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Budgeting and Spending

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Why budgeting is important, no matter how much money you earn.

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Introduction to Budgeting   

Why budgeting is important, no matter how much money you earn.
$100 bill on computer circuit board

Tracking Your Spending   

Tracking your money can be a powerful way to spot unplanned spending.
Two fingers climbing a $100 staircase

Income and Expenses

A big part of budgeting is identifying income and listing expenses.
Young woman with magnifying glass to her eye.

Evaluating Your Budget

After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
Man making two small piles of dollar bills.

Debt and the Pressure to Spend

It’s wonderful to have the freedom to buy so many products, but unless you’re rich, the key to happy spending is planned spending.
Person putting coin into a pink piggy bank.

Money Saving Ideas

Looking for ideas for ways to save money? Almost everyone can find a way to save using at least one of these tips.
Man on the top of a staircase made with a dollar bill.

How to Improve Cash Flow   

Cash flow is a key indicator of your financial health.

Financial Wellness Home

This Week

Man balancing on a red robe suspended in the clouds. Rope becomes stairs.

Avoiding Common Financial Pitfalls

Each stage of life brings new financial responsibilities and challenges. Let's take a look at some common financial pitfalls people experience in each decade.

About First Service Federal Credit Union

First Service is open to everyone who lives, works, worships or attends school in Franklin, Delaware, Fairfield, Licking, Madison, Morrow, Pickaway, or Union County! You can open your account with as little as $5. Simply visit any of our branch locations during regular business hours to join or open your account online. It's that easy!

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