Your 2023 tax forms have been mailed. They are also available in digital banking by selecting Documents & Statements, then Tax Forms & Notices. Learn more at

Step 1 of 10 Steps to Financial Wellness

Mastering the skill of tracking your spending is easier said than done. How can you track every dollar you spend when you make multiple purchases each day?

Man drinking coffee and looking at phoneFor the first step in your journey to financial wellness, we've outlined a relatively stress-free way to track your spending. This is a crucial first step to achieving financial wellness.

Choose your tool

With the proper resources, tracking your spending can be quick and simple. Depending on your comfort level, one of the following money-tracking techniques will be beneficial for tracking.

  • Budgeting apps. In the digital age, a budgeting app is the most convenient way to track your spending. Apps like YNAB or Mint allow you to allocate a specific amount of money for each spending category and enable you to track your spending with just a few clicks.
  • Track yourself. Prefer the manual route? Whether you choose to put pencil to paper or record your spending habits on a spreadsheet, you’ll want to be extra diligent. This will be a daily gig.  

Review, review, review

Whether you go the app-assisted or manual route, it’s a good habit to also review your checking account and credit card statements at the end of each month. Not only will this help you double-check your figures, it also makes it easier to spot potentially fraudulent activity that you can fix before it’s too late.

You can choose to go paperless or receive paper statements in the mail.

Next up: Create a Budget

Return to "10 Steps to Financial Wellness" Hub

The Latest in Offers and Features from SELCO

Digital Banking Upgrades: Making Your Day-To-Day Even Easier

SELCO has rolled out a number of enhancements that we hope will make our members' day-to-day banking even easier.

Reviewing and Tweaking

In the final step of your financial wellness journey, review and tweak by taking each step intentionally, adjusting your plan when needed, and staying true to your vision.

Start Investing for Retirement

In step 9 of your financial wellness journey, follow a few steps to establish and maintain a retirement plan that fits your needs.