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Creating a Budget isn’t As SCARY As It Sounds

Creating a Budget isn’t As SCARY As It Sounds


This time of year is full of ‘spooky’ things – zombies, kids dressed up as ghosts, spiders, and the ever-dreadful candy corn! But one thing that shouldn’t scare you is your budget! We know that creating and starting a budget can be overwhelming and sometimes a bit terrifying, but it really isn’t as scary as it seems – especially with some help from CSE! 

We have a number of tools to help you learn about budgeting and create a budget, from our Banzai! Education tools, to our amazing representatives who can help you on this journey.

Make your first stop our Banzai! Learning to Budget Collection! This is where you can find a number of useful and helpful tools that are easy to use on your own. The collection includes articles, Coaching Sessions, and other tools such as:

  • Budgeting Calculator
  • Create a Budget Coach
  • 50/30/20 Rule Article & Calculator
  • And so much more to dig into!

If you feel like you might need a little more help rather than doing it on your own, look no further than Financial Counseling with Reggie! Our certified financial counselor can help with:

  • Creating a roadmap for getting out of a bad financial situation
  • Debt Management Plans
  • Budgeting
  • Credit Reviews
  • And more!

Schedule an Appointment

Here’s a few quick tips that might help your budget:

  1. Carving out savings can be as easy as carving a pumpkin when setting up automatic transfers on your accounts. Simply call us to set up a certain dollar amount to go to your savings, or open a special savings account like our Christmas or Vacation Club accounts.
  2. Save your receipts like they’re candy. For 30 days save receipts from your bills that you pay, to the coffee you get every day – this is the easiest way to see where you’re spending your money which will help you identify areas where you might also be able to save some money too.
  3. No tricks – sign up for easy online tools like CSE’s Free Online Bill Pay. You can easily schedule your payments so you’re never late and it may help simplify your bill-paying process.
  4. Set goals – and then treat yourself! Depending on your financial situation it may be imperative that you’re strict when starting out a budget. But it doesn’t have to be all work and no fun. Set an attainable goal and when you reach it, have that $5 coffee you love so much or buy yourself that certain something you’ve had your eye on – as long as it won’t have you howling at how chilling your budget is looking afterward.

While budgeting can be…tricky…the treat of seeing your savings account grow is so rewarding. That way, you aren’t spooked the next time some unexpected expense jumps out of nowhere to startle you.


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