AJ stands for Andrew Jackson, our 7th president. His reputation for toughness earned him the nickname "Old Hickory." A hero of the War of 1812, Jackson has appeared on the $20 bill since 1928.

Use this calculator to  create your saving and spending plan.

A spending plan puts you in control, like a quarterback with a game plan.

A spending plan helps you decide in advance how to best spend the money you have now—and in the future.

Start today

All you need to create your spending plan is pencil and paper. At the top the paper write "My Spending Goals." Draw three columns underneath.

Label Column 1 Short-term:

List those things you want that you think you'll have enough money to buy in the next one to three months. (For example, concert tickets, bowling party, etc.) Write down the cost of each item.

Label Column 2 Medium-term:

List those things you want that you think you'll have enough money to buy in the next three months to one year. (For example, MP3 player, bike, etc.) Write down the cost of each item.

Label Column 3 Long-term:

Try the Budgeting Hero's Calculator.

List those things you want that you think you'll have enough money to buy next year or later.

Some examples are: prom, class trip, etc.

Write down the cost of each item.

Now that you have your spending goals, it's time to list all the ways you get money...

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VyStar Credit Union What makes credit unions so great? Members like you. Every dollar you invest in your credit union earns you money while other members borrow it. When you're ready for a loan, other members' savings will be there to help you out at the lowest possible cost.