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.

Spend

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.






 

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.

  • Open with $25 minimum deposit
  • No minimum balance or monthly fees
  • Unlimited check writing and debit card usage
  • Funds federally insured up to $250,000
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
 
 


 

eMoney Manager


eMoney Manager is a free tool within online and mobile banking that helps you create a plan for financial health.







 

Learn More
 


 

Bill Pay


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. Once you enroll in Bill Pay within online banking, you can also pay bills directly from our mobile app.

Learn More
 


 

Cashflow Calendar

 
eMoney Manager Cashflow Calendar is a free tool within online and mobile banking that helps you plan for paying bills throughout the month.




 

Get Started
 
   
Article: Rework Bills & Manage Debt
Article: Rework Bills & Manage Debt

Having a hard time making ends meet? We can help.

Watch Now
Creating a Spending Plan
Article: Creating a Spending Plan

Learn some extra tips on how to create a spending plan

Read More
Creating a Spending Plan
Article: GreenPath                          

We can help connect you with our partners who are experienced in financial counseling.

Read More
   
Housing Resources
 

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

View All

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.

  • Open with $25 minimum deposit
  • No minimum balance or monthly fees
  • Unlimited check writing and debit card usage
  • Funds federally insured up to $250,000
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.

  • Only $25 minimum deposit required to open
  • Competitive dividends paid monthly on any balance
  • No monthly fees when enrolled in direct deposit and online statements
Get Details
 


 

Cashflow Calendar

 
eMoney Manager Cashflow Calendar is a free tool within online and mobile banking that helps you plan for paying bills throughout the month.





 

Get Started
 
 
   
Webinar: Tips for Navigating the Job Market
Webinar: Tips for Navigating the Job Market

Credit Human is here to help our community during these challenging times with free webinars.

Read More
Creating a Spending Plan
Article: GreenPath                          

We can help connect you with our partners who are experienced in financial counseling.

Read More
 

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

View All

Saving 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

Plam

 

Planning ahead and getting insured are key factors in creating and maintaining financial slack.

 
Explore

Save

Save

 

Having a sufficient liquid savings and a long-term savings helps us weather unexpected events and reach our goals.

Explore

Borrow

Borrow

 

Building credit and managing debt ensure our ability to create and maintain financial slack.

 
Explore

Make an Appointment

Schedule your appointment with the Financial Health Center today.  Choose the date and time that works best for you.

get started

Tools for Spending

Knowledge and skills you can use to help you create and maintain financial slack.

Learn More

Building Slack

Credit Human is committed to helping our community by providing resources for less financial stress.

Learn More

Feeling financial stress?

Discover how you can build financial slack and stress less.

Learn More


*Non-deposit Investment products and services offered through CUSO Financial Services, L.P. (Member FINRA/SIPC)