Basic Steps for Building a Budget Winston Salem NC

A great way to start living a frugal life in Winston Salem is to plan for it. And when it comes to finances, the most important plan is a budget. Setting up a budget is possible no matter what you income, how you get paid, or what your current financial situation. Developing a budget is the first (and most crucial step) to becoming frugal. Here are some great tips on how to do it.

Wells Fargo - West End Branch
(866) 245-3452
916 West Fourth Street
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Winston-Salem East
(866) 245-3452
701 Calremont Avenue
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Wachovia Center
(866) 245-3452
100 North Main Street
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - New Walkertown Branch
(800) 226-5228
2601 New Walkertown Road
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Wake Forest Branch
(866) 245-3452
1834 Wake Forest Road
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - Branch Banking And Trust Company
(800) 226-5228
200 W 2nd St
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - Marshall Street Drive Thru Branch
(800) 226-5228
150 N Marshall Street
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - Fifth Street Branch
(800) 432-1000
1300 East Fifth Street
Winston Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Bowman Gray School Of Med. Branch
(866) 245-3452
300 South Hawthorne Road
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Peters Creek Parkway Branch
(866) 245-3452
3171 Peters Creek Parkway
Winston-Salem, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Basic Steps for Building a Budget

A great way to start living a frugal life is to plan for it. And when it comes to finances, the most important plan is a budget. Setting up a budget is possible no matter what you income, how you get paid, or what your current financial situation. Developing a budget is the first (and most crucial step) to becoming frugal. Here are some great tips on how to do it:

1. Write down your spending. You can’t plan out how you will spend your money until you know how you are spending it at present. Carry around a small notebook for a month and write down every purchase you make. This will help you see how your money is disappearing.

2. Make a list of all your expenses and include the spending you have in your notebook along with any monthly bills that you might not have written down. Total up the categories that you have and the total spending as well.

3. Write out all of your income and how it arrives (monthly, weekly, bi-weekly). Total up your income.

4. Write out your budget (based on the last month that you recorded). Compare that budget with your income. If you have more going out than coming in, then it’s time to make some changes. You can either cut your expenses or you can make more money.

5. Study your budget and even take a few days to really think about the items you have listed there. Make better choices. If you only watch your television once a week then cancel your cable. Save that money for something else. If you have so many clothes that you canít open your closet then determine to pass on the shopping for a while. Decide to choose a future instead of a fleeting present.

6. After you have cut all that you can cut, review your budget balances. If there is still a deficit, itís time to consider a second job (or a job change). The only way to balance a budget (and start saving money) is to bring in more than you spend.

7. Review your budget regularly. Your situation will continue to change and so should your budget. As you learn to live a frugal life, you may well find that items on your budget are no longer important to you and can be removed.

If you want to live a frugal life then it is important to understand your spending and learn to get it under control. Setting up a budget is a first step towards that prosperous way of life.

This entry was posted on Wednesday, November 26th, 2008 at 9:15 pm and is filed under Budgeting . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response , or trackback from your own site.

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