SOMETIMES MONEY DOES NOT SEEM TO GO VERY FAR. WORK OUT WHERE YOU SPEND YOUR MONEY AND HOW YOUR YOUR CREDIT UNION CAN HELP YOU CHANGE YOUR HABITS. WHEN WORKING OUT A BUDGET, YOU SHOULD LIST INCOME FROM ALL SOURCES AND THEN CAREFULLY WORK OUT WHERE YOU SPEND YOUR MONEY.

• IF YOU NEED TO SPEND LESS, WORK OUT WHICH AREAS YOU CAN CUT BACK
• THINK ALSO OF WHERE YoU WOULD LIKE TO SPEND ANY EXTRA MONEY – A HOLIDAY PERHAPS OR NEW CAR
• IT IS NO GOOD JUST MAKING A BUDGET TO CUT BACK ON EXPENSES – IT IS IMPORTANT TO PUT SOME MONEY ASIDE TO HAVE FUN (OTHERWISE YOU WILL NEVER STICK TO ANY SPENDING PLAN)
• IT IS NO GOOD SAYING “I WILL SAVE WHATEVER I HAVE LEFT AT THE END OF THE MONTH” BECAUSE IT IS MORE THAN LIKELY THAT THERE WILL BE NOTHING LEFT!
• BUDGET TO SAVE A LITTLE IN YOUR CREDIT UNION ACCOUNT EVERY MONTH- AND SET GOALS FOR THE YEAR AND IN THE LONG TERM
• EVEN IF YOU ARE PAYING BACK A CREDIT UNION LOAN, YOU CAN STILL PUT A LITTLE SAVINGS ASIDE INTO YOUR CREDIT UNION ACCOUNT