Why do I need a budget?

Keep control

Get smart

Be ready

How do I make a budget?

1. List fixed costs and estimate expenses

2. Keep track of your spending

3. Review and adjust your habits

Make sure your total expenses don’t exceed your monthly income. If you have money left over, set it aside for savings.

Tricks for staying on budget

Shop with a list

Set goals

Use credit cards wisely

Learn more about credit cards

Get creative

Keep reading for more money tips

Credit card basics

A crash course on credit

Savvy saving tips