Plan. Budget. Spend wisely.

With our interactive Budget Builder, making your personalized savings and spending plan is simple.  We’ll take you through a step-by-step process, where you’ll not only have fun creating your budget but also:


The hardest part of setting up a budget is organizing and recording all your expenses, but over time, it will become second nature. With practice, you’ll track your expenses more accurately.

To start, gather your information by pulling together records of all income and expenses, including:


Get an overview of your financial picture with our Budget Builder.  Once you figure out what you make and what you spend, you’ll know your bottom line. If your expenses are greater than your income, you’ll need to cut back. Make sure that you’re paying monthly expenses out of your income–not credit. Don’t rely on a credit card to cover shortfalls in cash or your balance will soon snowball into debt. If you have a shortfall, you should review your budget to see where you can cut expenses. Look at your variable expenses. Which ones can you cut back on?

Fixed Expense vs. Variable Expense