The best budget includes money to meet your needs and your wants as well as save for your future. When you put money into your savings, you can improve your plans for your retirment or education funds for your family.

Credit cards, payday lenders, and rent-to-own furniture stores charge very high interest rates. It’s important to pay off these debts first, so that your savings can go farther.

Twenty percent of your money goes to debt repayment or savings. If you need help getting started,  start setting up a budget with our free credit counselors  to take control of your money!