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4 C A T E G O R I E S
O F M O N T H L Y
S P E N D I N G
EMPLOYEE SPONSORED PLANS
Talk with your Human Resources about what
retirement plans are available to you.
Pro Tip - Ask your employer if they match your
contribution? If YES - take advantage of the
money they are giving you!
INVESTMENTS
Roth IRA - Funded with after tax dollars
IRA - Funded with pretax dollars
Pro Tip - Learn more about investing.
SAVINGS
Goals
Emergencies
Future Purchases
According to Bankrate.com 57% of U.S. adults
have less than $1,000 to their names. It doesn't
matter where you start, the goal is to pay yourself
first and start saving!
SPENDING
Add up all of your fixed monthly expenses
(housing, utilities, insurances, car payments,
credit cards, etc.)
Add up all of your variable expenses (gas,
groceries, life)
Take the total and divide it by the # of paychecks
you receive each month.
Deposit this amount into your Spending Account
P A Y I T F O R W A R D
Getting a raise?
Why not commit to putting
that raise into your
retirement account?
U S E A D I F F E R E N T
A C C O U N T
Put your savings into an
account that you do not
have access to. Studies
show you re less likely to
spend the savings if you
don t see it regularly.
P I C T U R E T H E
F U T U R E Y O U !
It s really easy to forget
about the future and want
to spend money now. If you
picture what you want your
future to look like, then it
will be easier to stay on
track!
S E T U P 2
A C C O U N T S
You can set up 2 accounts to
help you get started. Use
account 1 to pay all of your
fixed monthly bills. Use
Account 2 to pay the
variable expenses such as
gas, groceries and life.
