Avoid financial trouble with budgeting

Avoid getting into financial trouble by managing your money and creating a budget.

• Track your expenses so you know where money is being spent.
  • Even small items add up over time.
• Determine your short-term and long-term goals and work them into your budget.
  • Identify goals, including retirement savings and being debt free.
• Divide expenses into needs and wants.
  • Categorize your expenses so you can pay down debts and increase saving.
• Stick to your budget.
  • Record progress to make sure you stay on track.