Percapita

Let’s talk about something that’s on everyone's mind but can sometimes feel a little overwhelming—your financial routine. You might be thinking, "Routine? 😧 I can barely keep up with the unexpected!" And we get it. But building a financial routine doesn’t have to be daunting. It can actually be empowering and freeing when it’s tailored to your life and keeps your money working for you, moving you towards your goals.

Why have a financial routine?

Think of your finances as your physical health. You wouldn’t skip brushing your teeth or going for that occasional walk, right? Your money needs the same kind of care and attention to keep it working for you.

When you have a routine, it means you’re taking small, consistent steps toward your financial goals—whether that's saving for a dream vacation, paying off student loans, or simply building an emergency fund.

How can I get started?

Before you even think about building a routine, it’s important to take a deep breath 🧘 and get real about what’s coming in and going out. This means reviewing your paychecks and every single expense. Yes, every single one.

You don’t need to be perfect, but understanding where your money goes is the first step to making it work for you. Start by writing it all down ✍️ and placing your purchases into different buckets, e.g. Groceries & Household, Going Out, Clothing & Decor.

By placing your spending into different categories, you start to see where you may have allowed for too much spending in one area, over a more essential one. It happens! But we have to understand these patterns if we want to achieve our financial goals.

What does financial success mean to you? 

Everyone’s financial goals are different, and that’s okay. Maybe you want to build up a cushion of savings, get rid of debt, or simply stop living paycheck to paycheck. Ask yourself: What will make me feel secure? What am I working toward?

Having a clear goal gives your routine a purpose, which is essential in keeping you motivated.

Let your money work for you

Dealing with finances is hard enough, but there are different tools that can take some of the pressure off of you.

If you haven’t heard of automation before, it is your best friend. You can set up automatic transfers for monthly expenses, like rent and bills, or begin to expand your finances with automatic transfers into savings and investments. When money moves around on its own, you’re less likely to forget or feel stressed about remembering dates.

If savings and investment accounts seem like too big of a step, you can start using automation in small ways, like Percapita’s Penny Jar, which rounds up any purchase made with your Percapita Visa Debit Card, and deposits that change into either your Needs or Goals Account. *

Automation should make life easier without you even having to think about it. By setting up a financial routine with a few automatic steps, you're giving yourself more mental space to focus on what matters most—whether that's family, hobbies, or career goals.

Build the routine that fits your life

Your financial routine should work with your life, not against it. Some people love doing a weekly review of their finances, while others find monthly check-ins more realistic. There’s no wrong way—just find what works best for you.

• Daily Routine: Small check-ins, like looking at your bank balance or adding expenses to a tracker.
• Weekly Routine: Review your spending habits, make sure bills are in order, and see if you're on track with your goals.
• Monthly Routine: Go over your budget, adjust any financial goals, and celebrate small wins (because those are big deals).

Consistency is key 🔑. Set reminders if you need to, and don’t worry if it takes a little time to fall into a groove.

Adjust & evolve

Life changes, and so should your financial routine. As you grow, your income might increase, your priorities might shift, and unexpected expenses will pop up. Be flexible and willing to adjust your routine when needed. What works now might need to be tweaked in a year, and that’s perfectly normal.

Just like a good recipe, your routine might need a little adjusting before it feels just right. But once you find the right balance ⚖️, you’ll feel much more in control and confident with your money.

Remember, your routine doesn’t have to be perfect; it just has to work for you. And we’re here to make sure that’s possible.

Feel ready? Let’s get started today.

*Penny Jar is an automated savings tool available with the Percapita Cash Account.

Percapita Group, Inc. is a digital company that provides access to products and services to improve financial wellness. Percapita is not a bank. Percapita deposit accounts are provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and determinations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at www.fdic.gov.

The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.

This material is for informational purposes only and should not be relied upon as guidance.