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Lifetime Money Makeover – Your budget checklist template

Man speaking with woman while being filmed in a Numerica branch

Numerica Credit Union recently teamed up with Lifetime’s The Balancing Act to give one Spokane couple a “Dream Big Money Makeover. The story of Erica and Cameron Johnson and how they worked to balance the struggles of owning their own business, Young Buck Brewing, while balancing the needs of a growing family will air on Lifetime on Aug. 8 and Aug. 15 at 7:30 a.m.

Numerica worked with the Johnsons to help build their own customized budget checklist and work to balance the needs of today with financial planning for tomorrow. Here’s how you can get your own money makeover with a budget template.

Get your own Money Makeover Budget Checklist Template

Numerica often talks about Spend, Save, Share. It is a great guideline to what you should be striving for budgeting and uses the concept that you should be spending no more than 70 percent of your income, saving 25 percent, and sharing 5 percent with the community.

But, how do you get there? The first step is to figure out where you are spending. Complete this budget worksheet to start getting your finances in one place. As you complete the worksheet, take special notice of the “Potential Savings” box. Check the box if there is an opportunity for saving.

Spending while on autopilot creates a perfect storm. Have you checked out Numerica’s online banking features? There is no cost to enroll in this easy, convenient and secure way to manage your accounts with state-of-the-art tools. Zero, nada, zilch.

If you are looking for a more high-tech solution to creating your budget, check out Numerica’s budget tools. You can analyze previous spending, create categories and even set budget recommendations based on previous transactions.

How to save even when you can’t afford it

Would you skip paying your electricity every month? How about deciding your car payment wasn’t important? Far too often saving (both in general and for retirement) seems like a luxury. It’s not.

Half of all Americans would have a tough time coming up with $500 to cover an emergency. However, the typical emergency costs more than $2000. Try reviewing bills to find additional savings.

Don’t be afraid to ask for help

Everyone’s dreams for the future are different. Numerica works with our members to help reduce the stress associated with finances so you can live well. Whether your dreams are of owning a home, getting rid of that old beater, paying off college debt or paying for future education, we can help.

If you don’t know where to start, the budget worksheet is a good first step. If you are ready for a more in depth money conversation, we’re here to help. Come and visit us at your favorite Numerica branch.

We all have a relationship with money. You get to decide if it’s a crazy ex or a perfect fit.

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