Spend
We’re here to help you spend responsibly
Spending is an essential function of our everyday lives. We know that spending less than your income is how we build financial slack. We’re here to support you as you look at your spending so you can reduce your financial stress.
There are many factors that help us determine how we spend our money. Making thoughtful decisions about our spending will better our chances at reaching our financial goals. There are two things that we should focus on when thinking about spending – paying bills on time and spending less than we earn.
Paying Bills
Paying bills on time is an important factor in determining your financial health. You should regularly take inventory of what bills you have and see if there are any you can eliminate or reduce. Another strategy is to see if you can change due dates to align with when your income comes in. Including this in a spending plan will keep you on track and help you reach financial goals.We’re here for you with resources to support you while you spend.
Financial Health Center
Credit Human is dedicated to not only improving the financial lives of members and their families, but also the communities we serve.
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Free Checking
It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.
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Spending Plan Worksheet
Our spending plan worksheet can help you see where your money is going every month and calculate how much slack you have to achieve your savings goals.
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Financial Health Tools
We’ve integrated a robust set of financial health tools available right in your dashboard. Features include the Financial Health Snapshot, Connect a Financial Institution, Spending Analysis and Spending Forecast.
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Bill Center
Pay your bills conveniently from one secure place. You decide whom, when, and how often to pay. Schedule one-time or recurring payments from your Credit Human checking or money market account.
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Financial Health Snapshot
You can get regular snapshots of your financial health to ensure your financial life is on track. Financial Health Snapshot assesses your planning, saving, spending, borrowing and credit score to share an overview of your financial wellbeing based on the financial institution accounts you’ve connected in online and mobile banking.
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Article: Rework Bills & Manage Debt
Having a hard time making ends meet? We can help.
Article: Creating a Spending Plan
Learn some extra tips on how to create a spending plan
Article: GreenPath
We can help connect you with our partners who are experienced in financial counseling.Additional Resources
Knowledge and skills you can use to help you create and maintain financial slack
Checking Accounts
Preventing Overdraft Fees
What is a mobile wallet and how can I use it?
Budgeting for Families
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Spend less than Income
The main way to create financial slack is to spend less than you earn. The first step is taking a look at how much you spend. Then you can compare this to how much you earn. In order to create financial slack and ensure you are spending less than you earn you should ask yourself if there is a way you can earn more, ways you can spend less or both. Doing a spending plan is a great way to get started.
We’re here for you with resources to support you while you spend.
Financial Health Center
Credit Human is dedicated to not only improving the financial lives of members and their families, but also the communities we serve.
Learn More
Free Checking
It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.
Get Details
Spending Plan Worksheet
Our spending plan worksheet can help you see where your money is going every month and calculate how much slack you have to achieve your savings goals.
Download
Dividend Checking
Dividend Checking allows you to earn dividends on your balance and enjoy all the conveniences that come with all of our checking accounts.
Get Details
Spending Analysis
A graph of your past and current spending to help you maintain your spending plan. You can even customize category and transactions names.
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Webinar: Tips for Navigating the Job Market
Credit Human is here to help our community during these challenging times with free webinars.
Article: GreenPath
We can help connect you with our partners who are experienced in financial counseling.Additional Resources
Knowledge and skills you can use to help you create and maintain financial slackSaving isn’t the only thing to consider when thinking about your financial slack. Explore more in the areas of plan, save and borrow below.
Plan
Planning ahead and getting insured are key factors in creating and maintaining financial slack.
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Save
Having a sufficient liquid savings and a long-term savings helps us weather unexpected events and reach our goals.
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Borrow
Building credit and managing debt ensure our ability to create and maintain financial slack.
Go
*Non-deposit Investment products and services offered through CUSO Financial Services, L.P. (Member FINRA/SIPC)
Tools for Spending
Knowledge and skills you can use to help you create and maintain financial slack.
Learn MoreBuilding Slack
Credit Human is committed to helping our community by providing resources for less financial stress.
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