Category Archives: Saving Money

How to Save Big by Shopping Off-Season

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Looking to make your money go further? One of the smartest and simplest ways to save money is by shopping off-season. From clothing and outdoor gear to holiday décor and even travel, buying items when demand is low can lead to major savings.

When something is in-season, whether it’s winter coats or beach chairs, retailers know consumers are willing to pay more – so prices tend to stay high. But once the season ends, stores typically need to make room for new inventory. That’s when discounts, markdowns, and clearance sales often come into play.

By planning your purchases, you can avoid paying peak prices and take advantage of deeply discounted deals on quality items you’ll use in the future.

Common Items That Cost Less Off-Season

Here are a few examples of how off-season shopping can save you money:

  • Clothing: Buy winter coats and boots in late winter or early spring. Grab swimsuits and sandals in late summer. Retailers often mark these down by 50% or more once the season passes.
  • Holiday Decorations & Gifts: Shop for holiday lights, wrapping paper, and decorations after the holiday season ends. You’ll save big and be ready for the following year.
  • Grills & Patio Furniture: Prices for outdoor gear tend to drop dramatically in fall and winter. Buy during the off-season and you’ll be set for next summer without the high price tag.
  • Travel & Airfare: Consider booking trips during early spring and late fall. You’ll often find cheaper flights, accommodations, and fewer crowds.
  • Home Appliances & Tools: Air conditioners will go on sale in the fall, and snow blowers will be less expensive in the spring. Plan ahead and buy before the next peak appliance season hits.

Tips for Successful Off-Season Shopping

Ready to start saving? Use these tips to make off-season shopping work for you:

1. Make a Year-Round Shopping Calendar: Plan out when major seasonal items will go on sale and mark your calendar. Being strategic can really pay off.

2. Buy Ahead, Not on Impulse: Just because something is on sale, doesn’t mean you need it. Focus on what you’ll actually use in the future.

3. Size Up for Kids: When buying clothes for growing children, purchase next year’s sizes at end-of-season sales.

4. Store Items Properly: Keep your off-season purchases organized and stored well so they’re ready to go when you need them.

5. Stack Savings with Coupons or Rewards: Combine clearance prices with loyalty programs or cash back credit card rewards (like our uChoose Rewards program for First Financial Visa Cash Plus Cardholders), for even more savings.

Small Strategy, Big Savings

Off-season shopping is one of the easiest ways to cut costs without cutting corners. With a little planning and patience, you can stock up on high-quality items for a fraction of the cost and free up more room in your budget for the things that matter most.

At First Financial, we’re here to help you save smart all year long. Looking for more financial wellness tips? Check out some of our other posts on our First Scoop Blog!

Am I Subscribed to Too Much?

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From music and streaming platforms to meal kits and fitness apps, subscriptions are everywhere – and they can add up fast. What starts as a $5.99 per month deal, can quietly balloon into hundreds of dollars in recurring charges over time. Here’s how to take control of your subscriptions, make smarter choices, and maybe even keep more of your hard-earned money in your account.

Step 1: Take Inventory of All Your Subscriptions

The first step to fixing a problem is seeing it clearly. Make a list of every recurring subscription you’re currently paying for, including:

  • Streaming services (Netflix, Hulu, Disney+, Spotify, etc.)
  • Software (Microsoft 365, Canva, Adobe, etc.)
  • Fitness or wellness apps
  • Online memberships or communities (Amazon Prime, etc.)
  • Meal delivery kits or subscription boxes
  • News, magazine, or content subscriptions (Kindle Unlimited, etc.)

Pro Tip: Check your bank statements and credit card transactions from the past 2–3 months to catch any others that you might have forgotten, or that you initially signed up for on a free trial and forgot to cancel after the trial period ended.

Step 2: Cancel What You Don’t Use Regularly

Now that you’ve got your list, ask yourself:

  • Have I used this in the past 30 days?
  • Is this subscription improving my life or making it easier for the money I am paying for it?
  • Do I have multiple services doing similar things?

You might be surprised at how many apps or services you’re subscribed to “just in case,” or haven’t actually opened and used in weeks. Be honest with yourself, if it’s not bringing consistent value to your life – cancel it.

Step 3: Consolidate or Share Subscriptions

Some services allow shared family plans or bundled options. Examples include:

  • Sharing streaming services among household members.
  • Bundling platforms like Hulu, Disney+, and ESPN+
  • Family plans for Apple, Spotify, or Google services.

Sharing or consolidating services can reduce your monthly costs without sacrificing access.

Step 4: Look for Discounts, Cash Back, or Annual Plans

Before renewing any subscription:

  • See if there’s a student, military, or family discount.
  • Look into cash back rewards or promotions through your credit card provider. (Side note that all First Financial Cash Plus Credit Cards come with uChoose Rewards, where you’ll receive 1% cash back on all of your purchases!).*
  • If you love the service, check if switching to an annual plan saves you more money in comparison to monthly billing.

Step 5: Build a Subscription Strategy

Once you’ve trimmed the fat, create a plan to help keep you on budget in the future:

  • Reevaluate subscriptions every 3–6 months.
  • Set spending limits for monthly recurring charges.
  • Use a free budgeting tool or app to track subscriptions and what you are spending each month in real time.

Some apps will even send you alerts when subscriptions renew or increase in cost, making it easier to stay in control of your money.

First Financial Can Help You Stay on Track

Subscriptions are convenient, but they shouldn’t quietly drain your wallet. With a little time and strategy, you can align your spending with what you actually use and thoroughly enjoy. Visit your local branch to learn more about how we can help you manage your finances confidence.

*APR varies up to 18% for the Visa® Signature Cash Plus Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Your First Financial Visa® Signature Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter. uChoose Rewards is a registered trademark of Fiserv Inc. Login to uChoose Rewards through Online Banking, by clicking on your Cash Plus Card account to view current offers.

Living Greener on a Budget

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With Earth Day around the corner, it’s the perfect time to think about ways to reduce our environmental footprint without stretching our wallets. Living a more sustainable lifestyle isn’t just good for the planet, it can also improve your health, foster a sense of community, and help you save money in the long run.

At First Financial, we believe in making smart choices that support your future, financially and environmentally. Here are six affordable ways to start living a little greener.

1. Swap Single Use for Reusable Alternatives

One of the simplest ways to reduce waste is to ditch disposable items in favor of reusable ones. Every day, disposable items add up – both in the landfill and on the wallet. Swap out the disposables for reusable shopping bags, water bottles, coffee mugs, or silicone food storage bags. Reusable products often last much longer and perform better than their single-use counterparts. A little upfront investment can go a long way for the planet and your budget.

2. Rethink Every Purchase

Being mindful of what you buy is one of the most effective ways to live sustainably. Ask yourself:

  • Do I really need this?
  • Will I use it regularly?
  • Could I borrow or buy it secondhand?

By purchasing less and choosing higher-quality, longer-lasting items – you’ll reduce waste and save money in the long run. Opt for goods with minimal packaging, shop locally when you can, and consider checking thrift stores, yard sales, or resale apps before buying something brand new.

3. Make Your Own Cleaning Products

Many store bought cleaners contain harsh chemicals and come with a hefty price tag. Making your own cleaning products is a budget-friendly and eco-conscious alternative. Basic ingredients like white vinegar, baking soda, lemon juice, and essential oils can tackle everything from countertops to windows. For an all-purpose cleaner, try mixing equal parts water and vinegar with a few drops of your favorite essential oil or lemon rinds.

4. Consider Refurbished Electronics

Looking to upgrade your tech? Save money and reduce electronic waste by buying refurbished gadgets. From laptops to smartwatches, refurbished electronics often come with warranties and are restored to like-new condition. Websites like Amazon Renewed can offer great deals without sacrificing quality — plus, you’ll be giving products a second life.

5. Shop Secondhand and Save

Shopping secondhand is not only cost-effective — it’s also great for the environment. When you buy pre-owned clothing, furniture, or home goods, you help keep usable items out of landfills and reduce the demand for new production. Thrift stores, consignment shops, and online platforms like Facebook Marketplace or OfferUp make it easy to find affordable, one-of-a-kind pieces. Bonus: Secondhand shopping is a fun way to uncover hidden gems and fulfill that exciting shopping experience without breaking the bank!

6. Stay on Top of Home Maintenance

Proactive maintenance can extend the life of your home and appliances, reduce energy usage, and help avoid costly emergency repairs. Routine tasks like checking for leaks, cleaning filters, and inspecting insulation — can make your home more efficient. Create a seasonal checklist to keep up with tasks throughout the year. This helps ensure your home runs smoothly and can help you spot issues before they become expensive problems. Don’t forget to build an emergency fund in case of large unexpected expenses, like water heater or roof replacements.

Make Greener Living Part of Your Financial Plan

Living sustainably doesn’t mean spending more — it often means spending smarter. Whether you’re starting with small changes or making larger lifestyle shifts, your choices matter. We’re here to support your journey toward a healthier planet and a stronger financial future. To learn more about managing your money wisely, visit your local branch or subscribe to our First Scoop Blog.

6 Ways to Celebrate Valentine’s Day on a Budget

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Valentine’s Day is about celebrating love — not emptying your wallet. Whether you’re looking to make new traditions, get creative, or simply rethink how you celebrate – there are plenty of ways to make the day special without overspending. Here are six affordable and meaningful ways to show your love this Valentine’s Day.

1. Start a Meaningful Tradition

Instead of opting for the usual romantic dinner out, create a tradition you and your partner can look forward to each year. The key is finding something meaningful and cost-effective. Have a game night with your favorite board games, visit a museum together, or spend the day volunteering for a cause you both care about. Traditions you both look forward to create lasting memories without the price tag.

2. Give the Gift of Time

A thoughtful gesture often means more than any store bought present. Instead of chocolate or flowers, take something off your partner’s to-do list. Has your significant other been stressing over a task they keep putting off? Surprise them by getting it done. Whether it’s cleaning the house, tackling a home project they’ve been asking for, or taking over dinner duty, these small acts of love can make a big impact — and best of all, they don’t cost a thing.

3. Boost Your Savings Together

Rather than spending money on gifts that won’t last, consider putting that money into a savings account for something meaningful. Whether you’re dreaming of a vacation, a new home, or another major milestone, redirecting your Valentine’s Day spending into a shared savings goal can be a powerful way to invest in your future together. It’s a lasting way to celebrate love while staying financially smart.

4. Make Your Date a Gift

Turn your date into something memorable and useful. Sign up for a pottery class and make something your partner will actually use — a mug for their morning coffee, a dish for their jewelry, or a keepsake that holds sentimental value. Not only do you get to enjoy quality time together, but you’ll also leave with a personalized gift that lasts longer than roses or candy.

5. Redeem Your Credit Card Rewards

If you have unused credit card rewards, now is the perfect time to cash them in. Many people accumulate rewards but forget to use them. Whether it’s for dining, experiences, or gifts – using your points now ensures you’re getting the most value and not allowing those rewards to expire. Holding onto your rewards might seem like a good idea, but their value will remain the same while the cost of goods and services will continue to rise. Spending your rewards sooner rather than later ensures you maximize their benefit.

6. Skip It or Take a Rain Check

One of the easiest ways to save money? Agree to skip Valentine’s Day altogether. But before making that decision, talk with your partner to ensure you’re on the same page. If Valentine’s Day isn’t important to either of you, why not focus on celebrating your anniversary instead? Love should be celebrated every day, not just once a year.

If skipping isn’t an option, consider postponing the celebration. February 15th — when Valentine’s Day chocolate and gifts go on sale, might be the perfect day to celebrate. Delaying the holiday just one day can save you money while still keeping the romance alive.

Celebrate Love Without Overspending

Valentine’s Day doesn’t have to come with a hefty price tag. With a little creativity and planning, you can make the day just as special without going over budget. Whether you start a new tradition, invest in your future, or simply spend quality time together – these budget-friendly ideas will help you celebrate love in a more meaningful way.

For more financial tips and money-saving strategies, call us at 732.312.1500 or visit a branch today. Don’t forget to subscribe to our First Scoop Blog for more insights to keep your finances on track year-round!

Money Saving Tips You Can Actually Follow This Fall

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As the crisp fall air rolls in and the days grow shorter, it’s the perfect time to refocus on your finances and find new ways to save. Fall brings a natural opportunity to cut back on certain expenses, prepare for the holidays, and reset after the summer. Here are six money-saving tips to help you make the most of your autumn without overspending.

1. Turn Off Your Heat and Air Conditioning

Fall offers a sweet spot in terms of weather — usually neither too hot nor too cold. Take advantage of this mild season by reducing your heating and cooling expenses. Turn off the air conditioning and enjoy cool nights by opening your windows. When temperatures start to dip, seal up any drafty windows and doors to avoid heat escaping from your home. Instead of cranking up the heat, bundle up in cozy sweaters and blankets. Small changes to your energy habits can lead to noticeable savings on your utility bills.

2. Pick Up a Fall Side Gig or Craft

With the holidays approaching, fall is the ideal time to dive into a creative side gig. People are often looking for unique, handmade items and autumn crafts. Fun items like custom-painted ornaments, knitted scarves, or homemade baked goods are in high demand this time of year. If you enjoy cooking, baking, or crafting – consider turning your hobby into extra income. Not only will you make some extra cash, but you might also discover a seasonal passion that carries over into the winter months. You never know, what starts as a fun side project could become a booming business!

3. Get Crafty with Your Fall Decor

Instead of buying expensive seasonal decorations from retail stores, consider DIY alternatives. Craft stores and dollar stores offer plenty of inexpensive items that can be transformed into beautiful fall decorations. Create centerpieces with candles, pine cones and gourds, or make a fall wreath with supplies from the dollar store. This approach is not only budget-friendly, but also gives you a chance to get creative. Plus, DIY decorating can be a fun family activity, helping you save on both home decor and entertainment as the cooler weather sets in.

4. Start a School Carpool

If you’re spending too much time (and gas money) in the drop-off lane at your child’s school, consider organizing a carpool. Teaming up with other friends and neighbors to share driving responsibilities can save you money on fuel and free up time in your day. Even a small change from five pick-ups and drop-offs per week to just three – can make a difference in your gas spending.

5. Review Your Subscriptions

Fall is a great time to re-assess the subscriptions you signed up for during the summer months. As life gets busier with school, work, and holiday preparations – some of these services may no longer be necessary as your time is more limited. Look through your bank statements and cancel any subscriptions that you’re not using — whether it’s a streaming service, gaming or book membership, or an automatic refill subscription for a product you no longer need. These recurring fees can quickly add up, and canceling unnecessary subscriptions can help you trim your budget.

6. Make Meals in Bulk

As the weather cools, it’s time to bring out your slow cooker or crockpot. Cooking large batches of meals like soups, stews, chili, or casseroles not only saves time, but can also be a major money-saver. Preparing meals in bulk allows you to buy ingredients in larger quantities (which is often cheaper) and avoids the temptation of ordering takeout on busy evenings. Freeze the leftovers to stretch your grocery budget further and enjoy quick, hearty meals throughout the week without extra cooking time.

Make the Most of Your Fall Finances

First Financial is here to ensure your finances are in good standing this fall. For more personalized financial advice or assistance with budgeting, call 732.312.1500 or visit a branch today to learn more about how we can help support you in your financial goals. Be sure to subscribe to the First Scoop blog for additional money-saving tips and financial insights throughout the year.

6 Tips to Save Money While Owning a Pet

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Owning a pet can bring immense joy, but it can also come with heavy financial responsibilities. According to the American Society for the Prevention of Cruelty to Animals (ASPCA), the first year of dog ownership costs around $3,221, with an average annual expense of $1,391 every year after. Cat owners can expect to spend about $1,904 in the first year and $1,149 each year after. These costs can increase quickly, especially when unexpected medical expenses arise. However, with thoughtful planning – you can provide excellent care for your pet while staying within your budget. Here are six tips to help you save money on pet care.

1. Adopt, Don’t Shop

If you’re looking to add a pet to your family, consider adopting from a shelter as a cost-effective and compassionate option. Adopting a pet gives a homeless animal a loving home while also saving you money. Adoption fees are typically much lower than costs from a breeder, and many adopted pets come fully vaccinated and spayed or neutered, greatly reducing your initial costs.

2. Choose the Right Veterinarian

Finding the right veterinarian is crucial for your budget and your pet’s health. Take the time to research and compare costs from different vets in your area. Ask about the price of routine checkups, vaccinations, and emergency services. Don’t hesitate to ask for recommendations from other pet owners and switch vets if you find a more affordable or suitable option. A good vet will prioritize your pet’s health while offering fair prices.

3. Invest in Preventative Care

Preventative care is key to avoiding costly medical issues down the road. It may sound counterintuitive, but spending money upfront can prevent excessive costs in the future. Scheduling regular checkups, vaccinations, and dental cleanings can help prevent more serious health problems that could lead to expensive treatments and emergency visits at a premium cost. Some veterinarians offer wellness plans that cover routine care for a monthly fee, which can help you budget for these expenses. Alternatively, look for low-cost clinics in your area that provide discounted services through veterinary schools or non-profit organizations.

4. Shop Smart for Pet Medications

Just like human medications, the price of pet prescriptions can vary widely depending on where you purchase them. Before buying, compare prices from different sources including your vet, local pet stores, and online retailers like 1-800-PetMeds, PetCareRx, and Chewy. You may also find good deals at Costco or on Amazon. Remember to ask your vet if there’s a generic version of the medication that could save you money.

5. Buy Quality Pet Food

Similar to preventative care, investing in high-quality pet food can save you money in the long run. A nutritious diet leads to better health, reducing the likelihood of expensive vet visits. Look for food subscriptions from online retailers like Chewy, where you can often save by setting up automatic deliveries. Prioritize your pet’s health with a balanced diet and regular exercise to avoid preventable health issues.

6. Get Creative with Pet Toys

You don’t need to spend a fortune on pet toys to keep your furry friends entertained. Pets are often just as happy playing with simple items like cardboard boxes or other safe household objects as they are with store bought toys. If you want to buy new toys on special occasions, consider shopping at discount stores or wholesale clubs, where you can find quality toys at a lower cost.

Navigate Pet Ownership & Budgeting with First Financial

Caring for a pet doesn’t have to break the bank. By adopting smart strategies, you can enjoy pet companionship without straining your budget. For more personalized financial advice and tips on saving money and managing your budget, call us at 732.312.1500, visit a branch, or explore our services online. Don’t forget to subscribe to our First Scoop blog for more valuable insights on saving money and achieving your financial goals.