BEE A SMART SPENDER AND SAVER
Create Savings Goal
Creating a Budget

The first step to being a smart saver is to know how you spend your money.  Creating a budget will help you realize what you spend your money on and how to save more money. 

The first step: Figure out what your income is for the month.  Your income is any money that you earn or receive as a gift. 

The second step: Figure out your expenses.  Your expenses are how much money you spend.  Spent money includes how much you spend on clothes, snacks, or anything else that you may want including how much you save. 

The third step: Subtract your expenses from your income.  The income (money received) should be greater than your expenses (money spent).   
 
TIP: Put some money in your savings before you start spending. 

Budget Forms (PDF)



 
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