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Become a budgeting pro in no time by following these steps.

1. Determine your goals.

Sit down to determine both long-term and short-term goals. When you budget with a specific goal in mind, you will have an easier time getting to your destination.

2. Analyze your current spending.

Categorize your spending by food, utilities, insurance, medical bills, childcare, after-school activities, etc., then think of how you can make realistic changes.

3. Plan for your goals by putting them in your budget.

Listing your goals as expense items in your budget will help you reach your goals every month while staying within budget.

4. Be flexible, keep track, and always make savings part of your budget.

Try your best to create a realistic, flexible budget that will work for you. Keep your goals in mind every time you use your debit card. Unexpected expenses will happen, so be prepared with an existing emergency fund already in place.

More Budgeting Tips

  • Set up reminders and account alerts with Online Banking or Mobile Banking that provides easy-to-use access online or on your mobile phone. Mobile carrier fees may apply.
  • Use a calendar to consistently make payments on time.
  • Look for ways to cut back on unnecessary expenses. Pack your lunch a few days a week instead of eating out every day. Reconsider any subscription services you may not be using.
  • Check your account activity frequently, while keeping a record of all your recent transactions.

Let us help you master your budgeting needs with our Home Budget Calculator. Easy to use and understand, check out all of our Financial Calculators