Steps to balance your spending and saving

Set your goals

Begin to get your finances organized by setting your goals. When it comes to healthy money habits, it can help to have objectives in mind. Be sure to consider short-term goals as well as the things you want to achieve longer term.

Build a budget

A budget is essentially a way to manage the money that is coming in and out every month. Create your personalized budget with our calculator which can help you think about your money in terms of needs, wants and savings.

Set your plan in motion

Help keep your plan on track by making it easy. Save time and simplify by paying bills online, or even setting up automated bill pay. Additionally, you can set up direct deposit to have money automatically set aside for your goals.

Understand your credit score

Your credit score is more than just a number, it's an important component of your finances. Start by reviewing your credit report to understand your score and then look for ways to make improvements

Make adjustments

Be sure to revisit over time as your goals and circumstances change. Be sure to check in on your budget frequently to keep yourself accountable. Also, look for ways to spend less so that you can save more and get to those goals even faster.

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