Budgeting Tools


How to Budget Money - Our Tools Help

A Share Draft account represents the foundation of a relationship with the credit union. It is the platform into which paychecks are deposited through direct deposit and is the mechanism through which the vast majority of purchases are made and bills are paid. It is difficult to imagine anyone getting through life in the 21st century without a Share Draft account. Here are some of the important features of the account:

Learn how to budget your money and improve your personal and household financial health. Begin by tracking your spending. Then create your personalized spending plan, using our free budget templates.

  • Track Your Spending - Many people do not know where their money goes today. Prior to developing a budget/spending plan, FHFCU thinks people should track their spending for at least a month in order to know where the money actually goes.

  • Personalized Spending Plan - It is estimated that only 36% of Americans use a budget to help manage their money. We are strong believers in budgeting. We prefer the phrase spending plan, but whatever you call it, it is a critically important money management tool.

  • Assessment Tool - This is a good place to begin in your quest to become more financially healthy. This assessment is simple to complete and you can score it yourself. Once you have done so, it will provide you with comments and information to help you understand which of the range of financial health topics you should be focusing on.

Need additional help? Financial Health Federal Credit Union has certified financial counselors read to assist you. Contact us to learn more. 

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