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Spending Guidelines
What to spend and where to spend it?
With our busy lives, it’s hard to keep track of where our money goes.
Starting a budget is the best way to keep a handle on your finances. Track
your spending for a month, and find out where the money really goes. Then,
use that information to set up your budget.
Here is a set of guidelines to help you get started. These percentages use
after-tax income.
Expense Guidelines
-
25%-30% for
housing, including utilities
-
10%-15% for
food
-
10%-15% on
transportation
-
10%-15% on
investments and savings
-
5% for
insurance
-
5% on medical
expenses
-
5% on clothing
-
5% on
entertainment
-
?% for charity
and gifts (you determine this amount)
Each
individual has different needs, so you may have to adjust the percentages
slightly to fit your lifestyle and income. By keeping to your new budget,
you’ll be able to get out of debt and save for your future.
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Spring into Gear
with Low Auto Rates!
In the market for a new car? Stop by First Nebraska Educators Credit Union
before you shop and get pre-approved for an auto loan. We make car buying
easy with these great features.
- Rates as low as 4.75% APR*
- Terms up to 72 months
- 100% financing
- 24 hour approvals
- GAP coverage
- Extended warranties
Compare and save
Compare your current auto loan rate with ours. We may be able to save you
hundreds of dollars over the life of your loan.
Applying is a breeze
Get on the road to savings today. Apply online at www.1stne-cu.org. You
can also call or stop by any of our branches.
*APR=Annual Percentage Rate. Rates and terms subject to change. Payment
example: For every $1,000 borrowed at 4.75% APR for 36 months, the average
monthly payment will be $29.86. Offer excludes all loans already financed
at the credit union. return to top
Plan
Now for Holiday Expenses
Don’t come up short on cash for the holiday season. Open a
Christmas Club account now and start saving. By the time the holidays
arrive, you’ll have the funds you need to cover your holiday expenses.
There are many benefits to opening a Christmas Club account.
- No minimum balance
- Save using direct deposit or payroll
deduction
- Earn interest
- Automatically renews each year
- Funds transferred to your share savings
account on November 15th
Start saving now and enjoy peace of mind
this holiday season.
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