With Earth Day around the corner, it’s the perfect time to think about ways to reduce our environmental footprint without stretching our wallets. Living a more sustainable lifestyle isn’t just good for the planet, it can also improve your health, foster a sense of community, and help you save money in the long run.

At First Financial, we believe in making smart choices that support your future, financially and environmentally. Here are six affordable ways to start living a little greener.

1. Swap Single Use for Reusable Alternatives

One of the simplest ways to reduce waste is to ditch disposable items in favor of reusable ones. Every day, disposable items add up – both in the landfill and on the wallet. Swap out the disposables for reusable shopping bags, water bottles, coffee mugs, or silicone food storage bags. Reusable products often last much longer and perform better than their single-use counterparts. A little upfront investment can go a long way for the planet and your budget.

2. Rethink Every Purchase

Being mindful of what you buy is one of the most effective ways to live sustainably. Ask yourself:

• Do I really need this?
• Will I use it regularly?
• Could I borrow or buy it secondhand?

By purchasing less and choosing higher-quality, longer-lasting items – you’ll reduce waste and save money in the long run. Opt for goods with minimal packaging, shop locally when you can, and consider checking thrift stores, yard sales, or resale apps before buying something brand new.

3. Make Your Own Cleaning Products

Many store bought cleaners contain harsh chemicals and come with a hefty price tag. Making your own cleaning products is a budget-friendly and eco-conscious alternative. Basic ingredients like white vinegar, baking soda, lemon juice, and essential oils can tackle everything from countertops to windows. For an all-purpose cleaner, try mixing equal parts water and vinegar with a few drops of your favorite essential oil or lemon rinds.

4. Consider Refurbished Electronics

Looking to upgrade your tech? Save money and reduce electronic waste by buying refurbished gadgets. From laptops to smartwatches, refurbished electronics often come with warranties and are restored to like-new condition. Websites like Amazon Renewed can offer great deals without sacrificing quality — plus, you’ll be giving products a second life.

5. Shop Secondhand and Save

Shopping secondhand is not only cost-effective — it’s also great for the environment. When you buy pre-owned clothing, furniture, or home goods, you help keep usable items out of landfills and reduce the demand for new production. Thrift stores, consignment shops, and online platforms like Facebook Marketplace or OfferUp make it easy to find affordable, one-of-a-kind pieces. Bonus: Secondhand shopping is a fun way to uncover hidden gems and fulfill that exciting shopping experience without breaking the bank!

6. Stay on Top of Home Maintenance

Proactive maintenance can extend the life of your home and appliances, reduce energy usage, and help avoid costly emergency repairs. Routine tasks like checking for leaks, cleaning filters, and inspecting insulation — can make your home more efficient. Create a seasonal checklist to keep up with tasks throughout the year. This helps ensure your home runs smoothly and can help you spot issues before they become expensive problems. Don’t forget to build an emergency fund in case of large unexpected expenses, like water heater or roof replacements.

Make Greener Living Part of Your Financial Plan

Living sustainably doesn’t mean spending more — it often means spending smarter. Whether you’re starting with small changes or making larger lifestyle shifts, your choices matter. We’re here to support your journey toward a healthier planet and a stronger financial future. To learn more about managing your money wisely, visit your local branch or subscribe to our First Scoop Blog.