As a financial advisor, I consistently advocate for the virtues of saving, budgeting, and preparing for unexpected financial challenges. But what happens when you feel that your budget is stretched to its limits, and saving seems like an unattainable goal?

Let’s revisit a timeless idea: the change jar that many of our parents kept on the kitchen counter. The principle is simple—small, consistent savings can accumulate significantly over time. To make this strategy truly effective, however, it’s essential to establish certain habits that optimize these modest savings.

Here are a few smart habits to adopt:

  1. Strategic Timing for Purchases: If there’s something you want or need, consider the optimal time to buy it. Holiday sales, for example, could reduce the price by 25% or more. Impulse buying is a luxury you can’t afford!
  2. Lower Household Expenses: Minor adjustments like turning off lights when you leave a room or optimizing your home’s temperature settings can cut down your monthly bills. These savings may appear small but add up over time.
  3. Limit Vehicle Use: With the rising cost of gas, reconsider the need for short, unnecessary car trips. Could you walk or cycle instead? If not, consolidate your errands into one efficient trip and stick to a shopping list to avoid unplanned expenses.

The most effective way to identify untapped savings and plan for your financial future is to consult a financial advisor. If you’re interested in exploring what this could mean for you, don’t hesitate to reach out.

To schedule a complimentary consultation, call us at (435)773-9444.


Investment advice is offered through APO Financial Services, LLC (“APO”) 10155 Westmoor Drive, Suite 175, Westminster, Colorado 80021-2627. APO Financial Services is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC as an investment adviser should not be construed to imply that the SEC has approved or endorsed qualifcations or the services Eric Scott Financial and/or APO Financial Services offers, or that its personnel possess a particular level of skill, expertise or training. Additional information pertaining to APO’s registration status, its business operations, services and fees, and its current written disclosure statement is available on the SEC’s Investment Adviser public website at