The first few months of the year are full of New Year’s resolutions and setting personal goals. It’s also a great time to set new savings goals.

The last couple of years have proven the importance of having an emergency fund. But, as many things have returned to normal, you can also expand your savings plan beyond that. Here are our top three things to save for this year.

1. Emergency fund

Even though many things have returned to normal, you can never predict the future. It’s important to have an emergency fund to cover unexpected expenses, such as:

• Vehicle or home repairs.
• Health and dental care costs.
• Loss of income.

You can open a separate savings account for this fund, or you can use the “Savings Goals” feature in online and mobile banking. 

2. Holiday spending

Didn’t the holidays just end? They sure did, but it’s never too early to start planning for the next holiday season. If you start saving now, you’ll be better equipped to pay for holiday gifts, travel, meals and more when the end of the year rolls around.

You can set money aside in your savings account or open a Holiday Club account.

3. Fun money

Saving for emergencies and the holidays are important, but if you can, plan on saving for yourself too. Put money aside for a vacation, electronics for your home, dining out, or anything else you may want to do for yourself or your family throughout the year.