The important part is to start now, because financial health plays a critical role in overall health. Having your finances in order can decrease your stress levels and can empower you with options for spending your money and creating the life you want.  

2. Eliminate Additional Expenses -- There are many ways to cut costs in our daily lives, and over time the savings can really add up. Whether you want to start cooking at home, cutting subscriptions and memberships that you no longer use, or find ways to save when shopping, here are a few tips:  

• Cooking at home can save you money and is also a healthier option than eating out. Whether it’s buying food in bulk or cutting coupons, you can eat healthy while helping your bottom line. 

• Consider purchasing the off-brand/store brand version of items. They are often the exact same product, materials, ingredients and taste -- just a different label. 

• Review subscriptions and memberships you are no longer using and close these accounts to eliminate monthly fees. 

• Set weekly or monthly budget amounts for groceries, entertainment and eating out to make sure you are not overspending. 

3. Take Advantage of Free Activities -- Local no-cost activities allow you to put the cash you would have spent on pricey entertainment into your savings account instead. Many companies and organizations have transitioned to all-virtual platforms. For example, libraries allow you to rent books, including audiobooks and movies online or via an app. Social media has provided many avenues to participate in free networking events, concerts, Q&As, webinars and more. Gyms and fitness trainers are providing free online workouts, SDSU has a great list of virtual workout resources. Now is a perfect time to get outside, get fit and explore new areas in San Diego.