NOTICE: As we continue to balance our role as an essential service provider with the health of our employees and members, the ability to staff all of our branches is sometimes impacted. Our Milpitas, Palo Alto, San Francisco, and Sunnyvale branches will be temporarily closed effective December 2nd. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience. Click here for open branch locations and hours.

  • Better Budgeting

    Better Budgeting

    How to take your budgeting skills to the next level

    Sticking to a budget is one of those things that sounds easier than it is. You can understand the concept of budgeting through and through and still, come the end of the month, something is off. If one of your New Year Resolutions is to become better at budgeting, you might want to try one of the strategies below.

    Set Goals 

    As USA Today reports, sticking to a budget isn’t as simple as adding and subtracting. One way to keep on track is to set goals. Those goals will then inform your spending and saving strategies. You might want to save for a new car, a new apartment, or eliminate credit card debt. Whatever the goals are, having them set (preferably in writing) will help you focus, which will in turn keep your budget intact.

    Use a Trick 

    You can curb spending by using any number of tricks. You could shop only with a specific amount of cash each month, and once that cash runs out, that’s it — no more spending. You could use an app or spreadsheets. When you find a trick that works for you, stick with it.

    Learn to Say No 

    If you want to stick to a budget, you’re likely going to have to say “no” sometimes. No to a dinner out. No to a new computer when your old one is working just fine. No to another subscription service that you won’t use for more than a couple months. As you do it, remind yourself that what you’re really doing is saying “yes” to one of your longer-term goals. Being able to say “no” to expenses will help keep your budget going strong.

     
    Back to Blog

    Leave a Comment

     
       
     

    characters remaining


    Comments

    oMwvHSgRcz | Posted February 18, 2020
    This comment is pending approval

    rzHIlagGkpT | Posted February 18, 2020
    This comment is pending approval

    QTaFEkJL | Posted January 31, 2020
    This comment is pending approval

Give us a call

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

View Our Contact Info
Visit Us In Person

Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
Get Directions
More Information

Want More Info?

Interested in learning more about all we have to offer? Receive personal finance tips along with emails focused on key topics. You can even sign up for our monthly newsletter.
Request More Information