Save Smart Club

Need a little help getting started? Join the club! Download valuable resources to support your smart savings goals, including budgeting forms and tools to track your progress. Plus, take responsibility for your financial future with Virginia Credit Union's personal Save Smart Pledge. Are you up for the challenge?

TAKE THE PLEDGE   TRACKING TOOLS  

TRACKING TOOLS

Download our Save Smart tools and let us help you make financial progress to achieve your savings goals today - and tomorrow.

Transfer Authorization Form (Download PDF)

This form enables you to set up automatic transfers among your Virginia Credit Union accounts. Set a goal for monthly savings, and then have that amount transferred directly from your checking account to your savings account, for example. You can transfer to multiple accounts, so you can set and achieve different goals — transfer funds to one savings account for your emergency fund, and another for your child's college savings.

My Savings Tracking Sheet (Download Excel or Download PDF)

Use our customized Save Smart Savings Tracking Sheet to chart your progress. Our tool allows you to enter what you're saving for, how much you need to save, and when you need to have it. Then, as you make contributions, you can record your deposits and watch your savings grow!

Monthly Budget Manager (Download Excel or Download PDF)

Build a household budget using our customizable guide. We've included categories like utilities, food, day care, and pets to help you easily set up and track your monthly spending. We even provide guidelines for how much of your income you should be spending on major areas like housing, debt, and savings so you can see how your budget compares. Then track your progress on a monthly basis, and you'll be empowered with the knowledge you need to make ongoing adjustments to better achieve your financial goals.

Fritter Finder (Download PDF)

Keep track of your spending. If you know where your money is going, it will be easier to make changes if you need to. Try using BALANCE's Fritter Finder form for a week or two to find out where your money is going.

Money Management Planner (Download PDF)

Whether you're interested in developing a savings plan, getting out of debt, or planning for your financial future, Virginia Credit Union is here to help - with access to free, confidential financial counseling and education through BALANCE.