Budgeting Hub

With a wide range of articles and calculators, we've got you covered with everything you need to refine your money management skills and take control of your finances.

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How to Create A Budget

We'll assess your financial priorities and match them with your current income and expenses to help you establish a budget that will work comfortably for you.

Find your base

Gather all documents that detail income, expenses or debt. Review bank statements, investment accounts, utility and credit card bills, insurance premiums and tuition.

Record your living expenses

Record everything you spend in a typical month, including food, clothing, entertainment, gas for your car, etc.

Identify your needs and wants

Divide your expenses into two categories, needs and wants. You might start by asking yourself "Can I live without it?" For example, utility bills, health insurance and mortgage payments are essentials, but could you live without your TV streaming service, vacations or dining out?

Create your spending plan

After identifying your true needs, calculate how much money to put toward savings, debt and any items that are above and beyond.

Review and adjust

Review your budget each month. If your monthly expenses are variable or increase permanently, adjust your plan to stay in control of your spending while continuing to work toward your financial goals.

Checking Account Options

Managing your money is easy and worry-free when you choose one of our checking account options. We'll take the time to understand your needs to find the one that's right for you.

Digital Checking

Take advantage of no monthly fees, overdraft fees or ongoing minimum balance requirements. This affordable, checkless account makes digitally managing your money simple and secure so you can achieve your financial goals.

OPEN ACCOUNT

Essential Checking

Eliminate monthly maintenance fees and balance requirements with a monthly automatic (ACH) direct deposit made to your checking account.

Signature Checking

Earn interest, eliminate maintenance fees and balance requirements when you link the balances from your other eligible Johnson Financial Group accounts.

OPEN ACCOUNT

Consider the 50/30/20 model to help you budget your needs, wants and savings, respectively. If your needs exceed 50% of your income, you might have to adjust your wants until you can achieve better balance.

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MyFinance Manager

Conveniently manage your financial future.

Budgeting, linking accounts at other financial institutions, auto-categorization, and debt management are just a few of the tools you can use to manage your financial future. Conveniently access MyFinance Manager from your desktop, tablet or mobile phone and view your complete financial picture.

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Budgeting Resources

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7 Money Management Tips for Your First Job

Learn how to effectively manage your money from day one of your first job. From budgeting to saving and investing, these essential tips set you up for long-term financial success.

Melissa Olson on Your Money. Your Mission. Podcast

Money Moves: Smart Financial Strategies for Early Career Success

In this episode, Melissa Olson shares essential financial strategies for young professionals, highlighting the importance of early retirement savings, distinguishing needs from wants and effective debt management to achieve long-term financial stability and success.

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Loud Budgeting: The Trending Strategy That’ll Transform Your Finances

Loud budgeting is trending all over the internet — but what is it? Learn more about this emerging financial strategy, and why you should implement it this year and beyond.

The Ultimate Guide to Wedding Budgeting

Wondering how you can make the perfect wedding budget? Follow this step-by-step guide so you can manage your money effectively throughout the entire planning process.

Woman tiering a bow around wedding flowers.

Planning a Wedding? These 10 Budgeting Tips Will Help You Save Money

While planning a wedding is a large financial endeavor, you don’t have to sacrifice your long-term financial goals to have the celebration of your dreams. Brooke Harycki, VP, Consumer Banking Regional Manager, shares a few saving strategies and planning tips for newly engaged couples.

Jillian Scheidegger discusses reasons that it's important to work with experts to help you gain financial freedom.

Get Out of Debt: How Busy Professionals Can Achieve Financial Freedom

As a former student that's not ready to sacrifice your quality of life, it can be difficult to make an impact on your student debt - even if you're a high earner. In this episode, Attorney Jillian Scheidegger joins us to break down her financial situation and how she was able to pay off her “mountain of debt” in only five years–all without going on an extremely strict budget.

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Stress-Free Vacation: 4 Financial Tips for Traveling Abroad

Planning an international trip? These financial traveling tips will ease stress and remove worry from your vacation plans.

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