“Take a hard look at where you’re spending and consider ways to reduce costs,” said Nicole Watson, SVP and territory delivery director at UMB Bank. “For example, if you’ve turned to food delivery or grocery delivery during the pandemic, you may have noticed an uptick in items you wouldn’t normally purchase. Impulse buying snacks can be just as easy with a click as it is with tossing items into a cart. Aim to cook more at home or stick to your must-have grocery needs.” (iStock)