Turn Small Habits Into Big Savings! How to Find a Savings Strategy That Works for You

Our weekly#CreditChatstarted in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by@Experianon X (formerly Twitter) and all are welcome to participate. DM us any questions.

Don’t miss this week’s #CreditChat! We’ll discuss practical tips for overcoming financial anxiety, setting empowering goals, and cultivating positive money habits for lasting confidence. Let’s make 2025 the year you take control of your finances and thrive!

Topic: Turn Small Habits Into Big Savings! How to Find a Savings Strategy That Works for You

When: Wednesday, January 22, 2025 at 3 p.m. ET.

Where: Join the live hashtag discussion

The panel will include: Beverly Harzog: Credit Card Expert, Bestselling Author, columnist and podcast host at BeverlyHarzog.com; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.

Gift Card Giveaway
Enter here for a chance to win a $50 Amazon gift card! We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET. Complete rules here.

Questions we will discuss:

1. Can you share one daily habit that has had the biggest impact on your ability to save money?  
2. How can someone analyze their recurring expenses to determine which costs to reduce, renegotiate, or eliminate entirely? 
3. For someone who struggles to stick to a budget, what are some alternative strategies for building savings without tracking every penny? 
4. What are the most effective ways to minimize lifestyle inflation and redirect those savings toward long-term financial goals? 
5. How can someone take advantage of seasonal or periodic windfalls (e.g., tax refunds, holiday bonuses) to strengthen their savings plan? 
6. What are some strategies to save consistently even with a fluctuating income? 
7. What’s a good approach to prioritize multiple savings goals, such as an emergency fund, retirement, or a vacation?  
8. What habit-building strategies work best for someone who tends to break their saving commitments?
9. What’s the best way to integrate a “no-spend challenge” or “low-spend” challenge into a savings strategy? 
10. What’s the best way to measure the success of a savings strategy, and how often should it be revisited or adjusted? 

Check out our complete list of upcoming personal finance Twitter chats here