Sometimes, it’s not about the amount of money that you make, but how you spend it. To determine if budgeting is right for you, there are a few questions to ask yourself. Do I want to save more money? Do I feel like my checking/savings account is just a temporary placeholder for my money? Do I have financial dreams that I would like to achieve?

If the answer to any of those questions were yes, then budgeting is for you. In the latest episode of Wallet Watch, DaVante, Catherine, and our special guest Sarah talk about the ins and outs of budgeting. Whether it’s paying yourself first, being more intentional with your spending, or saving up for the new car, we’ve got you covered.

Do you want transcripts for any of our episodes? Email us a request at financialeducation@msufcu.org. Transcripts offer an excellent way to have a copy of the tips and topics we cover in each episode.

Also, we have a contest! All you have to do is comment under one of the Financial 4.0 social media posts for this episode to receive an entry for Season 3. Be sure to tag a friend. Look for more episodes from this season for opportunities for additional entries.

Spotify: App and Web Player

Apple Podcast: App and iTunes

Podbean: App and Website

Chances of winning are based on the number of entries during the contest time period. Only one entry per participant, per episode will be accepted. MSU Federal Credit Union and OU Credit Union employees, board of directors, and their families are not eligible to win.

You may also enter by sending a 3-inch by 5-inch card with your first and last name, address, phone number, and email address to: MSU Federal Credit Union ATTN: Financial Education Department: Wallet Watch Contest “Budgeting: Recovering from the Holidays,”3777 West Road, East Lansing, MI 48823.

This contest runs from February 5, 2020, through April 29, 2020. The winner will be drawn on May 13, 2020, by the Financial Education department of MSU Federal Credit Union, whose decisions are final. The winner of the gift card must agree to sign a release form allowing MSU Federal Credit Union to use his/her name for promotional purposes for Financial 4.0 and any future MSUFCU promotional materials.

MSUFCU is not responsible for any damage caused to entrants' mobile device due to participation in the contest. MSUFCU reserves the right to cancel the online component of the contest should it become technically corrupted, and the winner will be chosen from all eligible entries received prior to that time.

Winner understands that prizes may not be substituted or assigned.

Entrants agree by entering that unless prohibited by law, MSU Federal Credit Union may use, if entrant is a winner, entrant's name, city and state of residence, photograph, and likeness for advertising trade and any other purposes in any media now or hereafter known without further compensation, permission, or notification. Entrants further agree that the aforementioned parties and all of their respective officers, directors, shareholders, employees, representatives, and agents will have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity, including, without limitation, personal injury or death to entrant or any other person or damage to personal or real property, due in whole or in part. MSUFCU maintains the right to change or modify these rules at any time without notice.

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