Small steps go a long way to making the most of your money. Building your savings, avoiding fees and paying less when you borrow are excellent steps. Here are some resources to get you started.

• 10 Savings Strategies
• 5 Ways to Save Using Your Tax Refund or Bonus
• 10 Tips for Saving Money
• Building an Emergency Fund
• Certificate Laddering
• Checkbook Balancing Form: Excel or PDF
• How to Avoid Fees
• Important Document Locator Form

BALANCE, a financial fitness program for members, provides personal finance resources and counseling

• Fritter Finder — a spending tracking form to take with you in your purse a wallet
• Money management planner — a budgeting resource to help you set goals, monitor your cash flow and track expenses
• How to manage your finances in a slow economy — information and tips for surviving in turbulent times
• Preparing for a financial setback — tips for making the most of less income
• What to do if your income is reduced — short term and long term advice for surviving on less
• Financial first aid — what to do if you're having trouble paying all your bills
• BalanceTrack — online personal finance courses

Additional Resources

• America Saves
• Consumer Debit Resource — ChexSystems
• Kiplinger Online
• Money Matters for Virginians
• The Motley Fool
• My Money.gov
• SmartMoney
• U.S. Savings Bonds

Please contact us if you have questions or we can help you in any way.