How to budget
Budget better with our go-to guide.
Introducing the three P's of budgeting
Budget doesn't have to be a financial "dirty" word. Think of it more as a way to create a plan to spend your money on things that matter to you. Get started in three easy steps — paycheck, prioritize and plan.
Evaluate your paycheck.
It's important to know what money is actually available to you each pay period.
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Understand Your Money
Review your paycheck or direct deposit amount to see your take-home pay after deductions. Also, be sure to account for any other income that you receive, even if it's not on a regular basis.
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Getting Your Money Early
Are you taking advantage of direct deposit? Not only does automation help simplify things, setting up direct deposit may allow you receive your paycheck sooner.See note2
Prioritize your spending.
Once you know how much you have available each period, you can start prioritizing what's most important.
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Wants Versus Needs
Make a list of what items are essential and what you could do without.
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Learning From Others
You can learn from what others have done well to help you prioritize your spending, create a plan you're confident in, save money and manage your budget.
Make a plan.
Budgeting can be one of the most empowering things you can do to take control of your money.
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Creating a Budget
Take action and create a budget so you'll know where your money is going.
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Psychology of Budgeting
Develop a better understanding of budgeting and its obstacles.
Looking for more help with your finances?
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How to Pay Off Debt
Help reduce stress and keep more of your hard-earned money by managing debt.
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How to Save More
Build a savings cushion to help prepare for a financial emergency.
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How to Build Credit
Build good credit to help improve your financial health.
How to budget FAQ
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