4 Habits to Make Your Money Work Harder

From discounts on everyday items to savings account perks and special offers, take full advantage of your NEA benefits and give your bank account a boost.

Fifty Dollar Bill Being Placed in Wallet

by NEA Member Benefits


Saving gives you options, less money stress and more financial freedom, says consumer finance expert Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network. “Money may not buy happiness,” he adds, but it is a vehicle to help us achieve many goals, whether those goals include buying a new piece of furniture, spending time to train for a marathon, providing for a child’s education or saving for retirement.

It can be hard to get to any destination without a map, Gallegos notes. He recommends creating a budget that includes your plans for saving. “The key is not to start with dollars and cents, but with your goals,” he says. Make a list of your goals and use it to guide your budget and plan your savings.

Once you’ve created your roadmap, take full advantage of the NEA member resources that can help you reach your goals. A few simple changes could lead to more money in your pocket!

1. Shop at NEA Click & Save. At NEA Click & Save, you can find discounts from well-known retailers such as Kohl’s, Sears, Macys and many more. And when you shop, you earn reward points—called WOWPoints—which you can apply toward future purchases. Collectively, NEA members have saved more than $10 million just by shopping through NEA Click & Save!

NEA Click & Save also provides a travel booking engine that offers great deals on plane tickets, hotels, vacation packages, rental cars and cruises. As you start to plan your holiday travel, check out the current travel deals and get the most out of your travel dollar.

To find out more about the kinds of everyday items you can buy through NEA Click & Save, read our popular article titled “10 Everyday Discounts You’re Missing Out On.” And shop with our infographic “The Best Times to Buy Just About Anything” to time your purchases to get the best deal.

2. Make your money work harder with an online savings account. It pays to pay yourself first: Set up or add to your emergency fund, start setting aside money for your next vacation or a start a down payment fund for a car. By saving small amounts consistently each month, you’ll meet your goals before you know it.

“Use technology to simplify savings,” suggests Gallegos. Decide how much of each paycheck—or any income source—you want to save. “Establish a monthly savings goal and turn that [goal] into a ‘bill’ to pay,” just as you pay other bills.

Learn why it’s so important to pay yourself first in “9 Reasons You Need an Emergency Fund” and learn more about financial planning in “How to Reach Your Financial Goals Faster.

3. Get the most out of rewards with the NEA Cash Rewards Card. To maximize your cash back, you’ll want to have the NEA Cash Rewards Card in your wallet. You can earn 3% CASH BACK in the CATEGORY OF YOUR CHOICE: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

And there’s a special incentive for new applicants for the card: You can qualify for a special bonus offer by using your new Cash Rewards credit card to make at least $500 in purchases within the first 90 days of your account’s open date.

Read about making the most of all sorts of rewards in our article “Get Rewarded for Holiday Shopping,” and maximize this years’ holiday shopping season.

4. Sign up for NEA Member Benefits newsletters. You’ll get special NEA member travel deals and discounts, along with inspirational destination ideas, when you sign up for NEA Travel. Save on hotel bookings, rental cars and more! And if you're looking for an easy way to save on your everyday shopping, get valuable deals, tips and advice when you sign up for the NEA Member Shopper’s Guide.

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