Having a good time during the holidays doesn’t have to cost an arm and a leg — all it takes is a little money-management foresight. Honolulu-based Hawaiian Tel Federal Credit Union is one of the premier personal and online banking institutions in the state and wants you to get the biggest bang for your bucks. Since 1936, the credit union has helped members achieve financial independence, which is why they’re offering tips for saving money this Fourth of July.

3 Independence Day Savings Tips From Hawaii’s Online Banking Professionals

1. Take Care of the Cooking

Eating out and ordering food delivery adds up — especially if you have a large group coming over to celebrate the holiday. Cooking food at home is a more affordable option. According to the American Farm Bureau Federation, a 10-person cookout in 2016 was 3% less expensive than the year before, with the total cost coming to $55.84 on average.

2. Watch Fireworks for Free

Fireworks in Hawaii can be handled only by permit holders. Fortunately, there are many fantastic and free Fourth of July pyrotechnic displays you can enjoy, sparing you the expense of purchasing fireworks and a permit. On Oahu, check out the show at Ala Moana Beach Park in Honolulu — it's the biggest in Hawaii.  On Maui, take in the festivities in Lahaina.

3. Create Your Own Outfits

It’s a Fourth of July tradition to wear red, white, and blue, but you don’t have to head to a store to buy Independence Day-themed clothing. Simply use white undershirts you already own or buy an inexpensive pack of them and dress them up with paint, iron-on decals, stickers, colored tape, and other decorative items.

This Fourth of July, remember that managing your money wisely is the key to financial independence. Rely on the personal and online banking professionals at Hawaiian Tel Federal Credit Union for all your checking account, loan, and financial planning. To learn more about their services and find your nearest location, visit hitelfcu.com or call them on Oahu at 832-8700 or toll-free at (800) 272-5255. Like them on Facebook or follow them on Twitter and Instagram to receive updates and tips from Hawaii’s leading financial institution.