Maintaining a healthy budget can be similar to dieting. It can begin with a well thought out plan and great intentions and then fail due to lack of exercising the behaviors that lead to success. Being a member of loyalty programs is a smart way to redeem incredible discounts and maintain a healthy budget. However, keeping track and taking advantage of them at the right time can be difficult. According to Ron Lieber from the New York Times, Americans acquired $48 billion dollars’ worth of rewards in 2010, and one-third of those rewards will go unused. We have discovered some ways to make organizing and redeeming your rewards easier which will help you to save money and stay within your budget.

Use your loyalty programs and stick to your budget with these three easy steps:

1. Make it easy. Using your loyalty program rewards just got easier. Upon the launch of UseMyBenefits.com you will finally be able to eliminate endless searches and logging into numerous accounts to redeem your benefits. We will simplify the process by providing one place to take advantage of all the member benefits you are entitled to.

2. Become a member. Make sure to sign up for loyalty programs. We have all passed up membership programs for different reasons. Maybe you’re in a rush and feel you don’t have the time. Perhaps you feel it’s too time consuming and confusing to redeem and keep track of your rewards. Well soon you’ll have the answer to your problems withUseMyBenefits.com. If you are not participating in rewards programs yet you may be missing out on countless opportunities to save money on necessities like gas, groceries and travel. Why would you want to miss out on that?

3. Stick with a plan. Make sure you are clear on what changes you will need to make in your spending habits to be successful. You can begin by creating a personal household budget. Take into consideration your income, monthly expenses and what your savings goals are. Use a free online tool like Mint.comor your own spreadsheet to track your financial progress. Set realistic goals: weekly, monthly, quarterly and annually. Whether you are planning to buy a house, spend less, or save more for your retirement put it in your financial plan. Try to keep that in mind when you are making the decisions necessary to reach your goals.

Remember to evaluate your budget each month to see if you are on the right path or if you need to make adjustments. If you track you progress you will see how these small changes can lead to achieving your goals. Make sure you check back at the end of July to start saving time and money with UseMyBenefits.com.