Use quotation marks for spoken words or short quoted phrases.

Put commas and periods inside closing quotation marks.

Other punctuation marks (colons, semicolons, question marks, exclamation points) go outside closing quotation marks, unless they’re part of the quote.

Avoid using quotation marks for emphasis. Instead, bold words or phrases you want to emphasize.

Examples

“Just sorted four months of transactions in 20 minutes.”

“It’s a huge efficiency,” he said, “that also saves us money each month.”

I’m not sure we need “each month”—should we just end with “saves us money”?