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Spending and budgeting

Creating a budget can help you set yourself up for financial success. Knowing where your money is going can help you assess your spending and take control of your money so it doesn't control you.

The basics of budgeting

Many people worry about their finances and how they'll pay their bills or manage debt. Even if you don't feel financial stress, an unexpected expense can hit your wallet hard. A budget can help you be sure you're prepared if life throws you a curve ball.

  1. How to create a budget:  Lessons from being broke
  2. What is a checking account?
  3. Psychology of budgeting: How to tap into the rewards
  4. First jobs for teens: How to budget your paycheck
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Top related products

Checking accounts

A checking account can help you track your spending as your primary way to make purchases and pay bills. Look for no monthly fees, easy access to ATMs and free personal budgeting tools.

Learn more about checking accounts

What's the difference between checking and savings accounts?

Credit cards

A credit card can help you build  credit history and make purchases. It can also help you make the most of your money with rewards, cash back and security benefits.

Learn more about credit cards

Read how to choose your next credit card

Savings accounts

A savings account is a great place to keep your money and make it grow. Look for options with low minimum opening deposits, no annual fees and free tools to help you reach your financial goals faster.

Learn more about savings accounts

Should you invest your money or save it?

Other helpful resources

Tools

  • Financial Readiness Assessment
  • Money Management Tools
  • Direct Deposit Form
  • Bill Payment Tool
  • Automatic Savings Tools

Perks and discounts

  • Discounts on Flowers
  • Travel Deals
  • Car Rental Discounts
  • USAA Perks®

Related articles

Browse all budgeting articles

Bill consolidation: Could your credit card do more?

Article: 6 minutes

Read article: Bill consolidation: Could your credit card do more?

Psychology of budgeting: How to budget like a pro

Article: 6 minutes

Read article: Psychology of budgeting: How to budget like a pro

Tips for dealing with financial stress

Article: 7 minutes

Read article: Tips for dealing with financial stress

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Related topics

  • Debt and Credit
  • Saving
  • Taxes

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Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates.

  3. USAA means United Services Automobile Association and its affiliates.

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