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Budgeting is an essential aspect of financial planning, and it's something that everyone should practice, regardless of their income level. Budgeting helps you manage your money effectively and prioritize your expenses to ensure that you meet your financial obligations and achieve any of your financial goals from taking out a mortgage to saving up for a new auto or used auto.

St. Anne’s Credit Union Budget Making Tool List

Creating a Budget Plan

Financial Literacy Budget Planning

At its core, budgeting is all about creating a plan for your money. It's about figuring out how much money you have coming in, how much you need to spend on essential expenses like rent, utilities, food and transportation and how much you have left over for discretionary spending, saving or investing. When saving or investing funds, be sure to pick a quality local banking account to grow your money such as St. Anne’s Credit Union’s Money Market or Savings Certificate accounts.

To help you create your own personalized budget, we're sharing a free Money Management Planner, which is a comprehensive tool that will help you track your income and expenses, set financial goals, and monitor your progress. With our planner, you can easily see where your money is going and make adjustments as needed to stay on track.

How to Cut Down on Spending

One of the biggest challenges when it comes to budgeting is avoiding unnecessary spending, which can quickly add up and derail your financial plans. To help you avoid this pitfall, we're also presenting you with a Fritter Finder, which is a tool that helps you identify areas where you might be overspending or wasting money.

Financial Literacy Budget Getting Started

Our Fritter Finder is a simple questionnaire that asks you about your spending habits and helps you identify areas where you could cut back or make adjustments. You can even carry it in your wallet or purse so that you can write down each purchase you make throughout the week. Once complete, you'll be able to identify opportunities to save money and put it towards your financial goals.

Get Your Budget Started

Together, our Money Management Planner and Fritter Finder are powerful tools that can help you take control of your finances and achieve your financial goals. Whether you're looking to save for a down payment on a house, pay off debt or build up your emergency fund, our tools can help you get there.
To get started, simply download and print our Money Management Planner and Fritter Finder. Once you've downloaded these tools, take some time to review your finances and set some goals for yourself. With a little discipline and the right tools, you can achieve financial freedom and live the life you've always wanted.

Don’t wait to take control of your finances! Get your customized budget plan and knock out wasteful spending habits today!

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