If time is a precious commodity, here are eight ideas to save time and reduce the stress and anxiety of managing your finances.

1. Sign up for direct deposit. It eliminates trips to the credit union and keeps your money working longer.
2. Sign up for overdraft protection. By linking your checking account to a line of credit and/or savings account, you avoid the cost, hassle and embarrassment of bounced checks.
3. Establish an automatic savings plan. Regular, automatic transfers to a savings account will add up.
4. Use Bill Payment. Eliminate the time consuming task of writing checks.
5. Consolidate your financial relationships. Dealing with one institution makes everything easier. Kitsap Credit Union offers a full-range of financial products to help you.
6. Consider personal financial software. Many programs make handling your finances easier and quicker.
7. Build a safety cushion. Be ready for unexpected expenses or plan for those special vacations.
8. Review your investments. Make sure your asset allocation matches your time horizon and risk tolerance.