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      • En Español
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  • Home
  • Membership
    • Join Now
    • About Us
    • Membership Perks
    • Apply for an Auto Loan
    • Apply for a Credit Card
    • Apply for a Personal Loan
    • Open an Account
    • Why RBFCU
    • Community Impact
    • Easy Paths to Membership
    • What is a Credit Union?
    • The History of RBFCU
  • Banking
    • Routing Number: 314089681
    • Savings Options
      • Money Market Accounts
      • Share Certificate Accounts
    • IRAs
    • Really Free Checking
      • Overdraft Protection
      • Identity Theft Coverage
      • Round Up Program
    • Direct Deposit
    • Online Banking
      • RBFCU Mobile App
      • Mobile Payment Services
      • Move Money
      • Bill Pay
      • Manage Cards
    • Youth Accounts
      • Youth Savings
      • Youth Checking
    • Photo ID Policy
      • ID required for all transactions at any RBFCU branch
    • Security & Fraud Center
  • Credit Cards
    • World Cash Back Mastercard
    • Premier Rate Mastercard
    • Business Select Mastercard
    • Current Cardholder Promotions
    • Mobile Payment Services
    • Manage Cards
  • Loans
    • Auto Loans
      • Vehicle Refinancing
      • VehicleVantage
    • Other Vehicle Loans
      • Boat Loans
      • RV Loans
      • Motorcycle Loans
      • ATV, UTV, Jet Ski Loans
    • Find Your Next Car
      • Search New & Used Vehicles
      • Preferred Dealers
    • Loan Protection
      • GAP Plus
      • Mechanical Repair Coverage (MRC)
      • Credit Insurance
    • Credit Cards
    • Personal Loans
    • Student Loans
    • Loan Services
      • Skip-A-Pay
      • Pick-A-Pay
  • Home Loans & Realty
    • Mortgage Overview
    • Purchase
    • Refinance
    • Loan Options
      • Fixed-Rate
      • Adjustable-Rate
      • FHA & VA
      • Jumbo
      • New Construction
      • Land
      • 100% Financing
      • 100% Financing for Medical Professionals
    • First-Time Homebuyers
    • Home Equity/HELOC
    • Home Improvement
    • Homebuying & Selling Services
      • Realty Services
      • Title Insurance
      • Home Appraisal
      • Mortgage Retail Team
  • Retirement
    • Schedule an Appointment
    • 403(b)
    • Roth 403(b)
    • 457(b)
    • Roth 457(b)
    • RBFCU Freedom Retirement Plan
      • Enroll Online
      • Manage Your Account
  • Investments
    • Schedule an Appointment
      • Financial Advisors
      • Virtual Advisory Center
    • Investment Strategies
    • Financial Health Check
    • Wealth Management
    • Trust Services
  • Insurance
    • Request a Quote
    • Homeowners Insurance
    • Auto Insurance
    • Personal Insurance
    • Business & Commercial Insurance
    • Health Care Insurance
      • Health Care Plans & Insurance
      • Medicare Supplement Insurance Plans
  • Business
    • Business Loans
      • SBA Loans
      • Business Credit Card
    • Business Accounts
    • Business Checking
    • Business Services
    • Select Group Membership
  • Learn
    • Learn About Finances With RBFCU
      • Budgeting & Saving
      • Credit Scores & Credit Reports
      • Buying a Car & Vehicle Loans
      • Student Loans & Paying for College
      • Mortgage Loans & Homeownership
      • Investments & Financial Planning
    • Security & Fraud Center
    • Financial Education
      • Request a Financial Presentation
    • GreenPath Financial Wellness
      • Virtual Financial Coach
      • Financial Counseling & Education
      • Debt Management
    • Calculators
    • It's a Money Thing
      • Video Series
      • Junior Series - Ages 4-10
      • En Español
    • Seminars & Webinars
    • Youth Ambassador Program
    • FAQs
  • Schedule an Appointment
  • Contact Us
  • ATMs & Locations
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Budgeting & Personal Finance

Budgeting, Saving & Personal Finance Resource Articles

Time Well Spent

Building Financial Capability

Building and maintaining financial capability is a distinct journey for each of us. Here are five resources to help you on your way.

Review the resources →

Avoid Lifestyle Creep

How to Stop It in Its Tracks

Have you ever fantasized about how to spend a work bonus, only to have the money instantly disappear into your monthly spending? If this sounds familiar, you might be prone to lifestyle creep.

Read more →

How to Save on Groceries

Breaking Up With Name Brands

This strategy could save you an average of 33% on your entire purchase. The best part? You still get every single item on your list.

Read more →
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Build a Budget

Use this worksheet to calculate your monthly expenses and income and start a basic budget.
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Use Our Calculators

Use RBFCU’s helpful financial calculators to develop a budget, save and pay off debt, and more.
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Set a S.M.A.R.T. Goal

Use this worksheet to set a Specific, Measurable, Attainable, Relevant and Timely financial goal.
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Virtual Financial Coaching

Learn to build healthy financial habits! Coach Lea offers personalized financial advice 24/7.
  • Learn About Finances
  • Calculators
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Information in these articles is general in nature and for your consideration, not as financial advice. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information.

With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for more than 1 million members in Texas and around the world. RBFCU offers all the banking services you expect from a leading credit union, and we've made it our mission to help improve our members' economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

Any alternate website that you visit by a link from RBFCU's website is solely the responsibility of that entity. Third-party links accessed from this site are provided for the convenience of RBFCU members. RBFCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies on the third-party site may differ from those practiced by RBFCU.

We use cookies to analyze and improve website use, and assist in overall user experience.

For your protection, please do not provide any personal information via email. If you are a member, please sign in to your Online Banking account to chat with a Member Service Representative.

If you are using a screen reader and are having problems using this website, please call 1-800-580-3300 for assistance.

Contact us today or stop by a local branch to find out how you can become a member.

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Federally insured by NCUA. Membership eligibility required.

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