What’s Your Financial Animal Style?

I participated in an Influencer Program on behalf of Mom Central for TCF Bank. I received a promotional item to thank me for participating

Growing up as the daughter of an accountant, it’s probably to be expected that I try my best to keep our finances in order and try to live frugally. So, it was no surprise when I took TCF Bank’s Financial Animal quiz on Facebook that I got this result:

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I’m a Coyote. I’m a crafty scavenger, always on the hunt for a bargain. My ideal day is spent digging in the couch cushions for spare change, clipping coupons and scouring the web for promo codes. It can be a lot of work, but it’s totally worth it for the sense of accomplishment I feel after scoring a killer deal.

While I’m really not into extreme couponing, I’m always looking for the best deals, and I usually refuse to purchase something unless I know I’m getting the absolutely lowest price. I’m always looking for (and using) money saving apps on my smart phone, and I like to think I’m quite savvy when it comes to saving money online, as well as in store.

As I was taking the quiz, I did realize that, while I’m good at finding deals, I don’t know the best ways to save my money (as in, which bank accounts are most beneficial, how much I should set aside for retirement, etc.) So, in honor of Financial Literacy Month, I’ve decided to research that topic, so I can not only feel like I’m saving money when I’m making purchases, but just in general!

TCF Bank has a lot of great resources for anyone who is wanting to get better at money management, no matter what their Financial Animal style is. They have articles, videos, and a lot of interactive ways to learn, and they are really committed to helping educate everyone.

Here are a few things I do to save money:

  • We buy a lot of things used — for instance, we often go to the second hand children’s clothing store to buy things for Jack. These stores have really strict qualifications for the clothes they sell, and we’ve walked out of there with practically brand new, name brand outfits for him, for very cheaply (sometimes just a dollar.) When you have kids that are constantly growing out of their clothes, this is especially a good idea, so you don’t constantly have to be spending tons of money on clothes they wear twice before growing out of them.
  • I use apps on my mobile phone to help me get cash back on purchases that I make
  • I set aside a little bit of what we make each month to our savings account
  • I don’t extreme coupon, but if I’m looking for something specific, I do search around for a good coupons (there’s a lot of great coupon databases online!)
  • I research the best deals — someday, when we are going to buy a house, I’ll use a website like Switch My Loan to compare the best home loans so we are getting the most bang for our buck. When I was pregnant with Jack, I shopped around for the best deals on all the equipment we had to buy. Even though it takes time to research, it pays off in the end.

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