Percapita

Do you ever feel like you're not quite sure how, but somehow, you’re just scraping by each month?

Maybe you grabbed coffee on the way to work, instead of making some at home. Maybe you find yourself taking one too many Ubers to work instead of taking the bus 😬. You aren’t alone, we all do it. But seemingly small choices add up, and breaking things down helps us see where savvier decisions could be made.

So, what does it mean to be #SpendingSavvy?

It’s all about taking charge of your finances in a way that works for you. Before you can spend savvy, you have to know where your money is coming from. Consider how much you make from your main gig, how much you bring in from your side hustles, and when you get paid for this work.  Knowing what’s coming in and when helps you plan better and spend with purpose.

After understanding how much money is coming in, you can start tracking where your money is going. Work to build a clear picture of your spending for each month, including the unexpected expenses that life throws at you. Spending Savvy means paying attention to these patterns and seeing where you can save. It’s not about cutting out all the fun—it’s about making sure the fun fits into your budget. Whether it’s comparing prices, hunting for deals, or thinking twice before a big purchase, these little habits can make a big difference.

Ready to get started? #SpendingSavvy is here to help you take control of your finances, one step at a time. Stay tuned for more tips in our app, content library, and on social media.

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