Budget. Did you just get cold chills reading that word? It’s not a popular word, and it’s certainly not a popular idea. Typically, the idea of a budget is enough to take away any sense of fun you have when thinking about spending your money.
But, it doesn’t have to be. There are several benefits to creating a monthly budget.
There are obvious benefits to creating and maintaining a budget, and there are just as many tools to help you budget as there are benefits.
So, where do you start?
First, figure out how much you make each month. Then, figure out how much you spend. Once you figure out what you’re bringing in vs. what you’re spending, you can start creating specific categories for your money. This is where you get to tell your money what to do.
Now, you’ve got a basic budget in place. You know what you’re making, what you’re spending, and your money has a specific goal. But, how do you keep track of all that information in a manageable way?
Budget apps! The great thing about budget apps – not only do they keep track of your budget, but you can take it with you everywhere you go.
Of course, while you’re downloading apps, make sure you’re using our app. At Columbine Federal Credit Union, our app allows you to check your balances, transfer money, check your spending and deposit checks remotely. Still have questions about budgeting and financial planning? Talk to one of our member service representatives and let us help get you on track.
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