🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 96 (from laksa052)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa096.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.citizensbank.com/learning/ideas-to-save-money.aspx\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.citizensbank.com/learning/ideas-to-save-money.aspx\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx","crawl_time":1775499303,"first_indexed_time":1578958702,"http_code":200,"src_unparsed":"com,citizensbank!www,\/learning\/ideas-to-save-money.aspx s443","src_root_hash":"448972343396181896","history_drop_reason":null,"meta_title":"4 tricks to become better at saving | Ideas to save money | Citizens","meta_descriptions":["Looking to make saving money a bigger priority? Visit Citizens and check out four tricks that can help you become a better saver. Money saving tips are just a click away."],"attrs_boilerpipe_text":"Key takeaways\nCreate a consistent savings plan\nDo your saving on pay day\nSet up automatic transfers\nTake full advantage of salary increases\nHere’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward.\nHere are four simple money-saving tips to help you take an active approach to saving:\n1. Create a consistent savings plan\nThis might seem daunting at first but allow us to explain!\nRight now, you might be saving random amounts from each paycheck. Maybe $50 one pay period, $122 the next. Want to make things a bit more official? Come up with a\nsavings target\nthat you try to hit every month.\nHow do you do this?\nStart by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending.\nNext, take that amount and subtract all of your monthly bill payments, such as rent\/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on.\nThen, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future.\nThe amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month.\nNow, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less.\nRegardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month.\n2. Do your saving on pay day\nHere’s an easy way to put saving before spending. Literally.\nWhen your paycheck gets\ndirectly deposited\ninto your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done!\nToo often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more.\n3. Set up automatic transfers\nNow, let’s take the effort out of saving!\nSet up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that?\nBonus tip:\nSet up goal-specific savings accounts, or use\nCitizens Savings Tracker\n®\n1\n, and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years.\nLooking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account.\n4. Take full advantage of salary increases\nGetting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income!\nSometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out.\nInstead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings.\nNow, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending.\nReady to tackle your financial goals?\nWherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your\nchecking\nto your savings account, you can set money aside and watch your savings add up.\nSave for now, plan for later with our savings solutions.","attrs_markdown":"[![citizens](https:\/\/www.citizensbank.com\/assets\/CB_resources\/images\/cbds-logos\/logo-citizens__horz-green.svg)](https:\/\/www.citizensbank.com\/homepage.aspx)\n\n- [Español](https:\/\/www.citizensbank.com\/es\/homepage.aspx)\n- [Find a Branch\/ATM](https:\/\/www.citizensbank.com\/customer-service\/branch-locator.aspx)\n- [Customer Service](https:\/\/www.citizensbank.com\/customer-service\/contact-us.aspx)\n\nLog in\n\n- [Personal](https:\/\/www.citizensbank.com\/homepage.aspx \"Personal Navigation\")\n- [Student](https:\/\/www.citizensbank.com\/student\/overview.aspx \"Student Navigation\")\n- [Business](https:\/\/www.citizensbank.com\/small-business\/overview.aspx \"Business Navigation\")\n- [Corporate](https:\/\/www.citizensbank.com\/corporate-finance\/overview.aspx \"Corporate 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Company](https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx \"Our Company Navigation\")\n  - [Sustainability & Impact](https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx \"Sustainability & Impact Navigation\")\n  - [Newsroom](https:\/\/investor.citizensbank.com\/about-us\/newsroom\/latest-news\/2025.aspx \"Newsroom Navigation\")\n  - [Careers](https:\/\/jobs.citizensbank.com\/?utm_source=citizensbank.com&utm_medium=referral&utm_campaign=careersite \"Careers Navigation\")\n  - [Investor Relations](https:\/\/investor.citizensbank.com\/about-us\/investor-relations.aspx \"Investor Relations Navigation\")\n\n[Header Name](https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx)\n\n- [Español](https:\/\/www.citizensbank.com\/es\/homepage.aspx)\n- [Find a Branch\/ATM](https:\/\/www.citizensbank.com\/customer-service\/branch-locator.aspx)\n- [Customer Service](https:\/\/www.citizensbank.com\/customer-service\/contact-us.aspx)\n\nLog in\n\nSelect a secure login\n\nLog in\n\n[Trouble logging in?](https:\/\/www.citizensbankonline.com\/olb-root\/trouble)\n\nNew to Online Banking?  [Enroll Now](https:\/\/www.citizensbankonline.com\/olb-root\/enrollment)\n\n# 4 easy tricks to become better at saving money\n![\/](https:\/\/p1.aprimocdn.net\/citizensbank\/8981bfe1-27fb-4011-abba-aec2005a2787\/GettyImages%201147468137_H1Hero.jpg)\n\n## Key takeaways\n1. Create a consistent savings plan\n2. Do your saving on pay day\n3. Set up automatic transfers\n4. Take full advantage of salary increases\n\nHere’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward.\n\nHere are four simple money-saving tips to help you take an active approach to saving:\n## 1\\. Create a consistent savings plan\nThis might seem daunting at first but allow us to explain\\!\n\nRight now, you might be saving random amounts from each paycheck. Maybe \\$50 one pay period, \\$122 the next. Want to make things a bit more official? Come up with a [savings target](https:\/\/www.citizensbank.com\/learning\/budgeting-strategies.aspx) that you try to hit every month.\n\nHow do you do this?\n\n- Start by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending.\n- Next, take that amount and subtract all of your monthly bill payments, such as rent\/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on.\n- Then, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future.\n- The amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month.\n\nNow, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less.\n\nRegardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month.\n## 2\\. Do your saving on pay day\nHere’s an easy way to put saving before spending. Literally.\n\nWhen your paycheck gets [directly deposited](https:\/\/www.citizensbank.com\/learning\/setup-direct-deposit.aspx) into your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done\\!\n\nToo often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more.\n## 3\\. Set up automatic transfers\nNow, let’s take the effort out of saving\\!\n\nSet up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that?\n\n**Bonus tip:** Set up goal-specific savings accounts, or use [Citizens Savings Tracker](https:\/\/www.citizensbank.com\/savings\/savings-accounts\/savings-tracker.aspx)®1, and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years.\n\nLooking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account.\n\n[![Keep your savings goals on track. Citizens Savings Tracker helps you save in just a few taps. Follow the link to learn more. Member FDIC.](https:\/\/www.citizensbank.com\/dam\/225f8514-c51f-4232-9df0-b40a0114d0f7\/2851060_an_savings_tracker_visual_cta_revision_1600x684-webdownsize.jpg)](https:\/\/www.citizensbank.com\/savings\/savings-accounts\/savings-tracker.aspx)\n## 4\\. Take full advantage of salary increases\nGetting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income\\!\n\nSometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out.\n\nInstead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings.\n\nNow, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending.\n## Ready to tackle your financial goals?\nWherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your [checking](https:\/\/www.citizensbank.com\/checking\/overview.aspx) to your savings account, you can set money aside and watch your savings add up.\n\n## Save for now, plan for later with our savings solutions.\n[Start saving](https:\/\/www.citizensbank.com\/savings\/savings-accounts\/overview.aspx?WT.ac=CB_L_InlineLink_Savings_S_StartSaving_A471)\n## Related topics\n![small business recovery program](https:\/\/p1.aprimocdn.net\/citizensbank\/9ae36d26-35b5-449a-a93f-affd00e2b28c\/GettyImages%20961031254_Featured%20Grid%20Non-Retina.jpg)\n\n### 7 barriers that keep us from saving money\nWhat barriers are holding you back from saving money? Check out this list to see if any of these are tripping you up.\n\n[Learn more](https:\/\/www.citizensbank.com\/learning\/barriers-to-saving-money.aspx)\n\n![RTM](https:\/\/p1.aprimocdn.net\/citizensbank\/43abd6d3-9d2d-4a3f-8de4-aec2005a736f\/GettyImages%20512982318_Feature%20Grid%20R.jpg)\n\n### Saving for something fun? Don't let student loans get in the way\nHow does saving work with Student Loans? Learn when repayment starts, your repayment options, and when refinancing could make financial sense.\n\n[Learn more](https:\/\/www.citizensbank.com\/learning\/saving-with-student-loans.aspx)\n\n![veteran family photo operation made](https:\/\/p1.aprimocdn.net\/citizensbank\/e241dc83-2526-4898-a5d5-aec2005b263d\/GettyImages%20913439060_Feature%20Grid%20R.jpg)\n\n### How could a financial advisor help you?\nLearn how a financial advisor can help you achieve your goals from retirement to estate planning.\n\n[Learn more](https:\/\/www.citizensbank.com\/learning\/financial-advisor-benefits.aspx)\n\n![citizens](https:\/\/www.citizensbank.com\/assets\/CB_resources\/images\/cbds-logos\/logo-citizens__horz-green.svg)\n\n##### Company\n- [About Us](https:\/\/www.citizensbank.com\/about-us\/overview.aspx)\n- [Career](https:\/\/jobs.citizensbank.com\/?utm_source=citizensbank.com&utm_medium=referral&utm_campaign=careersite)\n- [Community](https:\/\/www.citizensbank.com\/about-us\/community.aspx)\n\n##### Help\n- [Contact Us](https:\/\/www.citizensbank.com\/customer-service\/contact-us.aspx)\n- [Resource en español](https:\/\/www.citizensbank.com\/es\/homepage.aspx)\n\n##### Resources\n- [Branch Locator](https:\/\/www.citizensbank.com\/customer-service\/branch-locator.aspx)\n- [Financial Education](https:\/\/www.citizensbank.com\/learning\/overview.aspx)\n- [Share Feedback](https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx#0)\n\n- [About Our Ads](https:\/\/www.citizensbank.com\/about-our-ads\/overview.aspx)\n- [Site Requirements](https:\/\/www.citizensbank.com\/site-requirements\/overview.aspx)\n- [Security & Legal](https:\/\/www.citizensbank.com\/account-safeguards\/overview.aspx)\n- [Privacy Rights](https:\/\/www.citizensbank.com\/account-safeguards\/privacy.aspx)\n- [Accessibility](https:\/\/www.citizensbank.com\/ada-compliance\/overview.aspx)\n- [Do Not Sell or Share My Personal Information](https:\/\/www.citizensbank.com\/learning\/ideas-to-save-money.aspx)\n\n©  Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC\n\n1 Subject to account eligibility. Only available on the Citizens Mobile Banking application. Text and data rates may apply.\n\n**Disclaimer:** The information contained herein is for informational purposes only as a service to the public, and is not legal advice or a substitute for legal counsel. You should do your own research and\/or contact your own legal or tax advisor for assistance with questions you may have on the information contained herein.","attrs_readable_markdown":"![\/](https:\/\/p1.aprimocdn.net\/citizensbank\/8981bfe1-27fb-4011-abba-aec2005a2787\/GettyImages%201147468137_H1Hero.jpg)\n\n## Key takeaways\n1. Create a consistent savings plan\n2. Do your saving on pay day\n3. Set up automatic transfers\n4. Take full advantage of salary increases\n\nHere’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward.\n\nHere are four simple money-saving tips to help you take an active approach to saving:\n\n1\\. Create a consistent savings plan\n\nThis might seem daunting at first but allow us to explain\\!\n\nRight now, you might be saving random amounts from each paycheck. Maybe \\$50 one pay period, \\$122 the next. Want to make things a bit more official? Come up with a [savings target](https:\/\/www.citizensbank.com\/learning\/budgeting-strategies.aspx) that you try to hit every month.\n\nHow do you do this?\n\n- Start by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending.\n- Next, take that amount and subtract all of your monthly bill payments, such as rent\/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on.\n- Then, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future.\n- The amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month.\n\nNow, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less.\n\nRegardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month.\n\n2\\. Do your saving on pay day\n\nHere’s an easy way to put saving before spending. Literally.\n\nWhen your paycheck gets [directly deposited](https:\/\/www.citizensbank.com\/learning\/setup-direct-deposit.aspx) into your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done\\!\n\nToo often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more.\n\n3\\. Set up automatic transfers\n\nNow, let’s take the effort out of saving\\!\n\nSet up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that?\n\n**Bonus tip:** Set up goal-specific savings accounts, or use [Citizens Savings Tracker](https:\/\/www.citizensbank.com\/savings\/savings-accounts\/savings-tracker.aspx)®1, and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years.\n\nLooking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account.\n\n[![Keep your savings goals on track. Citizens Savings Tracker helps you save in just a few taps. Follow the link to learn more. Member FDIC.](https:\/\/www.citizensbank.com\/dam\/225f8514-c51f-4232-9df0-b40a0114d0f7\/2851060_an_savings_tracker_visual_cta_revision_1600x684-webdownsize.jpg)](https:\/\/www.citizensbank.com\/savings\/savings-accounts\/savings-tracker.aspx)\n\n4\\. Take full advantage of salary increases\n\nGetting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income\\!\n\nSometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out.\n\nInstead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings.\n\nNow, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending.\n\nReady to tackle your financial goals?\n\nWherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your [checking](https:\/\/www.citizensbank.com\/checking\/overview.aspx) to your savings account, you can set money aside and watch your savings add up.\n\nSave for now, plan for later with our savings solutions.","meta_canonical":null}

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Boilerpipe Text	Key takeaways Create a consistent savings plan Do your saving on pay day Set up automatic transfers Take full advantage of salary increases Here’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward. Here are four simple money-saving tips to help you take an active approach to saving: 1. Create a consistent savings plan This might seem daunting at first but allow us to explain! Right now, you might be saving random amounts from each paycheck. Maybe $50 one pay period, $122 the next. Want to make things a bit more official? Come up with a savings target that you try to hit every month. How do you do this? Start by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending. Next, take that amount and subtract all of your monthly bill payments, such as rent/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on. Then, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future. The amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month. Now, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less. Regardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month. 2. Do your saving on pay day Here’s an easy way to put saving before spending. Literally. When your paycheck gets directly deposited into your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done! Too often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more. 3. Set up automatic transfers Now, let’s take the effort out of saving! Set up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that? Bonus tip: Set up goal-specific savings accounts, or use Citizens Savings Tracker ® 1 , and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years. Looking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account. 4. Take full advantage of salary increases Getting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income! Sometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out. Instead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings. Now, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending. Ready to tackle your financial goals? Wherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your checking to your savings account, you can set money aside and watch your savings add up. Save for now, plan for later with our savings solutions.
Markdown	[![citizens](https://www.citizensbank.com/assets/CB_resources/images/cbds-logos/logo-citizens__horz-green.svg)](https://www.citizensbank.com/homepage.aspx) - [Español](https://www.citizensbank.com/es/homepage.aspx) - [Find a Branch/ATM](https://www.citizensbank.com/customer-service/branch-locator.aspx) - [Customer Service](https://www.citizensbank.com/customer-service/contact-us.aspx) Log in - [Personal](https://www.citizensbank.com/homepage.aspx "Personal Navigation") - [Student](https://www.citizensbank.com/student/overview.aspx "Student Navigation") - [Business](https://www.citizensbank.com/small-business/overview.aspx "Business Navigation") - [Corporate](https://www.citizensbank.com/corporate-finance/overview.aspx "Corporate Navigation") - [Private Bank](https://www.citizensbank.com/private-banking/overview.aspx "Private Bank Navigation") - [About Us](https://www.citizensbank.com/about-us/overview.aspx "About Us Navigation") Log in - [Checking Accounts](https://www.citizensbank.com/learning/ideas-to-save-money.aspx "Checking Accounts Navigation") [Open a Checking Account](https://www.citizensbank.com/checking/overview.aspx "Open a Checking Account Navigation") - 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[Español](https://www.citizensbank.com/es/homepage.aspx) - [Find a Branch/ATM](https://www.citizensbank.com/customer-service/branch-locator.aspx) - [Customer Service](https://www.citizensbank.com/customer-service/contact-us.aspx) Log in Select a secure login Log in [Trouble logging in?](https://www.citizensbankonline.com/olb-root/trouble) New to Online Banking? [Enroll Now](https://www.citizensbankonline.com/olb-root/enrollment) # 4 easy tricks to become better at saving money ![/](https://p1.aprimocdn.net/citizensbank/8981bfe1-27fb-4011-abba-aec2005a2787/GettyImages%201147468137_H1Hero.jpg) ## Key takeaways 1. Create a consistent savings plan 2. Do your saving on pay day 3. Set up automatic transfers 4. Take full advantage of salary increases Here’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward. Here are four simple money-saving tips to help you take an active approach to saving: ## 1\. Create a consistent savings plan This might seem daunting at first but allow us to explain\! Right now, you might be saving random amounts from each paycheck. Maybe \$50 one pay period, \$122 the next. Want to make things a bit more official? Come up with a [savings target](https://www.citizensbank.com/learning/budgeting-strategies.aspx) that you try to hit every month. How do you do this? - Start by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending. - Next, take that amount and subtract all of your monthly bill payments, such as rent/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on. - Then, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future. - The amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month. Now, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less. Regardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month. ## 2\. Do your saving on pay day Here’s an easy way to put saving before spending. Literally. When your paycheck gets [directly deposited](https://www.citizensbank.com/learning/setup-direct-deposit.aspx) into your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done\! Too often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more. ## 3\. Set up automatic transfers Now, let’s take the effort out of saving\! Set up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that? Bonus tip: Set up goal-specific savings accounts, or use [Citizens Savings Tracker](https://www.citizensbank.com/savings/savings-accounts/savings-tracker.aspx)®1, and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years. Looking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account. [![Keep your savings goals on track. Citizens Savings Tracker helps you save in just a few taps. Follow the link to learn more. Member FDIC.](https://www.citizensbank.com/dam/225f8514-c51f-4232-9df0-b40a0114d0f7/2851060_an_savings_tracker_visual_cta_revision_1600x684-webdownsize.jpg)](https://www.citizensbank.com/savings/savings-accounts/savings-tracker.aspx) ## 4\. Take full advantage of salary increases Getting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income\! Sometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out. Instead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings. Now, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending. ## Ready to tackle your financial goals? Wherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your [checking](https://www.citizensbank.com/checking/overview.aspx) to your savings account, you can set money aside and watch your savings add up. ## Save for now, plan for later with our savings solutions. [Start saving](https://www.citizensbank.com/savings/savings-accounts/overview.aspx?WT.ac=CB_L_InlineLink_Savings_S_StartSaving_A471) ## Related topics ![small business recovery program](https://p1.aprimocdn.net/citizensbank/9ae36d26-35b5-449a-a93f-affd00e2b28c/GettyImages%20961031254_Featured%20Grid%20Non-Retina.jpg) ### 7 barriers that keep us from saving money What barriers are holding you back from saving money? Check out this list to see if any of these are tripping you up. [Learn more](https://www.citizensbank.com/learning/barriers-to-saving-money.aspx) ![RTM](https://p1.aprimocdn.net/citizensbank/43abd6d3-9d2d-4a3f-8de4-aec2005a736f/GettyImages%20512982318_Feature%20Grid%20R.jpg) ### Saving for something fun? Don't let student loans get in the way How does saving work with Student Loans? Learn when repayment starts, your repayment options, and when refinancing could make financial sense. [Learn more](https://www.citizensbank.com/learning/saving-with-student-loans.aspx) ![veteran family photo operation made](https://p1.aprimocdn.net/citizensbank/e241dc83-2526-4898-a5d5-aec2005b263d/GettyImages%20913439060_Feature%20Grid%20R.jpg) ### How could a financial advisor help you? Learn how a financial advisor can help you achieve your goals from retirement to estate planning. [Learn more](https://www.citizensbank.com/learning/financial-advisor-benefits.aspx) ![citizens](https://www.citizensbank.com/assets/CB_resources/images/cbds-logos/logo-citizens__horz-green.svg) ##### Company - [About Us](https://www.citizensbank.com/about-us/overview.aspx) - [Career](https://jobs.citizensbank.com/?utm_source=citizensbank.com&utm_medium=referral&utm_campaign=careersite) - [Community](https://www.citizensbank.com/about-us/community.aspx) ##### Help - [Contact Us](https://www.citizensbank.com/customer-service/contact-us.aspx) - [Resource en español](https://www.citizensbank.com/es/homepage.aspx) ##### Resources - [Branch Locator](https://www.citizensbank.com/customer-service/branch-locator.aspx) - [Financial Education](https://www.citizensbank.com/learning/overview.aspx) - [Share Feedback](https://www.citizensbank.com/learning/ideas-to-save-money.aspx#0) - [About Our Ads](https://www.citizensbank.com/about-our-ads/overview.aspx) - [Site Requirements](https://www.citizensbank.com/site-requirements/overview.aspx) - [Security & Legal](https://www.citizensbank.com/account-safeguards/overview.aspx) - [Privacy Rights](https://www.citizensbank.com/account-safeguards/privacy.aspx) - [Accessibility](https://www.citizensbank.com/ada-compliance/overview.aspx) - [Do Not Sell or Share My Personal Information](https://www.citizensbank.com/learning/ideas-to-save-money.aspx) © Citizens Financial Group, Inc. 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Readable Markdown	![/](https://p1.aprimocdn.net/citizensbank/8981bfe1-27fb-4011-abba-aec2005a2787/GettyImages%201147468137_H1Hero.jpg) ## Key takeaways 1. Create a consistent savings plan 2. Do your saving on pay day 3. Set up automatic transfers 4. Take full advantage of salary increases Here’s some good news: It’s easier than you might think! A few minor changes in habit can make saving money part of your routine instead of an afterthought. That way you’re putting more money away for all the exciting financial milestones you’re working toward. Here are four simple money-saving tips to help you take an active approach to saving: 1\. Create a consistent savings plan This might seem daunting at first but allow us to explain\! Right now, you might be saving random amounts from each paycheck. Maybe \$50 one pay period, \$122 the next. Want to make things a bit more official? Come up with a [savings target](https://www.citizensbank.com/learning/budgeting-strategies.aspx) that you try to hit every month. How do you do this? - Start by calculating your monthly income — after taxes and any pre-tax contributions — to know how much you have each month for bills, saving, and spending. - Next, take that amount and subtract all of your monthly bill payments, such as rent/mortgage, student loan payment(s), car payment, car insurance, utility and electric bill, gym membership, and so on. - Then, figure out how much you spend each month on recurring expenses — grocery shopping, gas, entertainment, subscriptions, streaming services and anything else. Subtract that amount from your remaining budget. You can also set aside a small amount for a rainy day or emergency fund for the future. - The amount that remains is your savings potential. In theory, this dollar amount is how much you could be saving each month. Now, whether you end up saving that entire savings potential each month is up to you. Perhaps you want to save more and decide to cut back on some of your entertainment expenses. Or maybe you're concerned about overextending yourself, so you decide to save a little less. Regardless, your savings potential can be used as a guide to decide on your monthly savings goal. And it’ll help you better assess your savings skills each month. 2\. Do your saving on pay day Here’s an easy way to put saving before spending. Literally. When your paycheck gets [directly deposited](https://www.citizensbank.com/learning/setup-direct-deposit.aspx) into your account, make saving your first order of business … before you make any purchases. Log onto your bank’s mobile app that morning, make your transfer(s), and boom — you’re done\! Too often, we spend our paychecks and save whatever’s left over at the end. However, by putting saving first, you’ll rest easy for the remainder of your pay period knowing that your savings are taken care of. Plus, you’ll have a much better idea of what money is OK to spend on nonessentials — concert tickets, dinner dates, and more. 3\. Set up automatic transfers Now, let’s take the effort out of saving\! Set up automatic transfers so that every payday, the appropriate amount of money gets automatically deposited into your bank account(s) without you having to so much as lift a finger. Automatic transfers take all the thinking and stress out of saving money. It’s taken care of for you. How nice is that? Bonus tip: Set up goal-specific savings accounts, or use [Citizens Savings Tracker](https://www.citizensbank.com/savings/savings-accounts/savings-tracker.aspx)®1, and make separate automatic transfers into each account regularly. You can then monitor your progress toward each of your goals, whether it’s a new car, Caribbean vacation, down payment on a home, retirement savings or kitchen renovation you’ve been dreaming of for years. Looking for an alternative? Set up direct deposit from your paycheck to your savings account or a money market account so those funds never touch your checking account. [![Keep your savings goals on track. Citizens Savings Tracker helps you save in just a few taps. Follow the link to learn more. Member FDIC.](https://www.citizensbank.com/dam/225f8514-c51f-4232-9df0-b40a0114d0f7/2851060_an_savings_tracker_visual_cta_revision_1600x684-webdownsize.jpg)](https://www.citizensbank.com/savings/savings-accounts/savings-tracker.aspx) 4\. Take full advantage of salary increases Getting a raise is a pretty awesome feeling. Now, let’s make sure you’re doing your best to maximize that new income\! Sometimes, we get so caught up in our new salaries — from a promotion or yearly bonus — that we use too much of the extra income on nonessentials and impulse purchases. Maybe we splurge on a new car when our current one is perfectly fine. Or we feel our higher salary justifies a new lifestyle of spending way more on clothing or dining out. Instead, allocate as much of your extra salary to savings as you can. It wasn’t too long ago that you got by on a lesser salary. So, in theory, you could put all that extra money towards savings. Now, expecting yourself to save all that extra salary would be unrealistic. After all, life expenses naturally change over time. The point is this: Try not to use a higher salary as an excuse to add unnecessary expenses to your life, while leaving your savings as is. Do your best to keep your expenses as close to your pre-raise life as you can to pocket a lot of that extra cash coming in vs overspending. Ready to tackle your financial goals? Wherever you are in your financial journey, Citizens is here to help – with banking that stands with you and grows with you. With automatic transfers from your [checking](https://www.citizensbank.com/checking/overview.aspx) to your savings account, you can set money aside and watch your savings add up. Save for now, plan for later with our savings solutions.
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