Forming Money Habits

Good habits don’t appear out of nowhere 

That might go double when it comes to healthy financial habits. Check out our tips and tricks for becoming (and staying) financially savvy. 

Budget Calculator 

The key to reaching your financial goals is knowing exactly how much money you have coming in and exactly where it’s going! Check out this budget calculator and get your budget on track.  

Money Manager  

With this tool, SELCO gives you a free (yes, free!) way to track your budget, set your goals, and pull all of your account numbers into one place so you can reach your financial milestones.  

Get Started on Your Financial Journey

Two Jars Filled With Change

4 Ways To Watch Your Savings Grow

Conventional savings accounts offer the easiest access to funds but the lowest interest rates. Don't overlook certificate, money market, and health savings accounts as alternatives.

Paper with

Wants vs. Needs: Finding the Perfect Balance

Whether you’re creating a new budget from scratch or reviewing previous months’ expenses, it’s helpful to consider if those expenses fall into the category of a want or a need.

Person counting money.

Signs You Might Be Living Beyond Your Means

It's easy to accrue debt these days. Steer away from the "living paycheck to paycheck" path by checking yourself for these red flags.

People making financial mistakes.

The Financial Mistakes of Our 20s and 30s

Start saving for retirement when you get your first job and you’ll develop a healthy savings habit that will serve you well down the road.

Credit 101

Walk through the basics and learn how your credit score is calculated, how it affects your finances, and what you can do to manage yours. 

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A student loan forbearance was instituted, and extended multiple times, during the COVID-19 pandemic. Do you pause your federal student loan payments or temporarily make interest-free payments?

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The Ins and Outs of Credit

Credit is an integral part of your financial power, and fully understanding how it works will help you build a solid history that will open doors and advance your goals.

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Mastering Credit
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