The Importance of Budgeting

[Budg•et] noun: A spending-and-savings plan, based on estimated income and expenses for an individual, covering a specific time period.

Everyone needs a budget – it helps you know where your money is actually going, which in turn helps you make more informed decisions about how you spend it. Having a budget and sticking to it is the first step toward putting yourself on a path to financial independence. It can help you improve everything from your credit score to saving for your future.

[Budg•et] noun: A spending-and-savings plan, based on estimated income and expenses for an individual, covering a specific time period.

Everyone needs a budget – it helps you know where your money is actually going, which in turn helps you make more informed decisions about how you spend it. Having a budget and sticking to it is the first step toward putting yourself on a path to financial independence. It can help you improve everything from your credit score to saving for your future.

Budgeting Resources

TIP: Create a budget that’s realistic and one you can follow. Budgets that are too strict and don’t allow for any fun are doomed to fail!

Eating Healthy on a Budget

(Budgeting)

Eating healthier doesn’t have to be expensive. There are tools and resources to make healthy choices while sticking to your budget.
Learn more about healthy eating on a budget. And find out how to manage your finances and save for other goals at USA.gov.  Source: US Dept. of Agriculture

Smart Money Community Services (Budgeting)

SmartMoney Community Services is a program initiative of CityLink Center and provides financial counseling and economic education to underserved individuals in Greater Cincinnati Communities. SmartMoney provides CityLink clients with a Comprehensive Financial Literacy package: SmartDollars and Sense workshops and SmartChange one-on-one financial counseling designed to equip participants with the knowledge and tools necessary to achieve economic self-sufficiency.

The Ohio Benefit Bank (Budgeting)

OBB can connect you to programs and resources that can stabilize your household, AND benefit your community as a whole. Learn more about the programs available and then get started with your application.

Ohio Benefit Bank (Budgeting)

If you live in Ohio, you can access free tax and FAFSA prep assistance using the Ohio Benefit Bank. This is available to you 24 hours a day online through the self-serve version, or you can contact sites near you to set up an appointment. The Benefit Bank completes both federal and Ohio returns for free for anyone earning less than $60,000. You can use it to efile and arrange for direct deposit of your refund. Call 800-648-1176.

Ohio Benefit Bank (Budgeting)

If you live in Ohio, you can access free tax and FAFSA prep assistance using the Ohio Benefit Bank. This is available to you 24 hours a day online through the self-serve version, or you can contact sites near you to set up an appointment. The Benefit Bank completes both federal and Ohio returns for free for anyone earning less than $60,000. You can use it to efile and arrange for direct deposit of your refund. Call 800-648-1176.

MoneyMatters (Budgeting)

The Federal Trade Commission (FTC), the nation’s consumer protection agency, created this website to help you tackle some money issues head-on. Use the menu to the right to find tips and resources on money matters.

Money Smart (Budgeting)

FDIC’s Money Smart program is a comprehensive financial education curriculum designed to help low- and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships.

AssetPlatform (Budgeting)

AssetPlatform is a resource for staff at nonprofit organizations and agencies that provides financial education, coaching, asset development and other support services. AssetPlatform.org delivers high quality information, training, and financial products and services to your desktop, allowing you to more effectively serve your community.

Mint (Budgeting)

Mint.com pulls all your financial accounts into one place. Set a budget, track your goals and do more with your money, for free! See all your balances and transactions together, on the web or your phone. Mint automatically pulls all your financial information into one place, so you can finally get the entire picture.

SaveNow (Banking Savings)

Many Ohioans lack a savings safety net for life’s unexpected events and expenses. The SaveNOW program is an easy and rewarding way to start building your savings and gain financial education.