🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 138 (from laksa100)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa138.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://americasaves.org/resource-center/insights/creating-a-budget-for-your-family/\')), getAhrefsUnparsedNoserviceFromURL(\'https://americasaves.org/resource-center/insights/creating-a-budget-for-your-family/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/americasaves.org\/resource-center\/insights\/creating-a-budget-for-your-family\/","crawl_time":1776112340,"first_indexed_time":1614355764,"http_code":200,"src_unparsed":"org,americasaves!\/resource-center\/insights\/creating-a-budget-for-your-family\/ s443","src_root_hash":"2426277587746907938","history_drop_reason":null,"meta_title":"Creating A Budget For Your Family | America Saves","meta_descriptions":["It’s always the right time to create a saving and spending plan (aka a budget). It’s also a good idea to revisit that plan annually or when a major shift occurs in your income or expenses."],"attrs_boilerpipe_text":"We’ve created an easy to use, but thorough, \nSpending and Saving Plan tool\n to use. Before you get started, here are some tips to help you #ThinkLikeASaver, ensuring that your money is working smarter and harder for you.\nStep 1. Determine your income.\nTo create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted.\nStep 2. Track both your expenses and your spending.\nThis step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending.\nIf you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending $10 a day on parking or $5 every morning for coffee doesn’t sound like much until you calculate the total cost per month.\nTracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts.\nOnce you’ve written out your expenses and tracked your spending habits, you’re ready for the next step.\nStep 3. Set your financial goals.\nNow you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve?\nSome common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement.\nStep 4. Decrease your spending or increase your income.\nWhat if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want?\nYou essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option.\nEven if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend.\nTake a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month.\nThen apply the money that’s been freed up to your savings goals.\nStep 5. Stick to your plan.\nMake sure you stick to your spending and savings plan. To make saving more efficient, \nset up automatic savings\n so that you can set it and forget it! Saving automatically is the easiest way to save.\nReassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion.\nFollowing your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies.\nWant us to walk you through, step by step? Take our free, on-demand workshop here.\nWant a savings accountability partner? Take the \nAmerica Saves Pledge or re-pledge\n and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.","attrs_markdown":"[![America Saves](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png) ![America Saves](https:\/\/americasaves.org\/media\/keofasjs\/logo-as-white.png)](https:\/\/americasaves.org\/)\n\n- [Choose Your Savings Goal](https:\/\/americasaves.org\/what-to-save-for\/)\n  [Emergency fund](https:\/\/americasaves.org\/what-to-save-for\/?goal=emergency-fund)\n  \n  [Large Purchase](https:\/\/americasaves.org\/what-to-save-for\/?goal=large-purchase)\n  \n  [Car](https:\/\/americasaves.org\/what-to-save-for\/?goal=car)\n  \n  [Vacation](https:\/\/americasaves.org\/what-to-save-for\/?goal=vacation)\n  \n  [Retirement](https:\/\/americasaves.org\/what-to-save-for\/?goal=retirement-or-long-term-investment)\n  \n  [Debt Repayment](https:\/\/americasaves.org\/what-to-save-for\/?goal=debt-repayment)\n  \n  [Education](https:\/\/americasaves.org\/what-to-save-for\/?goal=education)\n  \n  [Homeownership](https:\/\/americasaves.org\/what-to-save-for\/?goal=homeownership)\n  \n  [Disability-related expenses](https:\/\/americasaves.org\/what-to-save-for\/?goal=disability-related-expenses)\n  \n  [Investment Savings](https:\/\/americasaves.org\/what-to-save-for\/?goal=investment-savings)\n  \n  [General Savings](https:\/\/americasaves.org\/what-to-save-for\/?goal=general-savings)\n  \n  ##### Emergency fund\n  Nearly a quarter of savers who take the America Saves pledge chose “emergency savings” as their first wealth-building goal. And they have the right idea.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=emergency-fund)\n  \n  Helpful emergency savings links:\n  \n  [4 Steps to Spending Your Stimulus Check Wisely When You Don't Have An Emergency Fund](https:\/\/americasaves.org\/resource-center\/insights\/4-steps-to-spending-your-stimulus-check-wisely-when-you-don-t-have-an-emergency-fund\/) [38 Reasons You Need At Least a \\$500 Emergency Fund](https:\/\/americasaves.org\/resource-center\/insights\/38-reasons-you-need-at-least-a-500-emergency-fund\/) [How to Start Your Savings Journey](https:\/\/americasaves.org\/resource-center\/insights\/how-to-start-your-savings-journey\/) [What's The Easiest Way To Save? Automatically](https:\/\/americasaves.org\/resource-center\/insights\/what-s-the-easiest-way-to-save-automatically\/)\n  \n  ##### Large Purchase\n  Think and acting like a saver not only means knowing what you’re saving for and how much it costs, but having a plan for building that savings.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=large-purchase)\n  \n  Helpful Large Purchase Savings Tips:\n  \n  [5 Holiday Mistakes That Could Cost You](https:\/\/americasaves.org\/resource-center\/insights\/5-holiday-mistakes-that-could-cost-you\/) [How to Save During the Holidays](https:\/\/americasaves.org\/resource-center\/insights\/how-to-save-during-the-holidays\/) [The S.M.A.R.T. Way to Save for Large Purchases](https:\/\/americasaves.org\/resource-center\/insights\/the-s-m-a-r-t-way-to-save-for-large-purchases\/) [What's The Easiest Way To Save? Automatically](https:\/\/americasaves.org\/resource-center\/insights\/what-s-the-easiest-way-to-save-automatically\/)\n  \n  ##### Car\n  Being able to travel by car can help people earn more, spend less, and get better value in their housing. Cars, however, are relatively expensive to purchase and maintain. American households spend, on average, more than \\$8,000 dollars on car purchases and maintenance each year.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=car)\n  \n  Additional links for savers like you:\n  \n  [Sign up for text reminders and savings tips](https:\/\/americasaves.org\/for-savers\/receive-texts\/) [Save On Interest With This Debt Repayment Strategy](https:\/\/americasaves.org\/resource-center\/insights\/save-on-interest-with-this-debt-repayment-strategy\/) [54 Ways to Save Money](https:\/\/americasaves.org\/resource-center\/insights\/54-ways-to-save-money\/)\n  \n  ##### Vacation\n  Vacation anyone? You might be gearing up for your next trip soon. Luckily, you don’t have to be rolling in dough to travel\\!\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=vacation)\n  \n  Check out these resources to help save for your next vacation:\n  \n  [How to Save Money on Your Next Vacation](https:\/\/americasaves.org\/resource-center\/insights\/how-to-save-money-on-your-next-vacation\/) [A Think Like A Saver Attitude](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/a-think-like-a-saver-attitude\/) [Save Big on Your Next Vacation with Technology & Pre-Planning](https:\/\/americasaves.org\/resource-center\/insights\/save-big-on-your-next-vacation-with-technology-pre-planning\/) [What's The Easiest Way To Save? Automatically](https:\/\/americasaves.org\/resource-center\/insights\/what-s-the-easiest-way-to-save-automatically\/)\n  \n  ##### Retirement\n  Retirement savings is a top priority for many Savers. Saving now for retirement will ensure that you have enough money to enjoy a comfortable standard of living when you stop or reduce the amount of hours you work.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=retirement-or-long-term-investment)\n  \n  ##### Debt Repayment\n  Getting out of debt is the \\#3 goal Savers select when they pledge to save. With planning, discipline, patience, and maybe some outside help, almost anyone can reduce their debts and start to accumulate wealth.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=debt-repayment)\n  \n  Helpful Debt Repayment Links:\n  \n  [4 Key Mindset Changes To Make When Paying Off Debt](https:\/\/americasaves.org\/resource-center\/insights\/4-key-mindset-changes-to-make-when-paying-off-debt\/) [Paying Down Debt IS Saving](https:\/\/americasaves.org\/resource-center\/insights\/paying-down-debt-is-saving\/) [Save On Interest With This Debt Repayment Strategy](https:\/\/americasaves.org\/resource-center\/insights\/save-on-interest-with-this-debt-repayment-strategy\/)\n  \n  ##### Education\n  Saving for education is the second most popular goal (after saving for emergencies) savers select when they pledge to save with America Saves.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=education)\n  \n  Helpful Education Savings Links:\n  \n  [Learn more about grants and scholarships](http:\/\/studentaid.ed.gov\/types\/grants-scholarships) [Learn more about Federal Work-Study](http:\/\/studentaid.ed.gov\/types\/work-study) [Learn more about 529 plan fees and how they impact financial aid eligibility](http:\/\/www.sec.gov\/investor\/pubs\/intro529.htm) [Learn more about savings bonds](http:\/\/www.treasurydirect.gov\/indiv\/planning\/plan_education.htm) [Learn more about federal student loans](https:\/\/studentaid.gov\/understand-aid\/types\/loans\/federal-vs-private) [8 Ways to Save for Your Child’s Education](https:\/\/americasaves.org\/resource-center\/insights\/9-ways-to-save-for-your-child-s-education\/)\n  \n  ##### Homeownership\n  Develop a savings plan to build up money for a down payment at purchase, for moving expenses, and for post-purchase emergency expenditures such as needed home repairs.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=homeownership)\n  \n  Helpful links for future homeowners:\n  \n  [The Unexpected Costs Of Buying A Home](https:\/\/americasaves.org\/resource-center\/insights\/the-unexpected-costs-of-buying-a-home\/) [Visit Freddie Mac for information about home buying and the mortgage process](http:\/\/www.freddiemac.com\/homeownership\/mortgage_process\/) [For more information about home buying and the mortgage process visit Fannie Mae](http:\/\/knowyouroptions.com\/buy\/overview) [Check out Current Mortgage Rates](http:\/\/www.bankrate.com\/mortgage.aspx)\n  \n  ##### Disability-related expenses\n  Oftentimes, individuals with disabilities may not be familiar with savings options that are available to them or they may be afraid to save money due to the fear of jeopardizing public benefits.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=disability-related-expenses)\n  \n  Helpful Savings Links:\n  \n  [Saving is an option for individuals with disabilities](https:\/\/americasaves.org\/resource-center\/insights\/saving-is-an-option-for-individuals-with-disabilities\/) [ABLE Accounts – A Protected Savings Option for Persons with Disabilities](https:\/\/americasaves.org\/resource-center\/insights\/able-accounts-a-protected-savings-option-for-persons-with-disabilities\/) [54 Ways to Save Money](https:\/\/americasaves.org\/resource-center\/insights\/54-ways-to-save-money\/) [Sign up for helpful text reminders and savings tips](https:\/\/americasaves.org\/for-savers\/receive-texts\/)\n  \n  ##### Investment Savings\n  More and more people who take the America Saves pledge are choosing investment savings as their goal. Making investments can build wealth over time more reliably than using a savings account, but it also involves risk. So, it’s important to educate yourself.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=investment-savings)\n  \n  Helpful Investment Savings Resources:\n  \n  [Check out the Better Business Bureau’s (BBB) time-tested rules](http:\/\/www.bbbmoneynow.org\/?lid=1&page=investments) [Check out the Securities and Exchange Commission’s (SEC) guiding principles](https:\/\/investor.gov\/investing-basics\/guiding-principles) [Learn more about investment fees from the SEC](https:\/\/investor.gov\/research-before-you-invest\/research\/understanding-fees)\n  \n  ##### General Savings\n  It can be hard to put aside money for savings. But there is an easy way to save money without ever missing it. Make your savings automatic. You can start small and save \\$20 a week or month or you can try and save more.\n  \n  [Learn more](https:\/\/americasaves.org\/what-to-save-for\/?goal=general-savings)\n  \n  Helpful General Savings Resources:\n  \n  [54 Ways to Save Money](https:\/\/americasaves.org\/resource-center\/insights\/54-ways-to-save-money\/) [What's The Easiest Way To Save? Automatically](https:\/\/americasaves.org\/resource-center\/insights\/what-s-the-easiest-way-to-save-automatically\/) [How to Start Your Savings Journey](https:\/\/americasaves.org\/resource-center\/insights\/how-to-start-your-savings-journey\/) [38 Reasons You Need At Least a \\$500 Emergency Fund](https:\/\/americasaves.org\/resource-center\/insights\/38-reasons-you-need-at-least-a-500-emergency-fund\/) [5 Ways To Teach Kids How To Save At Home](https:\/\/americasaves.org\/resource-center\/insights\/5-ways-to-teach-kids-how-to-save-at-home\/)\n  \n  ##### Take the America Saves Pledge\n  Savers who make a plan are twice as likely to save successfully.\n  \n  Take the Pledge\n  \n  ##### Find a Local Campaign\n  There are over 60 local America Saves campaigns located nationwide.\n  \n  [Connect to a Campaign](https:\/\/americasaves.org\/connect-to-a-campaign\/)\n- [For organizations](https:\/\/americasaves.org\/for-organizations\/)\n  [Our Partners](https:\/\/americasaves.org\/for-organizations\/#partners) [America Saves Week](https:\/\/americasavesweek.org\/) [Current Initiatives](https:\/\/americasaves.org\/for-organizations\/#initiatives) [Organize a Local Campaign](https:\/\/americasaves.org\/for-organizations\/?goal=organize-a-local-campaign) [America Saves at Work](https:\/\/americasaves.org\/for-organizations\/america-saves-at-work-coalition\/) [For Organizations](https:\/\/americasaves.org\/for-organizations\/#partners)\n  \n  ##### Getting Involved\n  America Saves makes it easy for your organization to get involved. Take a look at the different options, and choose the best fit for you and your colleagues. We look forward to working with you\\!\n  \n  [Get Started](https:\/\/americasaves.org\/for-organizations\/#getinvolved)\n  \n  ##### Be sure to check out...\n  [Our Partners](https:\/\/americasaves.org\/for-organizations\/#partners) [America Saves Week](https:\/\/americasavesweek.org\/) [Current Initiatives](https:\/\/americasaves.org\/for-organizations\/#initiatives) [Organize a Local Campaign](https:\/\/americasaves.org\/for-organizations\/?goal=organize-a-local-campaign) [America Saves at Work](https:\/\/americasaves.org\/for-organizations\/america-saves-at-work-coalition\/)\n  #####\n  [Getting To Know The New America Saves\\!](https:\/\/americasaves.org\/resource-center\/partner-resource-packets\/getting-to-know-the-new-america-saves\/)\n  \n  11\\.19.2019\n  \n  ###### Summit Follow Up\n  The America Saves Summit: Attacking the Savings Crisis took place on Wednesday, November 6, 2019 with engaged leaders representing...\n  \n  [View Details](https:\/\/americasaves.org\/for-organizations\/our-partners\/summit-follow-up\/)\n  \n  [For Organizations](https:\/\/americasaves.org\/for-organizations\/#partners)\n- [Resource center](https:\/\/americasaves.org\/resource-center\/?for=savers)\n  [Savers](https:\/\/americasaves.org\/resource-center\/insights\/creating-a-budget-for-your-family\/)\n  \n  [Insights](https:\/\/americasaves.org\/resource-center\/insights\/) [Saver Tips and Stories](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/) [Podcasts](https:\/\/americasaves.org\/resource-center\/podcasts\/)\n  \n  Check out the latest resources for\n  \n  Savers\n  \n  Organizations\n  \n  [Insights](https:\/\/americasaves.org\/resource-center\/insights\/)   [Saver Tips and Stories](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/)   [Podcasts](https:\/\/americasaves.org\/resource-center\/podcasts\/)\n  \n  General Savings\n  \n  ###### [54 Ways to Save Money](https:\/\/americasaves.org\/resource-center\/insights\/54-ways-to-save-money\/)\n  You’ve just taken the America Saves Pledge, or perhaps you simply need some inspiration for ways to save your money -- either way,...\n  \n  [Learn More](https:\/\/americasaves.org\/resource-center\/insights\/54-ways-to-save-money\/)\n  \n  Credit Cards\n  \n  By America Saves\n  \n  ###### [ATM Card, Debit Card, Credit Card: What’s the Difference?](https:\/\/americasaves.org\/resource-center\/insights\/atm-card-debit-card-credit-card-what-s-the-difference\/)\n  Ever wonder what are the differences between ATM cards, debit cards, and credit cards? While they may seem similar, each works in ...\n  \n  [Learn More](https:\/\/americasaves.org\/resource-center\/insights\/atm-card-debit-card-credit-card-what-s-the-difference\/)\n  \n  10\\.28.2025 By Amy Miller, AFC®\n  \n  ###### [Finding Joy in Movie Marathons Without the Price Tag](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/finding-joy-in-movie-marathons-without-the-price-tag\/)\n  Meet Jean from Mesa, AZ who proves that saving money doesn’t mean giving up the things you love\\!\n  \n  [Read More](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/finding-joy-in-movie-marathons-without-the-price-tag\/)\n  \n  08\\.15.2025 By Amy Miller, AFC®\n  \n  ###### [No-Spend Weekend Challenge \\#2: Clear It Out + Cash In](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/no-spend-weekend-challenge-2-clear-it-out-cash-in\/)\n  Meet Ed from Pottsville, Pennsylvania, one of our inspiring savers who took part in our No-Spend Weekend Challenge and walked away...\n  \n  [Read More](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/no-spend-weekend-challenge-2-clear-it-out-cash-in\/)\n  \n  By America Saves\n  \n  ###### [Turning to AI for Financial Advice: Helpful Tool or Risky Shortcut?](https:\/\/americasaves.org\/resource-center\/podcasts\/episode-30-turning-to-ai-for-financial-advice-helpful-tool-or-risky-shortcut\/)\n  More and more people are turning to AI tools like ChatGPT and other generative platforms for help with budgeting, saving, investin...\n  \n  [View Details](https:\/\/americasaves.org\/resource-center\/podcasts\/episode-30-turning-to-ai-for-financial-advice-helpful-tool-or-risky-shortcut\/)\n  \n  By America Saves\n  \n  ###### [File Confidently, Stress Less: What to Know This Tax Season](https:\/\/americasaves.org\/resource-center\/podcasts\/episode-29-file-confidently-stress-less-what-to-know-this-tax-season\/)\n  Tax season doesn’t have to be overwhelming. In this episode of Think Like a Saver, Amy and Krystel are joined by Daniel Webber fro...\n  \n  [View Details](https:\/\/americasaves.org\/resource-center\/podcasts\/episode-29-file-confidently-stress-less-what-to-know-this-tax-season\/)\n  \n  [Partner Resource Packets](https:\/\/americasaves.org\/resource-center\/partner-resource-packets\/)\n  \n  [Downloads](https:\/\/americasaves.org\/resource-center\/downloads\/)\n- [About Us](https:\/\/americasaves.org\/about-us\/)\n  [Newsroom](https:\/\/americasaves.org\/newsroom\/) [View 2024 Media Kit](https:\/\/americasaves.org\/media\/nihhxiav\/mediakit-2024.pdf) [View Our Logic Model](https:\/\/americasaves.org\/media\/hlydsokn\/logic-model-v2.pdf)\n- ##### Frequently searched\n  [Save](https:\/\/americasaves.org\/search\/?q=Save)\n  \n  [Campaign](https:\/\/americasaves.org\/search\/?q=Campaign)\n  \n  [Pledge](https:\/\/americasaves.org\/search\/?q=Pledge)\n  \n  [Resource packet](https:\/\/americasaves.org\/search\/?q=Resource%20packet)\n\nStart saving for your future today\\!\n\nTake the Pledge\n\n- [Back to all](https:\/\/americasaves.org\/resource-center\/?type=insights)\n- [Previous 8 Ways to Save for Your Child’s Education](https:\/\/americasaves.org\/resource-center\/insights\/9-ways-to-save-for-your-child-s-education\/)\n- [Next Save On Interest With This Debt Repayment Strategy](https:\/\/americasaves.org\/resource-center\/insights\/save-on-interest-with-this-debt-repayment-strategy\/)\n\n[Emergency fund](https:\/\/americasaves.org\/resource-center\/?goal=emergency-fund)\n\n06\\.25.2020 By Kia McCallister-Young\n\n# Creating a Spending & Savings Plan For Your Family\nIt’s always the right time to create a saving and spending plan (aka a budget). It’s also a good idea to revisit that plan annually or when a major shift occurs in your income or expenses.\n\n**Related Topics**\n\n[Spending and Saving Plan](https:\/\/americasaves.org\/resource-center\/?topic=spending-and-saving-plan)\n\nWe’ve created an easy to use, but thorough, [Spending and Saving Plan tool](https:\/\/americasaves.org\/media\/npqaqram\/as-budgetworksheet-20.xlsx \"AS Budgetworksheet 20\") to use. Before you get started, here are some tips to help you \\#ThinkLikeASaver, ensuring that your money is working smarter and harder for you.\n\n**Step 1. Determine your income.**\n\nTo create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted.\n\n**Step 2. Track both your expenses and your spending.**\n\nThis step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending.\n\nIf you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending \\$10 a day on parking or \\$5 every morning for coffee doesn’t sound like much until you calculate the total cost per month.\n\nTracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts.\n\nOnce you’ve written out your expenses and tracked your spending habits, you’re ready for the next step.\n\n**Step 3. Set your financial goals.**\n\nNow you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve?\n\nSome common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement.\n\n**Step 4. Decrease your spending or increase your income.**\n\nWhat if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want?\n\nYou essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option.\n\nEven if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend.\n\nTake a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month.\n\nThen apply the money that’s been freed up to your savings goals.\n\n**Step 5. Stick to your plan.**\n\nMake sure you stick to your spending and savings plan. To make saving more efficient, [set up automatic savings](https:\/\/americasaves.org\/for-savers\/save-automatically) so that you can set it and forget it! Saving automatically is the easiest way to save.\n\nReassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion.\n\nFollowing your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies.\n\n[**Want us to walk you through, step by step? Take our free, on-demand workshop here.**](https:\/\/americasaves.org\/town-halls\/6-steps-to-establishing-a-spending-and-savings-plan-on-demand\/ \"6 Steps To Establishing A Spending And Savings Plan- On Demand\")\n\nWant a savings accountability partner? Take the [America Saves Pledge or re-pledge](https:\/\/americasaves.org\/for-savers\/pledge\/ \"Pledge\") and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.\n\n### Check out these related insights\\!\n12\\.19.2023 By Amy Miller\n\n#### [Staying on Track with Your Spending & Savings Plan](https:\/\/americasaves.org\/resource-center\/insights\/staying-on-track-with-your-spending-savings-plan\/)\n***\n\n### Related Tags\n- [Spending and Saving Plan](https:\/\/americasaves.org\/resource-center\/?topic=spending-and-saving-plan)\n\n## CHECK OUT OTHER SAVINGS JOURNEYS FROM SAVERS JUST LIKE YOU\nDebt Repayment\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Clear It Out + Cash In](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/clear-it-out-cash-in\/)\n07\\.31.2025 By Amy Miller, AFC\n\nMeet David from Los Angeles: A dedicated saver with a seriously savvy weekend routine that helps him stay on track with his financial goals.\n\n[Unemployment](https:\/\/americasaves.org\/resource-center\/?topic=unemployment)\n\n##### [Coping With A Job Loss](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/coping-with-a-job-loss\/)\nBy Aimee Shaffer\n\nAimee Shaffer worked as a Public Service News Director for radio for years until one day her employer dow...\n\n##### [Taking Steps Toward Financial Fitness](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/taking-steps-toward-financial-fitness\/)\nBy Nicky Vasquez\n\nNicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach....\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [\\#ImSavingForSweepstakes](https:\/\/americasaves.org\/resource-center\/?topic=#imsavingforsweepstakes)\n\n##### [\\#ImSavingFor Winner Story](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/imsavingfor-winner-story\/)\nBy Pedram R.\n\nAmerica Saves awarded one lucky saver, Pedram R. from California, \\$750 for sharing his \\#ImSavingFor story...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week)\n\n##### [Put 20 Percent Away](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/put-20-percent-away\/)\nBy Melissa\n\n“I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my...\n\n##### [Jump-Starting a Financial Makeover](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/jump-starting-a-financial-makeover\/)\nBy Nichelle Johnson\n\nNichelle Johnson, a single mom with two teenage children, knows what it’s like to stretch a dollar. When she moved back to Virginia Beach in 2008, she provided for her family with just a part-time library position.\n\n[America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Saving is a Family Affair](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-is-a-family-affair\/)\nBy Jeff\n\nSaving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save ...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Clear It Out + Cash In](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/clear-it-out-cash-in\/)\n07\\.31.2025 By Amy Miller, AFC\n\nMeet David from Los Angeles: A dedicated saver with a seriously savvy weekend routine that helps him sta...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week)\n\n##### [Put 20 Percent Away](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/put-20-percent-away\/)\nBy Melissa\n\n“I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [A Think Like A Saver Attitude](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/a-think-like-a-saver-attitude\/)\nBy Melissa\n\nMelissa has always been thrifty with a \\#ThinkLikeASaver attitude. This served her family well when her hu...\n\n##### [Budget like Nohemi](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/budget-like-nohemi\/)\nBy Nohemi\n\nNohemi found out about America Saves a few years ago as an undergraduate at the University of Illinois at Chicago. She remembers attending a University of Illinois Saves event where she decorated a piggy bank and took the Pledge, but college life made her put the thought of saving at the back of her mind.\n\n##### [Another Dream Realized](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/another-dream-realized\/)\nBy Mary Brown\n\nMary Brown was already a disciplined individual when she came to Wisconsin Women’s Business Initiative Co...\n\n##### [Taking Steps Toward Financial Fitness](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/taking-steps-toward-financial-fitness\/)\nBy Nicky Vasquez\n\nNicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach....\n\n[American Saver](https:\/\/americasaves.org\/resource-center\/?topic=american-saver) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Saving With My Boys](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-with-my-boys\/)\nBy Kelly\n\nKelly has made saving a family effort. She started her boys saving early. “Probably 3,” Kelly told us, “w...\n\n[Young Saver](https:\/\/americasaves.org\/resource-center\/?topic=young-saver)\n\n##### [Saving Early: Key to Successful Future](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-early-key-to-successful-future\/)\nBy Johnnie Lovett\n\nFor Johnnie Lovett, a Young Illinois Saver, saving has been a habit since he was a teenager. “As a teenag...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [Home](https:\/\/americasaves.org\/resource-center\/?topic=home)\n\n##### [Saver Story: Set a Goal, Make a Plan\\!](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saver-story-set-a-goal-make-a-plan\/)\nBy Shannon\n\nWe've chosen Shannon as our Saver of the Month! Her approach to saving for her family’s dream home is a great example of how \\#ThinkingLikeASaver can look different for everyone, but has great payoffs and rewards.\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [A Think Like A Saver Attitude](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/a-think-like-a-saver-attitude\/)\nBy Melissa\n\nMelissa has always been thrifty with a \\#ThinkLikeASaver attitude. This served her family well when her husband lost his job in 2014. Using their savings, Melissa’s family stayed afloat while her husband found a new job.\n\n[America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Saving is a Family Affair](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-is-a-family-affair\/)\nBy Jeff\n\nSaving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save for retirement. But making a commitment and creating a plan to save isn’t a new concept for him.\n\n[American Saver](https:\/\/americasaves.org\/resource-center\/?topic=american-saver) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Saving With My Boys](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-with-my-boys\/)\nBy Kelly\n\nKelly has made saving a family effort. She started her boys saving early. “Probably 3,” Kelly told us, “w...\n\n##### [Budget like Nohemi](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/budget-like-nohemi\/)\nBy Nohemi\n\nNohemi found out about America Saves a few years ago as an undergraduate at the University of Illinois at...\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week)\n\n##### [Put 20 Percent Away](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/put-20-percent-away\/)\nBy Melissa\n\n“I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my...\n\n##### [Starting and Continuing a Savings Journey](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/starting-and-continuing-a-savings-journey\/)\nBy Kiara Hardin\n\nWhen Kiara Hardin, now a junior at Western Illinois University, became an intern with the Chicago Summer ...\n\n[American Saver](https:\/\/americasaves.org\/resource-center\/?topic=american-saver)\n\n##### [Inspired to Build Savings By Starting Small](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/inspired-to-build-savings-by-starting-small\/)\nBy Sharon\n\nWith little-to-no money in the bank and living on a limited income with her adult daughter, Sharon wasn’t sure if building up savings for her future was even possible.\n\n##### [Developing a Savings \"Game Plan\"](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/developing-a-savings-game-plan\/)\nBy Eunice Diaz\n\nEunice Diaz, a teacher in Colorado Springs, had been noticing a pattern. Despite the fact that she and he...\n\n##### [Taking Back Control Over Finances](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/taking-back-control-over-finances\/)\nBy Nadine Bialo\n\nAfter becoming a Virginia Saver and getting help from BankOn classes and coaching, Nadine Bialo took back...\n\n[Debt](https:\/\/americasaves.org\/resource-center\/?topic=debt)\n\n##### [Getting Out of Debt](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/getting-out-of-debt\/)\nBy Tonya Shelton\n\nIn 2004, Tonya Shelton was facing financial ruin. Barely making more than minimum wage and having lost he...\n\n[American Saver](https:\/\/americasaves.org\/resource-center\/?topic=american-saver) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [From Overwhelmed to In Control](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/from-overwhelmed-to-in-control\/)\nBy Debi\n\nIn 2017 Debi felt overwhelmed. Her credit cards were maxed, and she wasn't exactly sure how to handle it....\n\n[Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings) [\\#ImSavingForSweepstakes](https:\/\/americasaves.org\/resource-center\/?topic=#imsavingforsweepstakes)\n\n##### [\\#ImSavingFor Winner Story](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/imsavingfor-winner-story\/)\nBy Pedram R.\n\nAmerica Saves awarded one lucky saver, Pedram R. from California, \\$750 for sharing his \\#ImSavingFor story. Pedram said, “Saving is important to me because it proves I am not willing to buy unnecessary things to please others or to be perceived as successful.”\n\n[America Saves Week](https:\/\/americasaves.org\/resource-center\/?topic=america-saves-week) [Savings](https:\/\/americasaves.org\/resource-center\/?topic=savings)\n\n##### [Saving is a Family Affair](https:\/\/americasaves.org\/resource-center\/saver-tips-and-stories\/saving-is-a-family-affair\/)\nBy Jeff\n\nSaving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save for retirement. But making a commitment and creating a plan to save isn’t a new concept for him.\n\n[SHARE YOUR SAVINGS TIP OR STORY WITH US](https:\/\/americasaves.org\/resource-center\/insights\/creating-a-budget-for-your-family\/)\n\nIf we feature you in our newsletter, you get \\$50.\n\n## You May Also Be Interested In...\n##\n### Take the America Saves Pledge\nMake a pledge to yourself and create a simple savings plan that works.\n\n### Connect to a Campaign\nConnect with a local America Saves campaign for one-on-one help and to learn more about savings initiatives and events in your area.\n\n### Sign-up for ASAW\nAmerica Save at Work is a hub of information and resources to help employers promote financial wellness for their employees.\n\n### Partner News & Updates\nJoin the America Saves email list to receive information about engaging content and events throughout the year.\n***\n\n[![America Saves](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png)](https:\/\/americasaves.org\/)\n\n**America Saves** is a campaign coordinated by the nonprofit  **Consumer Federation of America (CFA)**  and is dedicated to helping individuals save money, reduce debt, and build wealth.\n\n- [![America Saves Week](https:\/\/americasaves.org\/media\/vp4pdtl0\/logo-asw.png)](http:\/\/americasavesweek.org\/)\n- [![](https:\/\/americasaves.org\/media\/l5yfy2ax\/veteran-final-01-3.png)](http:\/\/veteransaves.org\/)\n- [![](https:\/\/americasaves.org\/media\/romlwlgr\/atwork-final-1.png)](https:\/\/americasavesatwork.org\/)\n- [![America Saves for Young Workers](https:\/\/americasaves.org\/media\/fgqo3du4\/logo-asyw.png)](https:\/\/americasavesforyoungworkers.org\/)\n\nContacts\n\n**Consumer Federation of America**\n\nAttn: America Saves\n\n1620 Eye Street NW, Suite 200\n\nWashington, DC 20006\n\n[(202) 387-6121](tel:\$202\$387-6121)\n\n[(202) 265-7989](tel:\$202\$265-7989)\n\n[save@americasaves.org](mailto:save@americasaves.org)\n\nNavigation\n\n[What to save for](https:\/\/americasaves.org\/what-to-save-for\/) [For Organizations](https:\/\/americasaves.org\/for-organizations\/) [Connect to a Campaign](https:\/\/americasaves.org\/connect-to-a-campaign\/) [Resource Center](https:\/\/americasaves.org\/resource-center\/?for=savers) [Privacy Policy](https:\/\/americasaves.org\/privacy-policy\/)\n\nTake the Pledge\n\n#### Take the America Saves Pledge\nSavers who make a plan are twice as likely to save successfully.\n\nTake the Pledge\n\n© 2026, Consumer Federation of America\n\nThose with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today.\n\n![](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png)\n\n### Congrats on completing the pledge\\!\nWe are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving.\n\nThose with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today.\n\n![](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png)\n\n### Congrats on completing the pledge\\!\nWe are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving.\n\nThose with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today.\n\n![](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png)\n\n### Congrats on completing the pledge\\!\nWe are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving.\n\nThose with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today.\n\n![](https:\/\/americasaves.org\/media\/cydfwlsq\/logo-as.png)\n\n### Congrats on completing the pledge\\!\nWe are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving.","attrs_readable_markdown":"We’ve created an easy to use, but thorough, [Spending and Saving Plan tool](https:\/\/americasaves.org\/media\/npqaqram\/as-budgetworksheet-20.xlsx \"AS Budgetworksheet 20\") to use. Before you get started, here are some tips to help you \\#ThinkLikeASaver, ensuring that your money is working smarter and harder for you.\n\n**Step 1. Determine your income.**\n\nTo create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted.\n\n**Step 2. Track both your expenses and your spending.**\n\nThis step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending.\n\nIf you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending \\$10 a day on parking or \\$5 every morning for coffee doesn’t sound like much until you calculate the total cost per month.\n\nTracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts.\n\nOnce you’ve written out your expenses and tracked your spending habits, you’re ready for the next step.\n\n**Step 3. Set your financial goals.**\n\nNow you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve?\n\nSome common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement.\n\n**Step 4. Decrease your spending or increase your income.**\n\nWhat if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want?\n\nYou essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option.\n\nEven if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend.\n\nTake a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month.\n\nThen apply the money that’s been freed up to your savings goals.\n\n**Step 5. Stick to your plan.**\n\nMake sure you stick to your spending and savings plan. To make saving more efficient, [set up automatic savings](https:\/\/americasaves.org\/for-savers\/save-automatically) so that you can set it and forget it! Saving automatically is the easiest way to save.\n\nReassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion.\n\nFollowing your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies.\n\n[**Want us to walk you through, step by step? Take our free, on-demand workshop here.**](https:\/\/americasaves.org\/town-halls\/6-steps-to-establishing-a-spending-and-savings-plan-on-demand\/ \"6 Steps To Establishing A Spending And Savings Plan- On Demand\")\n\nWant a savings accountability partner? Take the [America Saves Pledge or re-pledge](https:\/\/americasaves.org\/for-savers\/pledge\/ \"Pledge\") and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.","meta_canonical":null}

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URL	https://americasaves.org/resource-center/insights/creating-a-budget-for-your-family/
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Meta Title	Creating A Budget For Your Family \| America Saves
Meta Description	It’s always the right time to create a saving and spending plan (aka a budget). It’s also a good idea to revisit that plan annually or when a major shift occurs in your income or expenses.
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Boilerpipe Text	We’ve created an easy to use, but thorough, Spending and Saving Plan tool to use. Before you get started, here are some tips to help you #ThinkLikeASaver, ensuring that your money is working smarter and harder for you. Step 1. Determine your income. To create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted. Step 2. Track both your expenses and your spending. This step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending. If you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending $10 a day on parking or $5 every morning for coffee doesn’t sound like much until you calculate the total cost per month. Tracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts. Once you’ve written out your expenses and tracked your spending habits, you’re ready for the next step. Step 3. Set your financial goals. Now you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve? Some common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement. Step 4. Decrease your spending or increase your income. What if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want? You essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option. Even if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend. Take a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month. Then apply the money that’s been freed up to your savings goals. Step 5. Stick to your plan. Make sure you stick to your spending and savings plan. To make saving more efficient, set up automatic savings so that you can set it and forget it! Saving automatically is the easiest way to save. Reassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion. Following your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies. Want us to walk you through, step by step? Take our free, on-demand workshop here. Want a savings accountability partner? Take the America Saves Pledge or re-pledge and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.
Markdown	[![America Saves](https://americasaves.org/media/cydfwlsq/logo-as.png) ![America Saves](https://americasaves.org/media/keofasjs/logo-as-white.png)](https://americasaves.org/) - [Choose Your Savings Goal](https://americasaves.org/what-to-save-for/) [Emergency fund](https://americasaves.org/what-to-save-for/?goal=emergency-fund) [Large Purchase](https://americasaves.org/what-to-save-for/?goal=large-purchase) [Car](https://americasaves.org/what-to-save-for/?goal=car) [Vacation](https://americasaves.org/what-to-save-for/?goal=vacation) [Retirement](https://americasaves.org/what-to-save-for/?goal=retirement-or-long-term-investment) [Debt Repayment](https://americasaves.org/what-to-save-for/?goal=debt-repayment) [Education](https://americasaves.org/what-to-save-for/?goal=education) [Homeownership](https://americasaves.org/what-to-save-for/?goal=homeownership) [Disability-related expenses](https://americasaves.org/what-to-save-for/?goal=disability-related-expenses) [Investment Savings](https://americasaves.org/what-to-save-for/?goal=investment-savings) [General Savings](https://americasaves.org/what-to-save-for/?goal=general-savings) ##### Emergency fund Nearly a quarter of savers who take the America Saves pledge chose “emergency savings” as their first wealth-building goal. And they have the right idea. [Learn more](https://americasaves.org/what-to-save-for/?goal=emergency-fund) Helpful emergency savings links: [4 Steps to Spending Your Stimulus Check Wisely When You Don't Have An Emergency Fund](https://americasaves.org/resource-center/insights/4-steps-to-spending-your-stimulus-check-wisely-when-you-don-t-have-an-emergency-fund/) [38 Reasons You Need At Least a \$500 Emergency Fund](https://americasaves.org/resource-center/insights/38-reasons-you-need-at-least-a-500-emergency-fund/) [How to Start Your Savings Journey](https://americasaves.org/resource-center/insights/how-to-start-your-savings-journey/) [What's The Easiest Way To Save? Automatically](https://americasaves.org/resource-center/insights/what-s-the-easiest-way-to-save-automatically/) ##### Large Purchase Think and acting like a saver not only means knowing what you’re saving for and how much it costs, but having a plan for building that savings. [Learn more](https://americasaves.org/what-to-save-for/?goal=large-purchase) Helpful Large Purchase Savings Tips: [5 Holiday Mistakes That Could Cost You](https://americasaves.org/resource-center/insights/5-holiday-mistakes-that-could-cost-you/) [How to Save During the Holidays](https://americasaves.org/resource-center/insights/how-to-save-during-the-holidays/) [The S.M.A.R.T. Way to Save for Large Purchases](https://americasaves.org/resource-center/insights/the-s-m-a-r-t-way-to-save-for-large-purchases/) [What's The Easiest Way To Save? Automatically](https://americasaves.org/resource-center/insights/what-s-the-easiest-way-to-save-automatically/) ##### Car Being able to travel by car can help people earn more, spend less, and get better value in their housing. Cars, however, are relatively expensive to purchase and maintain. American households spend, on average, more than \$8,000 dollars on car purchases and maintenance each year. [Learn more](https://americasaves.org/what-to-save-for/?goal=car) Additional links for savers like you: [Sign up for text reminders and savings tips](https://americasaves.org/for-savers/receive-texts/) [Save On Interest With This Debt Repayment Strategy](https://americasaves.org/resource-center/insights/save-on-interest-with-this-debt-repayment-strategy/) [54 Ways to Save Money](https://americasaves.org/resource-center/insights/54-ways-to-save-money/) ##### Vacation Vacation anyone? You might be gearing up for your next trip soon. Luckily, you don’t have to be rolling in dough to travel\! [Learn more](https://americasaves.org/what-to-save-for/?goal=vacation) Check out these resources to help save for your next vacation: [How to Save Money on Your Next Vacation](https://americasaves.org/resource-center/insights/how-to-save-money-on-your-next-vacation/) [A Think Like A Saver Attitude](https://americasaves.org/resource-center/saver-tips-and-stories/a-think-like-a-saver-attitude/) [Save Big on Your Next Vacation with Technology & Pre-Planning](https://americasaves.org/resource-center/insights/save-big-on-your-next-vacation-with-technology-pre-planning/) [What's The Easiest Way To Save? Automatically](https://americasaves.org/resource-center/insights/what-s-the-easiest-way-to-save-automatically/) ##### Retirement Retirement savings is a top priority for many Savers. Saving now for retirement will ensure that you have enough money to enjoy a comfortable standard of living when you stop or reduce the amount of hours you work. [Learn more](https://americasaves.org/what-to-save-for/?goal=retirement-or-long-term-investment) ##### Debt Repayment Getting out of debt is the \#3 goal Savers select when they pledge to save. With planning, discipline, patience, and maybe some outside help, almost anyone can reduce their debts and start to accumulate wealth. [Learn more](https://americasaves.org/what-to-save-for/?goal=debt-repayment) Helpful Debt Repayment Links: [4 Key Mindset Changes To Make When Paying Off Debt](https://americasaves.org/resource-center/insights/4-key-mindset-changes-to-make-when-paying-off-debt/) [Paying Down Debt IS Saving](https://americasaves.org/resource-center/insights/paying-down-debt-is-saving/) [Save On Interest With This Debt Repayment Strategy](https://americasaves.org/resource-center/insights/save-on-interest-with-this-debt-repayment-strategy/) ##### Education Saving for education is the second most popular goal (after saving for emergencies) savers select when they pledge to save with America Saves. [Learn more](https://americasaves.org/what-to-save-for/?goal=education) Helpful Education Savings Links: [Learn more about grants and scholarships](http://studentaid.ed.gov/types/grants-scholarships) [Learn more about Federal Work-Study](http://studentaid.ed.gov/types/work-study) [Learn more about 529 plan fees and how they impact financial aid eligibility](http://www.sec.gov/investor/pubs/intro529.htm) [Learn more about savings bonds](http://www.treasurydirect.gov/indiv/planning/plan_education.htm) [Learn more about federal student loans](https://studentaid.gov/understand-aid/types/loans/federal-vs-private) [8 Ways to Save for Your Child’s Education](https://americasaves.org/resource-center/insights/9-ways-to-save-for-your-child-s-education/) ##### Homeownership Develop a savings plan to build up money for a down payment at purchase, for moving expenses, and for post-purchase emergency expenditures such as needed home repairs. [Learn more](https://americasaves.org/what-to-save-for/?goal=homeownership) Helpful links for future homeowners: [The Unexpected Costs Of Buying A Home](https://americasaves.org/resource-center/insights/the-unexpected-costs-of-buying-a-home/) [Visit Freddie Mac for information about home buying and the mortgage process](http://www.freddiemac.com/homeownership/mortgage_process/) [For more information about home buying and the mortgage process visit Fannie Mae](http://knowyouroptions.com/buy/overview) [Check out Current Mortgage Rates](http://www.bankrate.com/mortgage.aspx) ##### Disability-related expenses Oftentimes, individuals with disabilities may not be familiar with savings options that are available to them or they may be afraid to save money due to the fear of jeopardizing public benefits. [Learn more](https://americasaves.org/what-to-save-for/?goal=disability-related-expenses) Helpful Savings Links: [Saving is an option for individuals with disabilities](https://americasaves.org/resource-center/insights/saving-is-an-option-for-individuals-with-disabilities/) [ABLE Accounts – A Protected Savings Option for Persons with Disabilities](https://americasaves.org/resource-center/insights/able-accounts-a-protected-savings-option-for-persons-with-disabilities/) [54 Ways to Save Money](https://americasaves.org/resource-center/insights/54-ways-to-save-money/) [Sign up for helpful text reminders and savings tips](https://americasaves.org/for-savers/receive-texts/) ##### Investment Savings More and more people who take the America Saves pledge are choosing investment savings as their goal. Making investments can build wealth over time more reliably than using a savings account, but it also involves risk. So, it’s important to educate yourself. [Learn more](https://americasaves.org/what-to-save-for/?goal=investment-savings) Helpful Investment Savings Resources: [Check out the Better Business Bureau’s (BBB) time-tested rules](http://www.bbbmoneynow.org/?lid=1&page=investments) [Check out the Securities and Exchange Commission’s (SEC) guiding principles](https://investor.gov/investing-basics/guiding-principles) [Learn more about investment fees from the SEC](https://investor.gov/research-before-you-invest/research/understanding-fees) ##### General Savings It can be hard to put aside money for savings. But there is an easy way to save money without ever missing it. Make your savings automatic. You can start small and save \$20 a week or month or you can try and save more. [Learn more](https://americasaves.org/what-to-save-for/?goal=general-savings) Helpful General Savings Resources: [54 Ways to Save Money](https://americasaves.org/resource-center/insights/54-ways-to-save-money/) [What's The Easiest Way To Save? Automatically](https://americasaves.org/resource-center/insights/what-s-the-easiest-way-to-save-automatically/) [How to Start Your Savings Journey](https://americasaves.org/resource-center/insights/how-to-start-your-savings-journey/) [38 Reasons You Need At Least a \$500 Emergency Fund](https://americasaves.org/resource-center/insights/38-reasons-you-need-at-least-a-500-emergency-fund/) [5 Ways To Teach Kids How To Save At Home](https://americasaves.org/resource-center/insights/5-ways-to-teach-kids-how-to-save-at-home/) ##### Take the America Saves Pledge Savers who make a plan are twice as likely to save successfully. Take the Pledge ##### Find a Local Campaign There are over 60 local America Saves campaigns located nationwide. [Connect to a Campaign](https://americasaves.org/connect-to-a-campaign/) - [For organizations](https://americasaves.org/for-organizations/) [Our Partners](https://americasaves.org/for-organizations/#partners) [America Saves Week](https://americasavesweek.org/) [Current Initiatives](https://americasaves.org/for-organizations/#initiatives) [Organize a Local Campaign](https://americasaves.org/for-organizations/?goal=organize-a-local-campaign) [America Saves at Work](https://americasaves.org/for-organizations/america-saves-at-work-coalition/) [For Organizations](https://americasaves.org/for-organizations/#partners) ##### Getting Involved America Saves makes it easy for your organization to get involved. Take a look at the different options, and choose the best fit for you and your colleagues. We look forward to working with you\! [Get Started](https://americasaves.org/for-organizations/#getinvolved) ##### Be sure to check out... [Our Partners](https://americasaves.org/for-organizations/#partners) [America Saves Week](https://americasavesweek.org/) [Current Initiatives](https://americasaves.org/for-organizations/#initiatives) [Organize a Local Campaign](https://americasaves.org/for-organizations/?goal=organize-a-local-campaign) [America Saves at Work](https://americasaves.org/for-organizations/america-saves-at-work-coalition/) ##### [Getting To Know The New America Saves\!](https://americasaves.org/resource-center/partner-resource-packets/getting-to-know-the-new-america-saves/) 11\.19.2019 ###### Summit Follow Up The America Saves Summit: Attacking the Savings Crisis took place on Wednesday, November 6, 2019 with engaged leaders representing... [View Details](https://americasaves.org/for-organizations/our-partners/summit-follow-up/) [For Organizations](https://americasaves.org/for-organizations/#partners) - [Resource center](https://americasaves.org/resource-center/?for=savers) [Savers](https://americasaves.org/resource-center/insights/creating-a-budget-for-your-family/) [Insights](https://americasaves.org/resource-center/insights/) [Saver Tips and Stories](https://americasaves.org/resource-center/saver-tips-and-stories/) [Podcasts](https://americasaves.org/resource-center/podcasts/) Check out the latest resources for Savers Organizations [Insights](https://americasaves.org/resource-center/insights/) [Saver Tips and Stories](https://americasaves.org/resource-center/saver-tips-and-stories/) [Podcasts](https://americasaves.org/resource-center/podcasts/) General Savings ###### [54 Ways to Save Money](https://americasaves.org/resource-center/insights/54-ways-to-save-money/) You’ve just taken the America Saves Pledge, or perhaps you simply need some inspiration for ways to save your money -- either way,... [Learn More](https://americasaves.org/resource-center/insights/54-ways-to-save-money/) Credit Cards By America Saves ###### [ATM Card, Debit Card, Credit Card: What’s the Difference?](https://americasaves.org/resource-center/insights/atm-card-debit-card-credit-card-what-s-the-difference/) Ever wonder what are the differences between ATM cards, debit cards, and credit cards? While they may seem similar, each works in ... [Learn More](https://americasaves.org/resource-center/insights/atm-card-debit-card-credit-card-what-s-the-difference/) 10\.28.2025 By Amy Miller, AFC® ###### [Finding Joy in Movie Marathons Without the Price Tag](https://americasaves.org/resource-center/saver-tips-and-stories/finding-joy-in-movie-marathons-without-the-price-tag/) Meet Jean from Mesa, AZ who proves that saving money doesn’t mean giving up the things you love\! [Read More](https://americasaves.org/resource-center/saver-tips-and-stories/finding-joy-in-movie-marathons-without-the-price-tag/) 08\.15.2025 By Amy Miller, AFC® ###### [No-Spend Weekend Challenge \#2: Clear It Out + Cash In](https://americasaves.org/resource-center/saver-tips-and-stories/no-spend-weekend-challenge-2-clear-it-out-cash-in/) Meet Ed from Pottsville, Pennsylvania, one of our inspiring savers who took part in our No-Spend Weekend Challenge and walked away... [Read More](https://americasaves.org/resource-center/saver-tips-and-stories/no-spend-weekend-challenge-2-clear-it-out-cash-in/) By America Saves ###### [Turning to AI for Financial Advice: Helpful Tool or Risky Shortcut?](https://americasaves.org/resource-center/podcasts/episode-30-turning-to-ai-for-financial-advice-helpful-tool-or-risky-shortcut/) More and more people are turning to AI tools like ChatGPT and other generative platforms for help with budgeting, saving, investin... [View Details](https://americasaves.org/resource-center/podcasts/episode-30-turning-to-ai-for-financial-advice-helpful-tool-or-risky-shortcut/) By America Saves ###### [File Confidently, Stress Less: What to Know This Tax Season](https://americasaves.org/resource-center/podcasts/episode-29-file-confidently-stress-less-what-to-know-this-tax-season/) Tax season doesn’t have to be overwhelming. In this episode of Think Like a Saver, Amy and Krystel are joined by Daniel Webber fro... [View Details](https://americasaves.org/resource-center/podcasts/episode-29-file-confidently-stress-less-what-to-know-this-tax-season/) [Partner Resource Packets](https://americasaves.org/resource-center/partner-resource-packets/) [Downloads](https://americasaves.org/resource-center/downloads/) - [About Us](https://americasaves.org/about-us/) [Newsroom](https://americasaves.org/newsroom/) [View 2024 Media Kit](https://americasaves.org/media/nihhxiav/mediakit-2024.pdf) [View Our Logic Model](https://americasaves.org/media/hlydsokn/logic-model-v2.pdf) - ##### Frequently searched [Save](https://americasaves.org/search/?q=Save) [Campaign](https://americasaves.org/search/?q=Campaign) [Pledge](https://americasaves.org/search/?q=Pledge) [Resource packet](https://americasaves.org/search/?q=Resource%20packet) Start saving for your future today\! Take the Pledge - [Back to all](https://americasaves.org/resource-center/?type=insights) - [Previous 8 Ways to Save for Your Child’s Education](https://americasaves.org/resource-center/insights/9-ways-to-save-for-your-child-s-education/) - [Next Save On Interest With This Debt Repayment Strategy](https://americasaves.org/resource-center/insights/save-on-interest-with-this-debt-repayment-strategy/) [Emergency fund](https://americasaves.org/resource-center/?goal=emergency-fund) 06\.25.2020 By Kia McCallister-Young # Creating a Spending & Savings Plan For Your Family It’s always the right time to create a saving and spending plan (aka a budget). It’s also a good idea to revisit that plan annually or when a major shift occurs in your income or expenses. Related Topics [Spending and Saving Plan](https://americasaves.org/resource-center/?topic=spending-and-saving-plan) We’ve created an easy to use, but thorough, [Spending and Saving Plan tool](https://americasaves.org/media/npqaqram/as-budgetworksheet-20.xlsx "AS Budgetworksheet 20") to use. Before you get started, here are some tips to help you \#ThinkLikeASaver, ensuring that your money is working smarter and harder for you. Step 1. Determine your income. To create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted. Step 2. Track both your expenses and your spending. This step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending. If you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending \$10 a day on parking or \$5 every morning for coffee doesn’t sound like much until you calculate the total cost per month. Tracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts. Once you’ve written out your expenses and tracked your spending habits, you’re ready for the next step. Step 3. Set your financial goals. Now you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve? Some common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement. Step 4. Decrease your spending or increase your income. What if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want? You essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option. Even if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend. Take a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month. Then apply the money that’s been freed up to your savings goals. Step 5. Stick to your plan. Make sure you stick to your spending and savings plan. To make saving more efficient, [set up automatic savings](https://americasaves.org/for-savers/save-automatically) so that you can set it and forget it! Saving automatically is the easiest way to save. Reassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion. Following your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies. [Want us to walk you through, step by step? Take our free, on-demand workshop here.](https://americasaves.org/town-halls/6-steps-to-establishing-a-spending-and-savings-plan-on-demand/ "6 Steps To Establishing A Spending And Savings Plan- On Demand") Want a savings accountability partner? Take the [America Saves Pledge or re-pledge](https://americasaves.org/for-savers/pledge/ "Pledge") and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal. ### Check out these related insights\! 12\.19.2023 By Amy Miller #### [Staying on Track with Your Spending & Savings Plan](https://americasaves.org/resource-center/insights/staying-on-track-with-your-spending-savings-plan/) * ### Related Tags - [Spending and Saving Plan](https://americasaves.org/resource-center/?topic=spending-and-saving-plan) ## CHECK OUT OTHER SAVINGS JOURNEYS FROM SAVERS JUST LIKE YOU Debt Repayment [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Clear It Out + Cash In](https://americasaves.org/resource-center/saver-tips-and-stories/clear-it-out-cash-in/) 07\.31.2025 By Amy Miller, AFC Meet David from Los Angeles: A dedicated saver with a seriously savvy weekend routine that helps him stay on track with his financial goals. [Unemployment](https://americasaves.org/resource-center/?topic=unemployment) ##### [Coping With A Job Loss](https://americasaves.org/resource-center/saver-tips-and-stories/coping-with-a-job-loss/) By Aimee Shaffer Aimee Shaffer worked as a Public Service News Director for radio for years until one day her employer dow... ##### [Taking Steps Toward Financial Fitness](https://americasaves.org/resource-center/saver-tips-and-stories/taking-steps-toward-financial-fitness/) By Nicky Vasquez Nicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach.... [Savings](https://americasaves.org/resource-center/?topic=savings) [\#ImSavingForSweepstakes](https://americasaves.org/resource-center/?topic=#imsavingforsweepstakes) ##### [\#ImSavingFor Winner Story](https://americasaves.org/resource-center/saver-tips-and-stories/imsavingfor-winner-story/) By Pedram R. America Saves awarded one lucky saver, Pedram R. from California, \$750 for sharing his \#ImSavingFor story... [Savings](https://americasaves.org/resource-center/?topic=savings) [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) ##### [Put 20 Percent Away](https://americasaves.org/resource-center/saver-tips-and-stories/put-20-percent-away/) By Melissa “I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my... ##### [Jump-Starting a Financial Makeover](https://americasaves.org/resource-center/saver-tips-and-stories/jump-starting-a-financial-makeover/) By Nichelle Johnson Nichelle Johnson, a single mom with two teenage children, knows what it’s like to stretch a dollar. When she moved back to Virginia Beach in 2008, she provided for her family with just a part-time library position. [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Saving is a Family Affair](https://americasaves.org/resource-center/saver-tips-and-stories/saving-is-a-family-affair/) By Jeff Saving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save ... [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Clear It Out + Cash In](https://americasaves.org/resource-center/saver-tips-and-stories/clear-it-out-cash-in/) 07\.31.2025 By Amy Miller, AFC Meet David from Los Angeles: A dedicated saver with a seriously savvy weekend routine that helps him sta... [Savings](https://americasaves.org/resource-center/?topic=savings) [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) ##### [Put 20 Percent Away](https://americasaves.org/resource-center/saver-tips-and-stories/put-20-percent-away/) By Melissa “I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my... [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [A Think Like A Saver Attitude](https://americasaves.org/resource-center/saver-tips-and-stories/a-think-like-a-saver-attitude/) By Melissa Melissa has always been thrifty with a \#ThinkLikeASaver attitude. This served her family well when her hu... ##### [Budget like Nohemi](https://americasaves.org/resource-center/saver-tips-and-stories/budget-like-nohemi/) By Nohemi Nohemi found out about America Saves a few years ago as an undergraduate at the University of Illinois at Chicago. She remembers attending a University of Illinois Saves event where she decorated a piggy bank and took the Pledge, but college life made her put the thought of saving at the back of her mind. ##### [Another Dream Realized](https://americasaves.org/resource-center/saver-tips-and-stories/another-dream-realized/) By Mary Brown Mary Brown was already a disciplined individual when she came to Wisconsin Women’s Business Initiative Co... ##### [Taking Steps Toward Financial Fitness](https://americasaves.org/resource-center/saver-tips-and-stories/taking-steps-toward-financial-fitness/) By Nicky Vasquez Nicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach.... [American Saver](https://americasaves.org/resource-center/?topic=american-saver) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Saving With My Boys](https://americasaves.org/resource-center/saver-tips-and-stories/saving-with-my-boys/) By Kelly Kelly has made saving a family effort. She started her boys saving early. “Probably 3,” Kelly told us, “w... [Young Saver](https://americasaves.org/resource-center/?topic=young-saver) ##### [Saving Early: Key to Successful Future](https://americasaves.org/resource-center/saver-tips-and-stories/saving-early-key-to-successful-future/) By Johnnie Lovett For Johnnie Lovett, a Young Illinois Saver, saving has been a habit since he was a teenager. “As a teenag... [Savings](https://americasaves.org/resource-center/?topic=savings) [Home](https://americasaves.org/resource-center/?topic=home) ##### [Saver Story: Set a Goal, Make a Plan\!](https://americasaves.org/resource-center/saver-tips-and-stories/saver-story-set-a-goal-make-a-plan/) By Shannon We've chosen Shannon as our Saver of the Month! Her approach to saving for her family’s dream home is a great example of how \#ThinkingLikeASaver can look different for everyone, but has great payoffs and rewards. [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [A Think Like A Saver Attitude](https://americasaves.org/resource-center/saver-tips-and-stories/a-think-like-a-saver-attitude/) By Melissa Melissa has always been thrifty with a \#ThinkLikeASaver attitude. This served her family well when her husband lost his job in 2014. Using their savings, Melissa’s family stayed afloat while her husband found a new job. [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Saving is a Family Affair](https://americasaves.org/resource-center/saver-tips-and-stories/saving-is-a-family-affair/) By Jeff Saving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save for retirement. But making a commitment and creating a plan to save isn’t a new concept for him. [American Saver](https://americasaves.org/resource-center/?topic=american-saver) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Saving With My Boys](https://americasaves.org/resource-center/saver-tips-and-stories/saving-with-my-boys/) By Kelly Kelly has made saving a family effort. She started her boys saving early. “Probably 3,” Kelly told us, “w... ##### [Budget like Nohemi](https://americasaves.org/resource-center/saver-tips-and-stories/budget-like-nohemi/) By Nohemi Nohemi found out about America Saves a few years ago as an undergraduate at the University of Illinois at... [Savings](https://americasaves.org/resource-center/?topic=savings) [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) ##### [Put 20 Percent Away](https://americasaves.org/resource-center/saver-tips-and-stories/put-20-percent-away/) By Melissa “I am a single mother, and I make ends meet for me and my daughter, but I wanted to put money away for my... ##### [Starting and Continuing a Savings Journey](https://americasaves.org/resource-center/saver-tips-and-stories/starting-and-continuing-a-savings-journey/) By Kiara Hardin When Kiara Hardin, now a junior at Western Illinois University, became an intern with the Chicago Summer ... [American Saver](https://americasaves.org/resource-center/?topic=american-saver) ##### [Inspired to Build Savings By Starting Small](https://americasaves.org/resource-center/saver-tips-and-stories/inspired-to-build-savings-by-starting-small/) By Sharon With little-to-no money in the bank and living on a limited income with her adult daughter, Sharon wasn’t sure if building up savings for her future was even possible. ##### [Developing a Savings "Game Plan"](https://americasaves.org/resource-center/saver-tips-and-stories/developing-a-savings-game-plan/) By Eunice Diaz Eunice Diaz, a teacher in Colorado Springs, had been noticing a pattern. Despite the fact that she and he... ##### [Taking Back Control Over Finances](https://americasaves.org/resource-center/saver-tips-and-stories/taking-back-control-over-finances/) By Nadine Bialo After becoming a Virginia Saver and getting help from BankOn classes and coaching, Nadine Bialo took back... [Debt](https://americasaves.org/resource-center/?topic=debt) ##### [Getting Out of Debt](https://americasaves.org/resource-center/saver-tips-and-stories/getting-out-of-debt/) By Tonya Shelton In 2004, Tonya Shelton was facing financial ruin. Barely making more than minimum wage and having lost he... [American Saver](https://americasaves.org/resource-center/?topic=american-saver) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [From Overwhelmed to In Control](https://americasaves.org/resource-center/saver-tips-and-stories/from-overwhelmed-to-in-control/) By Debi In 2017 Debi felt overwhelmed. Her credit cards were maxed, and she wasn't exactly sure how to handle it.... [Savings](https://americasaves.org/resource-center/?topic=savings) [\#ImSavingForSweepstakes](https://americasaves.org/resource-center/?topic=#imsavingforsweepstakes) ##### [\#ImSavingFor Winner Story](https://americasaves.org/resource-center/saver-tips-and-stories/imsavingfor-winner-story/) By Pedram R. America Saves awarded one lucky saver, Pedram R. from California, \$750 for sharing his \#ImSavingFor story. Pedram said, “Saving is important to me because it proves I am not willing to buy unnecessary things to please others or to be perceived as successful.” [America Saves Week](https://americasaves.org/resource-center/?topic=america-saves-week) [Savings](https://americasaves.org/resource-center/?topic=savings) ##### [Saving is a Family Affair](https://americasaves.org/resource-center/saver-tips-and-stories/saving-is-a-family-affair/) By Jeff Saving is truly a family affair for Jeff’s household. During America Saves Week 2019, he pledged to save for retirement. But making a commitment and creating a plan to save isn’t a new concept for him. [SHARE YOUR SAVINGS TIP OR STORY WITH US](https://americasaves.org/resource-center/insights/creating-a-budget-for-your-family/) If we feature you in our newsletter, you get \$50. ## You May Also Be Interested In... ## ### Take the America Saves Pledge Make a pledge to yourself and create a simple savings plan that works. ### Connect to a Campaign Connect with a local America Saves campaign for one-on-one help and to learn more about savings initiatives and events in your area. ### Sign-up for ASAW America Save at Work is a hub of information and resources to help employers promote financial wellness for their employees. ### Partner News & Updates Join the America Saves email list to receive information about engaging content and events throughout the year. * [![America Saves](https://americasaves.org/media/cydfwlsq/logo-as.png)](https://americasaves.org/) America Saves is a campaign coordinated by the nonprofit Consumer Federation of America (CFA) and is dedicated to helping individuals save money, reduce debt, and build wealth. - [![America Saves Week](https://americasaves.org/media/vp4pdtl0/logo-asw.png)](http://americasavesweek.org/) - [![](https://americasaves.org/media/l5yfy2ax/veteran-final-01-3.png)](http://veteransaves.org/) - [![](https://americasaves.org/media/romlwlgr/atwork-final-1.png)](https://americasavesatwork.org/) - [![America Saves for Young Workers](https://americasaves.org/media/fgqo3du4/logo-asyw.png)](https://americasavesforyoungworkers.org/) Contacts Consumer Federation of America Attn: America Saves 1620 Eye Street NW, Suite 200 Washington, DC 20006 [(202) 387-6121](tel:$202$387-6121) [(202) 265-7989](tel:$202$265-7989) [save@americasaves.org](mailto:save@americasaves.org) Navigation [What to save for](https://americasaves.org/what-to-save-for/) [For Organizations](https://americasaves.org/for-organizations/) [Connect to a Campaign](https://americasaves.org/connect-to-a-campaign/) [Resource Center](https://americasaves.org/resource-center/?for=savers) [Privacy Policy](https://americasaves.org/privacy-policy/) Take the Pledge #### Take the America Saves Pledge Savers who make a plan are twice as likely to save successfully. Take the Pledge © 2026, Consumer Federation of America Those with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today. ![](https://americasaves.org/media/cydfwlsq/logo-as.png) ### Congrats on completing the pledge\! We are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving. Those with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today. ![](https://americasaves.org/media/cydfwlsq/logo-as.png) ### Congrats on completing the pledge\! We are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving. Those with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today. ![](https://americasaves.org/media/cydfwlsq/logo-as.png) ### Congrats on completing the pledge\! We are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving. Those with a savings plan are twice as likely to save successfully. Taking the America Saves Pledge is a pledge to yourself to start a savings journey and America Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today. ![](https://americasaves.org/media/cydfwlsq/logo-as.png) ### Congrats on completing the pledge\! We are so glad you have started your savings journey and America Saves will be right beside you the whole way! You will soon receive an email from the America Saves team to help encourage you. Find helpful links below to continue researching topics on saving.
Readable Markdown	We’ve created an easy to use, but thorough, [Spending and Saving Plan tool](https://americasaves.org/media/npqaqram/as-budgetworksheet-20.xlsx "AS Budgetworksheet 20") to use. Before you get started, here are some tips to help you \#ThinkLikeASaver, ensuring that your money is working smarter and harder for you. Step 1. Determine your income. To create an effective spending and savings plan, you need to know exactly how much money you’re bringing in each month. Calculate your monthly income by adding your paychecks and any other source of income that you receive regularly. Be sure to use your net pay rather than your gross pay. Your net pay is the amount you receive after taxes and other allocations, like retirement savings, are deducted. Step 2. Track both your expenses and your spending. This step is essential. It’s not enough to write out your actual expenses, like rent or mortgage, food, and auto insurance, you must also track what you are spending. If you’ve ever felt like your money “just disappears,” you’re not the only one. Tracking your spending is a great way to find out exactly where your money goes. Spending \$10 a day on parking or \$5 every morning for coffee doesn’t sound like much until you calculate the total cost per month. Tracking your spending will help you pinpoint the areas you may be overspending and help you quickly identify where you can make cost-efficient cuts. Once you’ve written out your expenses and tracked your spending habits, you’re ready for the next step. Step 3. Set your financial goals. Now you get to look at your present financial situation and habits and decide what you want your future to look like. Ask yourself what’s most important to you right now? What financial goals do you want to achieve? Some common goals include building an emergency fund, paying down debt, purchasing a home or car, saving for education, and retirement. Step 4. Decrease your spending or increase your income. What if you set your financial goals and realize there’s not enough money left at the end of the month to save for the things you want? You essentially have two choices. You can either change the way you manage your current income or add a new source of income. In today’s gig economy, it’s easier than ever to add a stream of income, but we know that everyone’s situation is different, and that’s not always an option. Even if you can add income, you may have identified some spending habits you’d like to change by decreasing how much you spend. Take a look back at your expense tracking. For the nonessential items, consider reducing your spending. For example, if you find that you are spending quite a bit on entertainment, like movies or dining out, reduce the number of times you go per month. Then apply the money that’s been freed up to your savings goals. Step 5. Stick to your plan. Make sure you stick to your spending and savings plan. To make saving more efficient, [set up automatic savings](https://americasaves.org/for-savers/save-automatically) so that you can set it and forget it! Saving automatically is the easiest way to save. Reassess and adjust your plan whenever you have life changes such as marriage, a new baby, a move, or a promotion. Following your plan ensures that you’re financially stable, are ‘thinking like a saver,’ and better prepared for those unexpected emergencies. [Want us to walk you through, step by step? Take our free, on-demand workshop here.](https://americasaves.org/town-halls/6-steps-to-establishing-a-spending-and-savings-plan-on-demand/ "6 Steps To Establishing A Spending And Savings Plan- On Demand") Want a savings accountability partner? Take the [America Saves Pledge or re-pledge](https://americasaves.org/for-savers/pledge/ "Pledge") and commit to saving successfully. America Saves will support you by being your “Savings Accountability Partner” with tips, resources, nudges, and email and text communications to help you stay on track of your savings goal.
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