Build a budget
Write down your income and regular expenses. Give every dollar a purpose, while leaving room for savings and unexpected costs.
MONEY BASICS
Money Management
Managing money doesn’t have to be complicated. Start with knowing what comes in, what goes out, and what you’re saving for.
Needs vs. wants
A need is something essential, while a want is something you would like to have. Knowing the difference can make spending decisions easier.
Understand your paycheck
Your paycheck may be less than your advertised hourly wage because taxes and other deductions can come out before you receive it.
Save with a goal
Instead of simply saying “I should save,” choose a goal and a timeline. Even small, consistent amounts can add up.
Money Smart tip: Before buying something, ask yourself: “Is this worth giving up the money I could use for my goal?”