirring to prevent any burning. Place pans in freezer for 10 minutes to cool down the crumble quickly.
  5. In a large bowl, use an electric mixer to combine the cream cheese, powdered sugar, vanilla, and cool whip. Blend it on high until light and fluffy. Spread the frosting on top of the cooled bars and sprinkle a generous amount of crumble on top. Cut into squares and enjoy!!

This typically makes enough crumble that there is a decent amount left over. My family will use it to sprinkle on top of our ice cream until it is gone! 

Strawberry Heaven Trifle

Ingredients:

  • Premade angel food cake**
  • 2 lbs. strawberries**
  • 1 Stick of butter
  • 4 egg yolks
  • 2 tbs granulated sugar
  • 1 8oz tub of cool whip
  • 2 cups powdered sugar

Directions:

  1. Dice strawberries and mix with 2 tablespoons of granulated sugar, let this sit while you prepare the rest
  2. Cut angel food cake into bite sized pieces
  3. Melt 1 stick of butter and let it cool (or you can use very soft room temp butter)
  4. With a hand mixer beat the butter and egg yolks until silky
  5. Slowly add the powdered sugar until fully incorporated
  6. Fold in 1 tub of cool whip
  7. In a large bowl or trifle dish, layer angel food cake, cream mixture, strawberries, repeat.

    **Note: You can substitute the strawberries for almost anything! I originally started this recipe with crushed butterfingers.
    ** If doing premade angel food cake, 1 whole round cake is sufficient for this recipe, if you get the loaves, you will likely need 2.

Spicy Garlic Grilled Chicken

This is SO GOOD – We usually quadruple the recipe so we have lots of leftovers.

Ingredients:

  • About 1.25 pounds chicken breast cutlets

Marinade:

  • 1/2 cup mayonnaise
  • 2 tablespoons classic yellow mustard
  • 2 tablespoons lime juice
  • 2 tablespoons olive oil
  • 3 to 5 cloves garlic, minced or finely pressed
  • 1 tablespoon chili garlic sauce
  • 1 to 1.5 tablespoons sriracha, or to taste
  • 1/2 teaspoon freshly ground black pepper
  • 1 tablespoon fresh cilantro, optional
  • fresh parsley or cilantro, optional for garnishing

Directions:

  1. In a bowl, whisk together all the marinade ingredients until well combined. *
  2. Pour the marinade into a large zip-top plastic bag, add the chicken, seal the bag, and massage
    it gently to coat the chicken evenly.
    3. Refrigerate the bag for at least 1 hour, or up to 24 hours, to let the flavors develop.
    4. Preheat a grill (outdoor or indoor grill pan) to medium-high heat. Grill the chicken for
    approximately 7 minutes, or until fully cooked.
    *Note: If you’d like, you can set aside about 1/4 cup of the marinade before adding it to the zip-top bag
    to use later as a dipping sauce for the cooked chicken.

Bacon and Pineapple Jalapeno Poppers

Ingredients:

  • 10 Jalapenos

  • 8 oz package cream cheese (room temperature)

  • 20 oz can crushed pineapple in heavy syrup, drained well

  • 16 oz package bacon (not thick-sliced)

  • Barbeque sauce

Directions:

  1. Slice jalapenos length wise.
  2. Beat cream cheese until fluffy, add pineapple and stir until thoroughly combined.
  3. Spread the mixture into jalapeno halves, leveling the tops.
  4. Wrap each stuffed jalapeno with one slice of bacon.
  5. Arrange on large baking pan that was lightly sprayed with cooking spray. Bake at 375 for 30-35 minutes.
  6. Baste the poppers with BBQ sauce and continue baking for 5 minutes. Enjoy!

Texas Caviar

Place the following ingredients into a bowl:

Drain before adding:

  • 1 can black eyed peas

  • 1 can pinto beans 

  • 1 can black beans

  • 1 can shoepeg corn

Finely chopped:

  • 1 cup red pepper 

  • 1 cup celery 

  • 1 cup green onion

In a separate bowl, mix 1 cup sugar, 3⁄4 cup apple cider vinegar, 1 teaspoon water, and a sprinkle of salt and pepper. Microwave the mixture until it boils, and then pour over the dip. 

Serve with Fritos Scoops

Campfire Potatoes

Ingredients:

  • 2 lbs Red Potatoes
  • 1⁄2 teaspoon Salt
  • 1⁄2 teaspoon Pepper
  • 3 Tablespoons Butter
  • 1⁄2 cup Mozzarella Cheese shredded
  • 1 cup Cheddar Cheese shredded
  • 6 slices Bacon cooked and chopped
  • 3 Green Onions sliced

Directions

  1. Spray 3 large pieces of foil with a non-stick cooking spray.
  2. Slice the potatoes into thin slices and evenly divide them onto the pieces of foil.
  3. Season the potatoes with salt and pepper. Then top each one with the diced bacon and green onions. Then top each one with thin slices of butter.
  4. Fold the foil around the potatoes securely to make a foil pack.
  5. Place on a preheated grill over medium high heat or place on a campfire. Grill for 15-20 minutes until the potatoes are tender.
  6. Carefully open the foil packs. Evenly place the shredded cheese over the potatoes in the foil. Carefully close the foil packs back up and allow the steam from the potatoes to melt the cheese (approximately 2-3 minutes). 
  7. Then the potatoes are ready to serve warm and enjoy!

Notes:

We used heavy duty foil to make sure that it doesn’t break when cooking. 

Refrigerate the leftovers in an airtight container for up to 5 days.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

Related Articles

The Next-Generation of Digital Banking is Here

The Next-Generation of Digital Banking is Here

Introducing the Next Generation of Digital Bankng

Tutorial

blonde girl laptop

Get ready for a whole new digital banking experience! Access all the features you need with ease—no more buried navigation items. And customize your homepage to make it uniquely yours.

Here’s what’s new:

diverse-mom and daughter

The experience is consistent, modern and intuitive.

Enjoy consistency across online banking and the mobile app, including how you sign on.

greengirl

Your homepage can be personalized to you.

Control which features appear on your homepage by adding widgets to your “favorites.” And collapse, expand or reorder them at any time. Plus, change the name you’re greeted with when you sign on.

hatguy

Important information is front and center.

See due date and past due information for specific account types right on the Accounts widget. Important messages are also displayed upfront, with the option to click for additional details. You can also view your five most recent transactions on the homepage without having to click into an account.

screencoffee

Essential tasks are just a click away.

Click to view statements, make payments or transfer money—right from the Accounts widget.

Frequently Asked Questions

How do I change my name for the greeting?

To change your greetings name, click on “Customize Home Screen” in the upper right corner of the screen. Type in the name you desire and click save.

How do I sign up for e-statements?

Signing up for e-statements is easy! Sign in to online banking and go to the upper right corner of your screen. You will see “E-statements”. If you have not yet enrolled, when you click on “E-statements” you will be able to sign-up. 

How do I see my recent transactions?

When you are logged into online banking, to view recent transactions, click on “Show More” on the account you wish to see.  To view all of your transactions history, click on the account name. 

Related Articles