PLANNING AHEAD

Planning Ahead

Want to feel more in control of both your money and your future? It starts with setting clear, achievable financial goals. Whether you're saving for something exciting or just trying to stress less about bills, having a plan gives your money purpose.

Get Clear on What you Want
Not sure where to begin? Here are a few starting points to set you up for success:

• Build an emergency fund with at least $500 to start, then work up to 3–6 months of expenses.
• Pay off high-interest debt like credit cards.
• Start saving for big expenses like car repairs, holidays, or a future move.

Consider both your short-term goals and longer-term ones, like saving for retirement. Write them down, and be specific. "Save $1,000 in three months" works better than just "save more." 

Break It Down
Once you know what you’re working toward, break it down into manageable chunks. Saving $1,000 in three months? That’s about $85 a week. Find an amount and timeline that fits with your budget. 

If you have multiple goals in mind, you might want to pick one or two to focus on first, like building that emergency savings, to give you a quick win before moving on to the next.

Check-In Often 
Check in on your goals monthly. Life happens, so if you need to adjust that’s okay. Make tweaks, celebrate progress, and keep moving forward.

Don’t Forget to Celebrate!
Every milestone counts. Whether you hit your goal or just made it halfway, take a moment to be proud. You’re building something important.

Remember

• Financial goals don’t have to be big, they just have to be yours.
• A little planning now can bring a lot more peace of mind later.
• We’re here with the tools to help you every step of the way.