CINXE.COM

<!DOCTYPE html> <html lang="en-US" xml:lang="en-US" parentLang="en"> <head> <title>Tips for Saving Money & Budgeting Finances</title> <meta name="viewport" content="width=device-width, initial-scale=1"/> <meta http-equiv="content-type" content="text/html; charset=UTF-8"/> <meta name="ada-friendly-name"/> <meta name="keywords" content="budgeting tips,money saving tips,budgeting"/> <meta name="description" content="Looking for tips to save more money and spend less? Find tips on saving and budgeting from Better Money Habits and get your spending under control."/> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"/> <meta name="format-detection" content="telephone=no"/> <meta name="color-scheme" content="only light"/> <link rel="icon" type="image/vnd.microsoft.icon" href="/etc.clientlibs/bmh/clientlibs/resources/images/favicon.ico"/> <link rel="shortcut icon" type="image/vnd.microsoft.icon" href="/etc.clientlibs/bmh/clientlibs/resources/images/favicon.ico"/> <link rel="canonical" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting"/> <link rel="alternate" href="https://bettermoneyhabits.bankofamerica.com/es/saving-budgeting" hreflang="es-US"/> <meta name="google-site-verification" content="yy7F-INmdsEZNb_qdTdkbyIyb1ZbqLfHNYx0JvqAyEA"/> <meta property="og:title" content="Tips for Saving Money & Budgeting Finances"/> <meta property="og:description" content="Looking for tips to save more money and spend less? Find tips on saving and budgeting from Better Money Habits and get your spending under control."/> <meta property="og:site_name" content="Better Money Habits"/> <meta property="og:url" content="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting"/> <meta property="og:image" content="https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/icon-finance-savings-white.bmhthumb.jpg"/> <meta property="og:image:alt" content="Tips for Saving Money & Budgeting Finances"/> <meta property="og:type" content="website"/> <meta property="og:locale" content="en_US"/> <meta name="twitter:site" content="@BankofAmerica"/> <meta name="twitter:url" content="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting"/> <meta name="twitter:title" content="Tips for Saving Money & Budgeting Finances"/> <meta name="twitter:description" content="Looking for tips to save more money and spend less? Find tips on saving and budgeting from Better Money Habits and get your spending under control."/> <meta name="twitter:creator" content="@BankofAmerica"/> <meta name="twitter:creator:id" content="@BankofAmerica"/> <meta name="twitter:image" content="https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/icon-finance-savings-white.bmhthumb.jpg"/> <meta name="twitter:image:alt" content="Tips for Saving Money & Budgeting Finances"/> <meta name="twitter:card" content="summary"/> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"Article","name":"Tips for Saving Money \u0026 Budgeting Finances","url":"https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting","description":"Looking for tips to save more money and spend less? Find tips on saving and budgeting from Better Money Habits and get your spending under control.","keywords":"budgeting tips,money saving tips,budgeting","mainEntityOfPage":"https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting","headline":"Saving \u0026 Budgeting","sourceOrganization":"Bank of America","author":"Better Money Habits","image":"https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/icon-finance-savings-white.bmhthumb.jpg","datePublished":"2024-11-26","dateModified":"2024-10-17","publisher":{"@type":"Organization","name":"Bank of America","logo":{"@type":"ImageObject","url":"https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/logos/Flagscape_71x71.svg"}}} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"WebPage","name":"Tips for Saving Money \u0026 Budgeting Finances","url":"https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting","description":"Looking for tips to save more money and spend less? Find tips on saving and budgeting from Better Money Habits and get your spending under control.","image":"https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/icon-finance-savings-white.bmhthumb.jpg","keywords":"budgeting tips,money saving tips,budgeting"} </script> <script type="text/javascript" src="/bin/bmh/script.js/en/saving-budgeting"></script> <link rel="stylesheet" href="/etc.clientlibs/bmh/clientlibs/styles/all.min.css" type="text/css"> <script type="application/json" id="tracking-config"> { "pageName": "saving\u002Dbudgeting", "pagePath": "\/content\/bmh\/en\/saving\u002Dbudgeting", "pageType": "topic", "pageCategory": "savingbudgeting", "contentType": "", "enableAlloy": true, "enableKnotch": false, "enableGlance": true, "ga4Value": "d|G\u002DVTHB1ZEM22,s|G\u002DKKS8N5WJ70,p|G\u002DZF8XYYLXHN", "dartTag": "", "pageIdOverride": "", "campaignName": "", "alloyScriptDelay": 3000 } </script> <script src="/etc.clientlibs/bmh/clientlibs/scripts/tracking-settings.min.js"></script> <script>'use strict';!function(c,b,d,e){if(!b&&(b=c.head)){var a=c.createElement("style");a.id="alloy-prehiding";a.innerText=d;b.appendChild(a);setTimeout(function(){a.parentNode&&a.parentNode.removeChild(a)},e)}}(document,-1!==document.location.href.indexOf("adobe_authoring_enabled"),"body { opacity: 0 !important }",3E3);</script> <script src="/etc.clientlibs/bmh/clientlibs/vendor/tealium.min.js"></script>  </head> <body id="page--saving-budgeting" class="page--saving-budgeting template--topicpage" data-category="savingbudgeting"> <a class="skip-to-content" href="#mainContent"> Skip to main content </a> <input type="hidden" name="pagePath" id="pagePath" value="/content/bmh/en/saving-budgeting"/> <div> <div class="aem-wrap--header-container"> <section class="header-container js-header-container" data-action="headerContainer"> <div class="header-container__overlay overlay" aria-hidden="true"></div> <nav class="header-boa js-header-boa" data-cmp-name="header-boa" data-action="headerBoa" aria-label="Main"> <div class="row row--max"> <div class="header-boa__logo-wrap"> <a href="https://www.bankofamerica.com" class="logo-boa t-track-logo" data-bactmln="header_boa-_-icon-_-boa_logo" aria-label="Bank of America"> <img class="header-boa__logo" src="/content/dam/bmh/logos/BofA-logo.svg" alt="Bank of America"/> </a> </div> <ul class="header-boa__link-wrapper"> <li> <a href="https://www.bankofamerica.com/sitemap/hub/signin.go" class="t-track-body-copy-link"> <span class="header-boa__link">Online banking sign in</span> </a> </li> <li> <a href="https://locators.bankofamerica.com/" class="t-track-body-copy-link"> <span class="header-boa__link">Locations</span> </a> </li> <li> <a href="https://www.bankofamerica.com/contactus/contactus.go" class="t-track-body-copy-link"> <span class="header-boa__link">Contact</span> </a> </li> <li> <a href="https://www.bankofamerica.com/help/overview.go" class="t-track-body-copy-link"> <span class="header-boa__link">Help</span> </a> </li> </ul> </div> </nav> <div class="main-nav js-main-nav" data-action="mainNav"> <div class="main-nav__content"> <a href="https://bettermoneyhabits.bankofamerica.com/en" class="main-nav__logo t-track-logo" data-bactmln="main_nav-_-icon-_-bmh_logo" aria-label="Better Money Habits registered sign"> <div class="image image--bg-pos-center " style="max-width: 200px" data-action="image"> <picture class="image__picture js-image-picture"> <img alt="Better Money Habits" class="image__img" role="img" src="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone.svg"/> </picture> <img src="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone.svg" alt="Better Money Habits" class="image__img--print" aria-hidden="true"/> </div> </a> <nav class="main-nav__links main-nav__links--desktop js-main-nav-links" aria-label="Menu"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="Main-_-Navigation-_-My-Priorities" href="https://bettermoneyhabits.bankofamerica.com/en/my-priorities" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">My priorities</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="Main-_-Navigation-_-English" href="#" class="js-cta-link cta-group__cta t-track-cta js-tracking-override " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--geography-market-region-global icon--black icon--size2 icon--align-center" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper cta--language-selection"> <span class="cta__text">English</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="Main-_-Navigation-_-Espanol" href="https://bettermoneyhabits.bankofamerica.com/es/saving-budgeting" class="js-cta-link cta-group__cta t-track-cta js-tracking-override " target="_self"> <span class="cta-group__cta-content-wrapper cta--language-selection"> <span class="cta__text">Español</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-_#" href="#" class="js-cta-link cta-group__cta t-track-cta cta--search-link js-search-link " target="_self" role="button" aria-expanded="false"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-search icon--black icon--size2 icon--align-center" aria-hidden="true"> </span> </span> </a> <div class="search js-search " data-search-page="/content/bmh/en/search" data-action="search"> <div class="search__container js-search-box"> <form class="search__form js-search-form" action="https://bettermoneyhabits.bankofamerica.com/en/search" method="get"> <span id="2037778403" tabindex="-1" class="hidden-section">Enter your search words here</span> <input class="search__input js-search-input" type="text" name="q" placeholder="What can we help you with?" aria-labelledby="2037778403" autocomplete="off" required/> <input type="hidden" name="p" value="1"/> <a href="#" class="search__close search__close--hidden icon icon--action-close js-search-close t-track-global-search" data-bactmln="Search_Actions-_-X-_-Clear_Search" aria-hidden="true" role="button" tabindex="-1"></a> <button class="search__link js-search-link"><span class="icon icon--action-search"></span></button> </form> </div> </div> </div> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-_#" href="#" class="js-cta-link cta-group__cta t-track-cta cta--menu-link cta-group__menu-link js-menu-link " target="_self" role="button" aria-label="Open navigation menu" aria-expanded="false"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-menu icon--black icon--size3 icon--align-center" aria-hidden="true"> </span> </span> </a> </div> </div> </nav> </div> </div> <section class="navigation-container js-navigation-container" data-action="navigationContainer" aria-hidden="true"> <div class="navigation-container__content js-navigation-content-container"> <div class="navigation-container__items js-navigation-items"> <div class="navigation-items" data-action="navigationItems"> <nav class="navigation-items__main-links-mobile" aria-label="Menu items"> <ul class="cta-group "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-my-priorities_/content/bmh/en/my-priorities" href="https://bettermoneyhabits.bankofamerica.com/en/my-priorities" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">My priorities</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-english_#" href="#" class="js-cta-link cta-group__cta t-track-cta " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--geography-market-region-global icon--primary-blue icon--size1 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper cta--language-selection"> <span class="cta__text">English</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-espa-ol_/content/bmh/es/saving-budgeting" href="https://bettermoneyhabits.bankofamerica.com/es/saving-budgeting" class="js-cta-link cta-group__cta t-track-cta " target="_self"> <span class="cta-group__cta-content-wrapper cta--language-selection"> <span class="cta__text">Español</span> </span> </a> </li> </ul> </nav> <nav class="navigation-items__list" id="menuItems" aria-label="Menu items"> <ul> <li class="navigation-items__item js-navigation-main-item"> <a href="#" class="navigation-items__link js-navigation-link t-track-expandible-menu" aria-expanded="false"> <h2 class="navigation-items__title"> Browse all topics </h2> <p class="navigation-items__descr"> Explore a wide range of information to build your financial know-how –now and for the future. </p> </a> <ul class="navigation-items__menu js-menu-item navigation-items__menu--two-rows" aria-hidden="true"> <li class="navigation-items__menu-list"> <div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Browse all topics </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="everyday-money-matters" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Everyday money matters </h3> </div> </div> <div class="navigation-items__menu--row-column"> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-credit_/content/bmh/en/credit" href="https://bettermoneyhabits.bankofamerica.com/en/credit" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--credit icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Credit</span> </span> </a> <div class="cta__note"><p>How to manage credit and build a strong credit history</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-saving---budgeting_/content/bmh/en/saving-budgeting" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--saving-budgeting icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Saving & Budgeting</span> </span> </a> <div class="cta__note"><p>Steps for creating a budget, sticking to it and building savings</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-personal-banking_/content/bmh/en/personal-banking" href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--finance-bank icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Personal Banking</span> </span> </a> <div class="cta__note"><p>Information on how banks work, managing your accounts and teaching your kids about money</p> </div> </li> </ul> </div> </div> <div class="navigation-items__menu--row-column"> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-debt_/content/bmh/en/debt" href="https://bettermoneyhabits.bankofamerica.com/en/debt" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--debt icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Debt</span> </span> </a> <div class="cta__note"><p>Strategies for managing debt and paying off credit cards</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-privacy---security_/content/bmh/en/privacy-security" href="https://bettermoneyhabits.bankofamerica.com/en/privacy-security" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--privacy-security icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Privacy & Security</span> </span> </a> <div class="cta__note"><p>Ways to keep your financial information safe and prevent identity theft</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-taxes---income_/content/bmh/en/taxes-income" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--taxes-income icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Taxes & Income</span> </span> </a> <div class="cta__note"><p>Guidance on tax planning and making the most of your pay and benefits</p> </div> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="financial-milestones" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Financial milestones </h3> </div> </div> <div class="navigation-items__menu--row-column"> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-auto_/content/bmh/en/auto" href="https://bettermoneyhabits.bankofamerica.com/en/auto" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--auto icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Auto</span> </span> </a> <div class="cta__note"><p>Pointers for every step of the car-buying process</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-investing_/content/bmh/en/retirement" href="https://bettermoneyhabits.bankofamerica.com/en/retirement" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--finance-investing icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Investing</span> </span> </a> <div class="cta__note"><p>How to invest, build wealth and save for retirement</p> </div> </li> </ul> </div> </div> <div class="navigation-items__menu--row-column"> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-homeownership_/content/bmh/en/home-ownership" href="https://bettermoneyhabits.bankofamerica.com/en/home-ownership" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--home-ownership icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Homeownership</span> </span> </a> <div class="cta__note"><p>Everything you should know about renting, buying and owning a home</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-college_/content/bmh/en/college" href="https://bettermoneyhabits.bankofamerica.com/en/college" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--college icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">College</span> </span> </a> <div class="cta__note"><p>Ways to make paying for college more manageable</p> </div> </li> </ul> </div> </div> </div> </div> </li> </ul> </li> <li class="navigation-items__item js-navigation-main-item"> <a href="#" class="navigation-items__link js-navigation-link t-track-expandible-menu" aria-expanded="false"> <h2 class="navigation-items__title"> Navigate your financial life </h2> <p class="navigation-items__descr"> Get insights from Financial Guides, collections of resources to help with making decisions at any life stage. </p> </a> <ul class="navigation-items__menu js-menu-item navigation-items__menu--three-columns" aria-hidden="true"> <li class="navigation-items__menu-list"> <div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Navigate your financial life </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="saving--planning" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Saving & planning </h3> </div> </div> <div class="aem-wrap--article-list section"> <div class="article-list__wrapper js-article-list__wrapper article-list__wrapper--default "> <ul class="article-list js-article-list" data-action="articleList"> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/how-to-manage-your-savings" data-path="/content/bmh/en/how-to-manage-your-savings" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_simple_ways_to_add_to_your_savings"> <div class="article-list__item__content"> <div class="article-list__item__title">Simple ways to add to your savings</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 4 minutes</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 10 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/dealing-with-a-financial-emergency" data-path="/content/bmh/en/dealing-with-a-financial-emergency" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_dealing_with_a_financial_emergency"> <div class="article-list__item__content"> <div class="article-list__item__title">Dealing with a financial emergency</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 9 resources </div> </div> </a> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="life-stages" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Life stages </h3> </div> </div> <div class="aem-wrap--article-list section"> <div class="article-list__wrapper js-article-list__wrapper article-list__wrapper--default "> <ul class="article-list js-article-list" data-action="articleList"> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/gen-z-financial-habits" data-path="/content/bmh/en/gen-z-financial-habits" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_gen_z__know_your_money"> <div class="article-list__item__content"> <div class="article-list__item__title">Gen Z: Know your money</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 2 minutes</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 29 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/family-financial-matters" data-path="/content/bmh/en/family-financial-matters" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_financial_matters_for_families"> <div class="article-list__item__content"> <div class="article-list__item__title">Financial matters for families</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 3 minutes</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 11 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/moving-to-the-us-banking-guide" data-path="/content/bmh/en/moving-to-the-us-banking-guide" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_moving_to_the_u_s_"> <div class="article-list__item__content"> <div class="article-list__item__title">Moving to the U.S.</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 29 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/transitioning-from-military-to-civilian-life" data-path="/content/bmh/en/transitioning-from-military-to-civilian-life" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_financial_matters_for_military_members"> <div class="article-list__item__content"> <div class="article-list__item__title">Financial matters for military members</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 8 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/financial-literacy-for-students" data-path="/content/bmh/en/financial-literacy-for-students" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_financial_guidance_for_students"> <div class="article-list__item__content"> <div class="article-list__item__title">Financial guidance for students</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 14 resources </div> </div> </a> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="financial-goals" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Financial goals </h3> </div> </div> <div class="aem-wrap--article-list section"> <div class="article-list__wrapper js-article-list__wrapper article-list__wrapper--default "> <ul class="article-list js-article-list" data-action="articleList"> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/what-to-consider-when-buying-your-first-home" data-path="/content/bmh/en/what-to-consider-when-buying-your-first-home" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_what_to_consider_when_buying_your_first_home"> <div class="article-list__item__content"> <div class="article-list__item__title">What to consider when buying your first home</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 10 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/how-to-stop-living-paycheck-to-paycheck" data-path="/content/bmh/en/how-to-stop-living-paycheck-to-paycheck" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_manage_your_money_when_living_paycheck_to_paycheck"> <div class="article-list__item__content"> <div class="article-list__item__title">Manage your money when living paycheck to paycheck</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 5 minutes</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 11 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/financial-tips-for-starting-your-career" data-path="/content/bmh/en/financial-tips-for-starting-your-career" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_work_and_your_financial_life"> <div class="article-list__item__content"> <div class="article-list__item__title">Work and your financial life</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 7 resources </div> </div> </a> </li> <li class="article-list__item" data-content-type="financial-guide"> <a href="https://bettermoneyhabits.bankofamerica.com/en/sustainable-finance-practices" data-path="/content/bmh/en/sustainable-finance-practices" hreflang="en-US" class="article-list__item__link js-anchor-wrapper t-track-content-tile" data-show-read-time data-bactmln="ItemTile_money_moves_that_can_make_a_difference"> <div class="article-list__item__content"> <div class="article-list__item__title">Money moves that can make a difference</div> <p class="article-list__item__cta hidden-section"> <i class="icon icon--financial-guide"></i><span class="cta-text"></span><span>, 1 minute</span> </p> <div class="article-list__item__count"> <i class="icon icon--guidelines"></i> 10 resources </div> </div> </a> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--no-column"> <div class="aem-wrap--cta-group section"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-view-all-financial-guides_/content/bmh/en/financial-guides" href="https://bettermoneyhabits.bankofamerica.com/en/financial-guides" class="js-cta-link cta-group__cta t-track-cta cta--spotlights " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">View all Financial Guides</span> </span> </a> </div> </div> </div> </div> </div> </li> </ul> </li> <li class="navigation-items__item js-navigation-main-item"> <a href="#" class="navigation-items__link js-navigation-link t-track-expandible-menu" aria-expanded="false"> <h2 class="navigation-items__title"> Check out these tools </h2> <p class="navigation-items__descr"> Identify priorities, set goals and track progress with easy-to-use, interactive tools. </p> </a> <ul class="navigation-items__menu js-menu-item navigation-items__menu--two-columns-image" aria-hidden="true"> <li class="navigation-items__menu-list"> <div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Check out these tools </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="from-better-money-habits" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> From Better Money Habits </h3> </div> </div> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-my-priorities_/content/bmh/en/my-priorities" href="https://bettermoneyhabits.bankofamerica.com/en/my-priorities" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">My Priorities</span> </span> </a> <div class="cta__note"><p>Tell us what matters most to you, and we’ll provide personalized content for every stage of life.</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-spending-analysis-tool_/content/bmh/en/saving-budgeting/spending-tool" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/spending-tool" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Spending Analysis Tool</span> </span> </a> <div class="cta__note"><p>Learn what people like you are spending on their monthly expenses.</p> </div> </li> </ul> </div> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="from-bank-of-america" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> From Bank of America </h3> </div> </div> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-life-plan_https://promotions.bankofamerica.com/digitalbanking/mobilebanking/lifeplan" href="https://promotions.bankofamerica.com/digitalbanking/mobilebanking/lifeplan" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Life Plan</span> </span> </a> <div class="cta__note"><p>Set short-and long-term goals, get personalized advice and make adjustments as your life changes.</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-spending---budgeting-tool_https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/spending-budgeting/" href="https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/spending-budgeting/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Spending & Budgeting Tool</span> </span> </a> <div class="cta__note"><p>Get help tracking your spending, spotting trends and sticking to a budget.</p> </div> </li> </ul> </div> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="for-partners-and-volunteers" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> For partners and volunteers </h3> </div> </div> <div class="aem-wrap--cta-group section"> <ul class="cta-group "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-educational-resource-center_https://bettermoneyhabits.bankofamerica.com/community/en" href="https://bettermoneyhabits.bankofamerica.com/community/en" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Educational Resource Center</span> </span> </a> <div class="cta__note"><p>Find lesson plans to help clients and members of your communities better understand their finances.</p> </div> </li> </ul> </div> </div> <div class="navigation-items__menu--column-image"> <div class="image image--bg-pos-center " style="max-width: inherit" data-action="image"> <picture class="image__picture js-image-picture"> <img alt class="image__img" role="img" src="/content/dam/bmh/homepage-new/tools.svg"/> </picture> <img src="/content/dam/bmh/homepage-new/tools.svg" alt class="image__img--print" aria-hidden="true"/> </div> </div> </div> </li> </ul> </li> <li class="navigation-items__item js-navigation-main-item"> <a href="#" class="navigation-items__link js-navigation-link t-track-expandible-menu" aria-expanded="false"> <h2 class="navigation-items__title"> Bank of America services </h2> <p class="navigation-items__descr"> Explore products and services, including opening a checking account, finding a home loan, applying for a credit card and more. </p> </a> <ul class="navigation-items__menu js-menu-item navigation-items__menu--two-columns-image" aria-hidden="true"> <li class="navigation-items__menu-list"> <div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Bank of America services </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="learn-about-bank-of-america-solutions" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline--md heading--text-black heading--align-left no-top "> Learn about Bank of America solutions </h3> </div> </div> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-checking-accounts_https://www.bankofamerica.com/deposits/checking/advantage-banking/" href="https://www.bankofamerica.com/deposits/checking/advantage-banking/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Checking accounts</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-savings-accounts_https://www.bankofamerica.com/deposits/savings/savings-accounts/" href="https://www.bankofamerica.com/deposits/savings/savings-accounts/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Savings accounts</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-credit-cards_https://www.bankofamerica.com/credit-cards/" href="https://www.bankofamerica.com/credit-cards/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Credit cards</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-home-loans_https://www.bankofamerica.com/mortgage/?subCampCode=50300&dmcode=18098479094&cm_mmc" href="https://www.bankofamerica.com/mortgage/?subCampCode=50300&dmcode=18098479094&cm_mmc" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Home loans</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-auto-loans_https://www.bankofamerica.com/auto-loans/?cm_sp=eLend-Auto-ABPA-_-OAApage-_-EW16LT000K_OAApage_OpenAnAccount&mktgCode=Autooaahomepage06" href="https://www.bankofamerica.com/auto-loans/?cm_sp=eLend-Auto-ABPA-_-OAApage-_-EW16LT000K_OAApage_OpenAnAccount&mktgCode=Autooaahomepage06" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Auto loans</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-investing-from-merrill_https://www.merrilledge.com/offers/multiproduct?src_cd=newaccount&cm_sp=GWM-SelfDirectedBrokerage-_-BankNewAccount-_-G216LT00EP_ME_MPP_mempp.gif" href="https://www.merrilledge.com/offers/multiproduct?src_cd=newaccount&cm_sp=GWM-SelfDirectedBrokerage-_-BankNewAccount-_-G216LT00EP_ME_MPP_mempp.gif" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Investing from Merrill</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-mobile-and-online-banking_https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/overview/" href="https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/overview/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Mobile and Online Banking</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-fico-score_https://www.bankofamerica.com/credit-cards/free-fico-credit-score/" href="https://www.bankofamerica.com/credit-cards/free-fico-credit-score/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">FICO Score</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-preferred-rewards-program_https://www.bankofamerica.com/preferred-rewards/" href="https://www.bankofamerica.com/preferred-rewards/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Preferred Rewards program</span> </span> </a> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-schedule-an-appointment_https://secure.bankofamerica.com/secure-mycommunications/public/appointments/" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/" class="js-cta-link cta-group__cta t-track-cta cta--icon-right cta--menu-link js-menu-link " target="_blank"> <span class="icon-c" data-action="icon"> <span class="icon icon--action-launch icon--royal-blue icon--size3 icon--align-right" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Schedule an appointment</span> </span> </a> </li> </ul> </div> <div class="aem-wrap--cta-group section"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-see-all-products-and-services_https://about.bankofamerica.com/en/our-company/financial-products-services" href="https://about.bankofamerica.com/en/our-company/financial-products-services" class="js-cta-link cta-group__cta t-track-cta cta--spotlights " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">See all products and services</span> </span> </a> </div> </div> </div> </div> <div class="navigation-items__menu--column-image"> <div class="image image--bg-pos-center " style="max-width: inherit" data-action="image"> <picture class="image__picture js-image-picture"> <img alt class="image__img" role="img" src="/content/dam/bmh/homepage-new/services.svg"/> </picture> <img src="/content/dam/bmh/homepage-new/services.svg" alt class="image__img--print" aria-hidden="true"/> </div> </div> </div> </li> </ul> </li> </ul> </nav> </div> </div> <div class="navigation-container__background js-navigation-background" style="background-color: #012169; background-image: url(/content/dam/bmh/homepage-new/hp-masthead-nav-012723.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="navigation-container__widget"> <div class="aem-wrap--conditional-wrapper"> <div class="conditional-wrapper hidden-section js-conditional-wrapper" data-action="conditionalWrapper" data-state="widget-incomplete" data-mode="publish"> <div><div class="aem-wrap--hp-widget-banner anm anm-type-fadeIn-up anm-delay-1 section"> <div class="hp-widget-banner js-hp-widget-banner"> <div class="hp-widget-banner__col-wrapper"> <div class="hp-widget-banner__col hp-widget-banner__img"> <div class="image image--bg-pos-center " style="max-width: inherit" data-action="image"> <picture class="image__picture js-image-picture"> <img alt class="image__img" role="img" src="/content/dam/bmh/homepage-new/hp-nav-wb-icon.svg"/> </picture> <img src="/content/dam/bmh/homepage-new/hp-nav-wb-icon.svg" alt class="image__img--print" aria-hidden="true"/> </div> </div> <div class="hp-widget-banner__col hp-widget-banner__heading-text"> <div class="hp-widget-banner__heading"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="what-are-your-financial-priorities" aria-hidden="true" tabindex="-1"></div> <h2 class="heading-latest__text headline--sm heading--text-blue heading--align-left "> What are your financial priorities? </h2> </div> </div> <div class="hp-widget-banner__text"> <div class="text-latest" data-cmp-name="text-latest"> <div class="cmp-text list-spacing--default list-height--default bullet-color--black "> <p>Answer a few simple questions, and we’ll direct you to the right resources for every stage of life.</p> </div> </div> </div> </div> <div class="hp-widget-banner__col hp-widget-banner__cta"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-get-started_/content/bmh/en/life-priorities" href="https://bettermoneyhabits.bankofamerica.com/en/life-priorities" class="js-cta-link cta-group__cta t-track-cta cta--spotlights " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Get Started</span> </span> </a> </div> </div> </div> </div> </div></div> </div> </div> </div> <div class="aem-wrap--conditional-wrapper"> <div class="conditional-wrapper hidden-section js-conditional-wrapper" data-action="conditionalWrapper" data-state="widget-complete" data-mode="publish"> <div><div class="aem-wrap--hp-widget-banner anm anm-type-fadeIn-up anm-delay-1 section"> <div class="hp-widget-banner js-hp-widget-banner"> <div class="hp-widget-banner__col-wrapper"> <div class="hp-widget-banner__col hp-widget-banner__img"> <div class="image image--bg-pos-center " style="max-width: inherit" data-action="image"> <picture class="image__picture js-image-picture"> <img alt class="image__img" role="img" src="/content/dam/bmh/homepage-new/hp-nav-wb-icon.svg"/> </picture> <img src="/content/dam/bmh/homepage-new/hp-nav-wb-icon.svg" alt class="image__img--print" aria-hidden="true"/> </div> </div> <div class="hp-widget-banner__col hp-widget-banner__heading-text"> <div class="hp-widget-banner__heading"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="what-are-your-financial-priorities" aria-hidden="true" tabindex="-1"></div> <h2 class="heading-latest__text headline--sm heading--text-blue heading--align-left "> What are your financial priorities? </h2> </div> </div> <div class="hp-widget-banner__text"> <div class="text-latest" data-cmp-name="text-latest"> <div class="cmp-text list-spacing--default list-height--default bullet-color--black "> <p>Welcome back. Your personalized solutions are waiting.</p> </div> </div> </div> </div> <div class="hp-widget-banner__col hp-widget-banner__cta"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-continue_/content/bmh/en/life-priorities" href="https://bettermoneyhabits.bankofamerica.com/en/life-priorities" class="js-cta-link cta-group__cta t-track-cta cta--spotlights " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Continue</span> </span> </a> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="navigation-container__reset-btn"> <a href="#" class="js-navigation-reset-btn t-track-collapse-menu"><span class="icon icon--action-back"></span>Reset menu</a> </div> </div> <div class="aem-wrap--header-boa header-boa--mobile"> <nav class="header-boa js-header-boa" data-cmp-name="header-boa" data-action="headerBoa" aria-label="Main"> <div class="row row--max"> <div class="header-boa__logo-wrap"> <a href="https://www.bankofamerica.com" class="logo-boa t-track-logo" data-bactmln="header_boa-_-icon-_-boa_logo" aria-label="Bank of America"> <img class="header-boa__logo" src="/content/dam/bmh/logos/bofa-logo-horizontal-nested-white.svg" alt="Bank of America"/> </a> </div> <ul class="header-boa__link-wrapper"> <li> <a href="https://www.bankofamerica.com/sitemap/hub/signin.go" class="t-track-body-copy-link"> <span class="header-boa__link">Online banking sign in</span> </a> </li> <li> <a href="https://locators.bankofamerica.com/" class="t-track-body-copy-link"> <span class="header-boa__link">Locations</span> </a> </li> <li> <a href="https://www.bankofamerica.com/contactus/contactus.go" class="t-track-body-copy-link"> <span class="header-boa__link">Contact</span> </a> </li> <li> <a href="https://www.bankofamerica.com/help/overview.go" class="t-track-body-copy-link"> <span class="header-boa__link">Help</span> </a> </li> </ul> </div> </nav></div> </section> </section> </div> </div> <div><div aria-labelledby="welcome-back" class="lastpage js-lastpage lastpage--hidden" aria-hidden="true" data-action="lastpage" role="dialog"> <a class="close-btn close-btn--lastpage js-close-btn--lastpage t-track-lastpage-popup-toggle" href="#" tabindex="0" role="button" data-bactmln="lastpage-_-ReturningWindow-_-close"><span class="accessibility-hidden">Close 'last page visited' modal</span><i class="icon icon--bold icon--multiply"></i></a> <h2 id="welcome-back"> <p class="lastpage__heading">Welcome back.</p><p class="lastpage__heading">Here's where you left off.</p> </h2> <div class="js-lastpage__last-visited-page lastpage__last-visited-page"> </div> <div class="lastpage__actions"> <a href="#" class="lines-sides lastpage__lines-sides js-lastpage__lines-sides t-track-lastpage-popup-toggle" tabindex="0" role="button" data-bactmln="lastpage-_-PopUp-_-expand"> <span class="accessibility-hidden"><span class="accessibility-hidden__action">Show</span> related content</span><i class="icon icon--action-collapse js-icon--toggle-up-next"></i> </a> <a class="lastpage__noshow-btn js-lastpage__noshow-btn t-track-lastpage-popup-toggle" href="#" tabindex="0" role="button" data-bactmln="lastpage-_-PopUp-_-hide"> (Don't show me this <span class="accessibility-hidden"> pop-up of the page I left off on </span>again) </a> </div> <div class="js-lastpage__upnext-wrapper lastpage__upnext-wrapper"> <p class="lastpage__subheading">You might also be interested in:</p> <div class="js-lastpage__upnext lastpage__upnext"> </div> </div> </div> </div> <div id="mainContent" role="main"> <div class="topic-content"> <div><div> <div class="topic-masthead" data-action="topicMasthead"> <div class="row row--content topic-masthead__row"> <img class="topic-masthead__image" src="/content/dam/bmh/cx/icon-finance-savings-white.svg" alt=""/> <div class="topic-masthead__combined-text"> <h1 class="topic-masthead__heading topic-masthead__heading--combined-text">Saving & Budgeting</h1> <p class="topic-masthead__description topic-masthead__description--combined-text">Setting budgets and building savings can help you meet financial goals. Get strategies and tips to better manage your money.</p> </div> </div> <div class="row row--content topic-masthead__row--description"> <p class="topic-masthead__description">Setting budgets and building savings can help you meet financial goals. Get strategies and tips to better manage your money.</p> </div> </div> </div></div> <div class="topicfilter" data-action="topicfilter"> <div class="tab-nav js-tab-nav tab-nav--topics background--template-theme-color-cx template-theme--cx border-bottom--template-theme-color-cx"> <div class="row row--tab-nav row--block row--grid"> <a href="#" class="tab-nav__display js-tab-nav__display tab-nav--topics__display" tabindex="0" role="tab" aria-expanded="false"><span class="js-tab-nav__display-text">Choose a filter</span><i class="icon icon--action-dropdown"></i></a> <div class="tab-nav__tabs js-tab-nav__tabs tab-nav--topics__tabs" role="tablist"> <a href="#" class="tab-nav__display tab-nav__display--close js-tab-nav__display--close" tabindex="-1" aria-hidden='true' role="tab" aria-expanded="true">Choose a filter<i class="icon icon--action-collapse"></i></a> <a data-subtopic="budgeting-tips" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=budgeting-tips" tabindex="0" role="tab">Budgeting Tips</a> <a data-subtopic="emergency-savings" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=emergency-savings" tabindex="0" role="tab">Emergency Savings</a> <a data-subtopic="family-and-money" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=family-and-money" tabindex="0" role="tab">Family & Money</a> <a data-subtopic="saving-strategies" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=saving-strategies" tabindex="0" role="tab">Saving Strategies</a> <a data-subtopic="smarter-spending" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=smarter-spending" tabindex="0" role="tab">Smarter Spending</a> <a data-subtopic="travel-and-entertainment" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting?subTopicId=travel-and-entertainment" tabindex="0" role="tab">Travel & Entertainment</a> </div> </div> </div> <div class="row row--block row--grid"> <h2 class="topicfilter__heading js-topicfilter__heading">Most Popular</h2> <div class="mosaic js-mosaic" data-subtopic="overview" role="tabpanel"> <div class="mosaic-item--sizer"></div> <div class="gutter--sizer"></div> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/if-then-planning" data-path="/content/bmh/en/saving-budgeting/if-then-planning" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="visual-story" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Video-dimensions" tabindex="0"> <div class="visual-story mosaic-item--Video template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Video"> <div class="mosaic-item__image mosaic-item__image--visual-story" style="background-image: url( /content/dam/bmh/assets/thumbnails/savingbudgeting/reach-your-financial-goals-with-an-if-then-plan-topic-horizontal-561x262.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <div class="mosaic-item__cta mosaic-item__cta--Video "> <i class="icon icon--visual-story mosaic-item__icon mosaic-item__icon--visual-story " aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Tackle your financial goals with an if-then plan</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Explore visual story </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/pay-down-debt-save-or-invest" data-path="/content/bmh/en/saving-budgeting/pay-down-debt-save-or-invest" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="tool" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Infographic-dimensions" tabindex="0"> <div class="tool mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--tool" style="background-image: url( /content/dam/bmh/decision-tree/pay-down-debt-save-or-invest/topicpageverticaltile-262x374.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--tool "> Help me decide: Should I pay down debt, save or invest? </h3> <div class="mosaic-item__cta "> <i class="icon icon--tool mosaic-item__icon mosaic-item__icon--tool " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Use tool </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/future-me-financial-goals" data-path="/content/bmh/en/saving-budgeting/future-me-financial-goals" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="visual-story" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Video-dimensions" tabindex="0"> <div class="visual-story mosaic-item--Video template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Video"> <div class="mosaic-item__image mosaic-item__image--visual-story" style="background-image: url( /content/dam/bmh/assets/thumbnails/savingbudgeting/future-me-financial-goals-topic-horizontal-561x262.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <div class="mosaic-item__cta mosaic-item__cta--Video "> <i class="icon icon--visual-story mosaic-item__icon mosaic-item__icon--visual-story " aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Hello “Future Me”: A visualization technique to stick to your financial goals</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Explore visual story </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-stop-overspending" data-path="/content/bmh/en/saving-budgeting/how-to-stop-overspending" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Feeling pressure to spend? Here’s why and how to deal with it</h3> <p class="mosaic-item__description">We’ve all felt pressure to spend at some point. Learn to spot the triggers that drive impulsive purchases, along with techniques to curb unwanted spending habits.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-save-money" data-path="/content/bmh/en/saving-budgeting/how-to-save-money" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="visual-story" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Video-dimensions" tabindex="0"> <div class="visual-story mosaic-item--Video template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Video"> <div class="mosaic-item__image mosaic-item__image--visual-story" style="background-image: url( /content/dam/bmh/spotlight-featured-tile/ws-spotlight-featured-image-tile-787x600.png.transform/bmh-jpg-optimize/image.jpg)"></div> <div class="mosaic-item__cta mosaic-item__cta--Video "> <i class="icon icon--visual-story mosaic-item__icon mosaic-item__icon--visual-story " aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">How to save money</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Explore visual story </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-make-better-financial-decisions" data-path="/content/bmh/en/saving-budgeting/how-to-make-better-financial-decisions" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> What was I thinking? How to change illogical money habits into positive actions</h3> <p class="mosaic-item__description">Sometimes our financial decisions just don’t make sense. Explore tools to recognize and overcome behaviors hurting your bottom line.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/should-i-buy-it" data-path="/content/bmh/en/saving-budgeting/should-i-buy-it" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="tool" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Infographic-dimensions" tabindex="0"> <div class="tool mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--tool" style="background-image: url( /content/dam/bmh/decision-tree/should-i-buy-this/topicpageverticaltile-262x374.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--tool "> Help me decide: Should I buy this?</h3> <div class="mosaic-item__cta "> <i class="icon icon--tool mosaic-item__icon mosaic-item__icon--tool " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Use tool </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-improve-your-money-mindset" data-path="/content/bmh/en/saving-budgeting/how-to-improve-your-money-mindset" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to improve your money mindset and make better choices</h3> <p class="mosaic-item__description">Financial beliefs form in childhood, for better or worse. Empower yourself to change your outlook with these actionable tips.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/green-home-technology" data-path="/content/bmh/en/saving-budgeting/green-home-technology" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to save energy—and money—at home</h3> <p class="mosaic-item__description">An energy-saving smart home can also be a smart money-saving strategy. Check out these 9 upgrades that can make your home more sustainable.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget" data-path="/content/bmh/en/saving-budgeting/creating-a-budget" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Your guide to creating a budget plan</h3> <p class="mosaic-item__description">A personal budget can help you take control of your spending and saving. These steps can help you get started in reaching your short- and long-term goals.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/military-deployment-checklist" data-path="/content/bmh/en/saving-budgeting/military-deployment-checklist" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Military deployment checklist: 7 ways to prepare your finances</h3> <p class="mosaic-item__description">Protect your finances with these pre-deployment steps.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-pay-when-traveling-abroad" data-path="/content/bmh/en/saving-budgeting/how-to-pay-when-traveling-abroad" data-language="en-US" hreflang="en-US" data-subtopic="travel-and-entertainment" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--travel-and-entertainment mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Traveling abroad? Understanding payment methods and how to avoid transaction fees</h3> <p class="mosaic-item__description">Prepare for the card and account questions and fees you may encounter when traveling with this quick guide.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/military-move-checklist" data-path="/content/bmh/en/saving-budgeting/military-move-checklist" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 8 steps to prepare for your next military move</h3> <p class="mosaic-item__description">A permanent change of station (PCS) for military members may mean changing up your finances as well.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-manage-bills" data-path="/content/bmh/en/saving-budgeting/how-to-manage-bills" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to manage your bills: A step-by-step guide</h3> <p class="mosaic-item__description">Paying bills doesn't have to be stressful. Learn simple ways to get organized so you can stay on top of your expenses.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/joint-bank-account" data-path="/content/bmh/en/saving-budgeting/joint-bank-account" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Joint bank accounts: What you need to know</h3> <p class="mosaic-item__description">There are several ways to combine your finances with your partner’s. Here’s how to determine if a joint bank account will work for you.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-money-management-better" data-path="/content/bmh/en/saving-budgeting/how-to-money-management-better" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/options-for-people-who-do-not-like-to-budget.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Options for people who don’t like to budget</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/emergency-fund-tips" data-path="/content/bmh/en/saving-budgeting/emergency-fund-tips" data-language="en-US" hreflang="en-US" data-subtopic="emergency-savings" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--emergency-savings mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 6 simple steps to jump-start your emergency fund </h3> <p class="mosaic-item__description">You know you need to save several months of living expenses. But how? These tips will help you set aside the cash you need.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/set-budget-stick-to-it" data-path="/content/bmh/en/saving-budgeting/set-budget-stick-to-it" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/How-to-set-a-budget-and-stick-to-it.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">How to set a budget and stick to it</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/rental-car-insurance-coverage" data-path="/content/bmh/en/saving-budgeting/rental-car-insurance-coverage" data-language="en-US" hreflang="en-US" data-subtopic="travel-and-entertainment" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--travel-and-entertainment mosaic-item--Article-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Infographic text--template-theme-color-cx"> Do I need to add insurance when renting a car?</h3> <p class="mosaic-item__description">Learn what to know before you rent to decide if additional car insurance is right for you.</p> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/spending-tool" data-path="/content/bmh/en/saving-budgeting/spending-tool" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="tool" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Infographic-dimensions" tabindex="0"> <div class="tool mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--tool" style="background-image: url( /content/dam/bmh/cx/mosaic/phone-credit-cards-v2.svg)"></div> <h3 class="mosaic-item__title mosaic-item__title--tool "> Spending Analysis Tool</h3> <div class="mosaic-item__cta "> <i class="icon icon--tool mosaic-item__icon mosaic-item__icon--tool " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Use tool </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/money-market-vs-cd-vs-savings" data-path="/content/bmh/en/saving-budgeting/money-market-vs-cd-vs-savings" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Savings accounts and CDs (certificates of deposit): Which should I choose?</h3> <p class="mosaic-item__description">Savings accounts and CDs are two great options for saving. Break them down to figure out what’s right for your goals.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money" data-path="/content/bmh/en/saving-budgeting/how-to-start-saving-money" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 5 steps to get started with saving</h3> <p class="mosaic-item__description">Small changes can yield big benefits when it comes to saving. Follow these 5 basic steps to start saving and making financial progress.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/steps-to-better-money-habits" data-path="/content/bmh/en/saving-budgeting/steps-to-better-money-habits" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/Steps-to-better-money-management.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Steps to better money management</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money" data-path="/content/bmh/en/saving-budgeting/ways-to-save-money" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Simple ways to save money for the future</h3> <p class="mosaic-item__description">Saving money doesn’t have to be difficult. Develop a realistic plan and get started saving with this guide.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/travel-checklist" data-path="/content/bmh/en/saving-budgeting/travel-checklist" data-language="en-US" hreflang="en-US" data-subtopic="travel-and-entertainment" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--travel-and-entertainment mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Your travel checklist: 10 tips for a worry-free vacation</h3> <p class="mosaic-item__description">Don't let money get in the way of your hard-earned vacation. Avoid surprises and help make your next trip the best yet with this 10-point travel checklist.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-save-money-tips" data-path="/content/bmh/en/saving-budgeting/how-to-save-money-tips" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/How-to-save-money-every-day.png.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">How to save money every day</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-manage-money-in-marriage" data-path="/content/bmh/en/saving-budgeting/how-to-manage-money-in-marriage" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Marriage and Money: 10 tips for financial bliss</h3> <p class="mosaic-item__description">When it comes to your marriage, talking about money goes a long way. This 10-point checklist can help you start your partnership on the right financial foot.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/10-ways-to-make-extra-money" data-path="/content/bmh/en/saving-budgeting/10-ways-to-make-extra-money" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 10 ways to earn extra cash</h3> <p class="mosaic-item__description">Whether it's for bills, saving or for fun, we can all use some extra cash from time to time. Here are 10 ways to make a little extra money. </p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/setting-and-achieving-financial-goals" data-path="/content/bmh/en/saving-budgeting/setting-and-achieving-financial-goals" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to set achievable financial goals</h3> <p class="mosaic-item__description">Try these 4 simple strategies to set and achieve realistic financial goals without having to make major life changes.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/manage-family-savings-goals" data-path="/content/bmh/en/saving-budgeting/manage-family-savings-goals" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to balance your family’s savings priorities</h3> <p class="mosaic-item__description">Saving for yourself is hard enough, but when you save for a family, things can get complicated. Learn how to plan and prioritize so you can save for your family’s short- and long-term goals. </p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/average-household-monthly-expenses" data-path="/content/bmh/en/saving-budgeting/average-household-monthly-expenses" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--smarter-spending mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/khan-thumbnails/spotlight-tile-vertical.svg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> Spending: How do you stack up?</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/living-on-one-income" data-path="/content/bmh/en/saving-budgeting/living-on-one-income" data-language="en-US" hreflang="en-US" data-subtopic="budgeting-tips" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--budgeting-tips mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 7 strategies for living on a single income</h3> <p class="mosaic-item__description">If you’re thinking of making the transition from multiple paychecks to living off a single income, these 7 tips can help you adjust.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/learning-to-save" data-path="/content/bmh/en/saving-budgeting/learning-to-save" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--saving-strategies mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/mosaic-howtoprioritizeyoursavingsgoals.svg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> How to prioritize your savings goals</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/aging-parents-finances" data-path="/content/bmh/en/saving-budgeting/aging-parents-finances" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Managing your parent’s finances: 8 steps to guide the transition</h3> <p class="mosaic-item__description">Learn how you can work with your aging parents to begin taking on responsibility for their finances.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-become-financially-independent" data-path="/content/bmh/en/saving-budgeting/how-to-become-financially-independent" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 8 steps to reaching financial independence</h3> <p class="mosaic-item__description">Nobody says adulting is easy. From healthcare to credit strategies, see eight steps to getting set up on your own.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/military-financial-checklist" data-path="/content/bmh/en/saving-budgeting/military-financial-checklist" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Financial checklist for transitioning military members</h3> <p class="mosaic-item__description">Transitioning to civilian life can feel overwhelming. Try this checklist to help you stay organized and plan accordingly.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/coping-with-the-cost-of-caregiving" data-path="/content/bmh/en/saving-budgeting/coping-with-the-cost-of-caregiving" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Coping with the cost of caregiving</h3> <p class="mosaic-item__description">Being a primary caregiver can mean big financial responsibilities. Try these strategies to help reduce expenses and stress.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/holiday-shopping-tips" data-path="/content/bmh/en/saving-budgeting/holiday-shopping-tips" data-language="en-US" hreflang="en-US" data-subtopic="smarter-spending" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--smarter-spending mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to keep your holiday spending on budget</h3> <p class="mosaic-item__description">Need help with holiday shopping and budgeting to avoid overspending this year? Keep your holiday spending in check with these 10 holiday shopping tips.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/saving-money-as-a-teenager" data-path="/content/bmh/en/saving-budgeting/saving-money-as-a-teenager" data-language="en-US" hreflang="en-US" data-subtopic="saving-for-a-big-purchase" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--saving-for-a-big-purchase mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Teen guide: 5 steps to saving for something you really want</h3> <p class="mosaic-item__description">Got your eye on something? It helps to have a gameplan. Get some tips on how to save for your first big purchase.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/caregivers-financial-guide" target="_blank" data-path="https://www.merrilledge.com/article/caregivers-financial-guide" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> The caregiver's financial guide</h3> <p class="mosaic-item__description">Becoming a caregiver is an important decision. Ask yourself these five questions to help guide you through the choices you'll have to make.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/caring-for-aging-parents" target="_blank" data-path="https://www.merrilledge.com/article/caring-for-aging-parents" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Your options when caring for aging parents</h3> <p class="mosaic-item__description">There are many options available to help you care for your aging parents - and ways to finance the costs. Before you make a decision, know all the options as well as the tax implications.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/checklist-kids-parents-moving-in-with-you" target="_blank" data-path="https://www.merrilledge.com/article/checklist-kids-parents-moving-in-with-you" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Kids or parents moving in</h3> <p class="mosaic-item__description">It's increasingly common for parents, adult children and grandchildren to live together. Learn how to prepare for life in a "multigenerational" household.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/checklist-caring-for-sick-or-elderly-loved-one" target="_blank" data-path="https://www.merrilledge.com/article/checklist-caring-for-sick-or-elderly-loved-one" data-language="en-US" hreflang="en-US" data-subtopic="family-and-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--family-and-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Caring for a sick or elderly loved one</h3> <p class="mosaic-item__description">If you're faced with taking on the responsibility of caring for an aging or ill loved one, these resources can help.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/simple-saving-tools" data-path="/content/bmh/en/saving-budgeting/simple-saving-tools" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Tools that help make saving simple</h3> <p class="mosaic-item__description">From automatic payments to credit card rewards, learn about simple ways to reach your savings goals.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/handling-new-wealth-checklist" target="_blank" data-path="https://www.merrilledge.com/article/handling-new-wealth-checklist" data-language="en-US" hreflang="en-US" data-subtopic="saving-strategies" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--saving-strategies mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Receiving an inheritance or unexpected assets</h3> <p class="mosaic-item__description">These tips can help you prepare to manage an inheritance or unexpected new wealth.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="#" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--9d29ba5b-755f-3959-ad1c-5f628e1d99e7 js-quiz mosaic-item mosaic-item--quiz mosaic-item-- js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="11" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/saving-budgeting"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Can you change the due dates of bills to better align with the dates you get paid?</legend> <div class="quiz-question__responses"> <a href="#" data-role="9d29ba5b-755f-3959-ad1c-5f628e1d99e7" question-id="topic-link-yes" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_can_you_change_the_due_dates_of_bills_to_better_align_with_the_dates_you_get_paid_answer_yes" role="button" aria-label="Yes">Yes </a> <a href="#" data-role="9d29ba5b-755f-3959-ad1c-5f628e1d99e7" question-id="topic-link-no" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_can_you_change_the_due_dates_of_bills_to_better_align_with_the_dates_you_get_paid_answer_no" role="button" aria-label="No">No </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-yes"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Yes</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-no"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> No</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Many billers are happy to change the date payment is due, so long as you’re still paying each month.</p> <p class="quiz-answer__content incorrect">Many billers are happy to change the date payment is due, so long as you’re still paying each month. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-manage-bills" data-bactmln="poll-_-submit-_-question_can_you_change_the_due_dates_of_bills_to_better_align_with_the_dates_you_get_paid_" hreflang="en-US"> Learn more </a> </div> </div> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item-- mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">You can help grow your savings by setting up an automatic transfer between your checking and savings accounts.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/how-to-start-saving-money" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? You can help grow your savings by setting up an automatic transfer between your checking and savings accounts. </span>More budgeting tips </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--budgeting-tips mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="budgeting-tips" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Writing things down helps you save money—keep track of your monthly and annual charges to ensure you’re paying for only what you need.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/steps-to-better-money-habits" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/steps-to-better-money-habits" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? Writing things down helps you save money—keep track of your monthly and annual charges to ensure you’re paying for only what you need. </span>Manage and plan </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--budgeting-tips mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="7" data-subtopic="budgeting-tips" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">To help stop impulse buys, take a five-minute pause before clicking “buy” on your next online purchase.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/creating-a-budget" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? To help stop impulse buys, take a five-minute pause before clicking “buy” on your next online purchase. </span>More budgeting tips </a> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type1 quiz--bd5b6c22-d8f9-3ee4-8a08-3a22c23d49e8 js-quiz mosaic-item mosaic-item--quiz mosaic-item--emergency-savings js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="2" data-subtopic="emergency-savings" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/saving-budgeting"/> <input class="quiz--type" type="hidden" value="type1"/> <h3 class="quiz-title"> Poll </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">How long will your emergency savings cover your everyday living expenses?</legend> <div class="quiz-question__responses"> <a href="#" data-role="bd5b6c22-d8f9-3ee4-8a08-3a22c23d49e8" question-id="topic-link-a-few-weeks" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_long_will_your_emergency_savings_cover_your_everyday_living_expenses_answer_a_few_weeks" role="button" aria-label="A few weeks">A few weeks </a> <a href="#" data-role="bd5b6c22-d8f9-3ee4-8a08-3a22c23d49e8" question-id="topic-link-a-few-months" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_long_will_your_emergency_savings_cover_your_everyday_living_expenses_answer_a_few_months" role="button" aria-label="A few months">A few months </a> <a href="#" data-role="bd5b6c22-d8f9-3ee4-8a08-3a22c23d49e8" question-id="topic-link-a-year-or-more" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_long_will_your_emergency_savings_cover_your_everyday_living_expenses_answer_a_year_or_more" role="button" aria-label="A year or more">A year or more </a> <a href="#" data-role="bd5b6c22-d8f9-3ee4-8a08-3a22c23d49e8" question-id="topic-link-what-savings-" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_long_will_your_emergency_savings_cover_your_everyday_living_expenses_answer_what_savings_" role="button" aria-label="What savings?">What savings? </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type1" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-a-few-weeks"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> A few weeks</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-a-few-months"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> A few months</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-a-year-or-more"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> A year or more</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-what-savings-"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> What savings?</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Many experts suggest saving enough for 3-9 months’ worth of expenses.</p> <p class="quiz-answer__content incorrect">Many experts suggest saving enough for 3-9 months’ worth of expenses. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/emergency-fund-tips" data-bactmln="poll-_-submit-_-question_how_long_will_your_emergency_savings_cover_your_everyday_living_expenses_" hreflang="en-US"> More about emergency funds </a> </div> </div> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--emergency-savings mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="emergency-savings" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">An emergency fund can not only prepare you for worst-case scenarios, but also help you budget better to save for them.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/create-safety-net-unexpected-events" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/create-safety-net-unexpected-events" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? An emergency fund can not only prepare you for worst-case scenarios, but also help you budget better to save for them. </span>Start one </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--saving-strategies mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="saving-strategies" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Getting in the habit of saving is the hardest part. Try to put something in savings each month to get started.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/how-to-start-saving-money" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? Getting in the habit of saving is the hardest part. Try to put something in savings each month to get started. </span>More saving strategies </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--smarter-spending mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="smarter-spending" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Using a debit card can help curb overspending. After all, you can only spend the money that's in your account.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/difference-between-debit-and-credit" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/personal-banking/difference-between-debit-and-credit" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? Using a debit card can help curb overspending. After all, you can only spend the money that's in your account. </span>Start spending smarter </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--travel-and-entertainment mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="travel-and-entertainment" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Some credit cards charge you a foreign transaction fee when using them abroad. Make sure to check your terms. </p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-pay-when-traveling-abroad" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/saving-budgeting/how-to-pay-when-traveling-abroad" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? Some credit cards charge you a foreign transaction fee when using them abroad. Make sure to check your terms. </span>More saving tips </a> </div> </div> <div class="aem-wrap--dislosure-container section"> <div class="dislosure-container js-dislosure-container" data-action="dislosureContainer"> <div class="row row--text"> <div class="column column--span-1-1"> <div> <div class="disclosure js-disclosure"><div class="aem-wrap--text-latest section"> <div class="text-latest" data-cmp-name="text-latest"> <div class="cmp-text list-spacing--default list-height--default bullet-color--black "> <p><strong>Investing involves risk including loss of principal.</strong></p> <p>Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”).</p> <p>MLPF&S is a registered broker-dealer, registered investment adviser, Member <a href="https://www.sipc.org/">SIPC</a>, and a wholly-owned subsidiary of BofA Corp.</p> <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.</p> <p><strong>Investment products:</strong><br/> </p> <table width="100%" cellspacing="0" cellpadding="1" border="1"> <tbody><tr><td><p style="text-align: center;"><strong>Are Not</strong></p> <p style="text-align: center;"><strong>FDIC Insured</strong></p> </td> <td><p style="text-align: center;"><strong>Are Not</strong></p> <p style="text-align: center;"><strong>Bank Guaranteed</strong></p> </td> <td style="text-align: center;"><strong>May Lose Value</strong></td> </tr></tbody></table> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> <div class="js-priorities-widget-container "></div> <div> <div class="aem-wrap--interstitial"> <div class="interstitial js-interstitial" data-action="interstitial" role="dialog" aria-hidden="true" data-includelangurls="[]" data-excludeurls="["bankofamerica.com","ml.com","merrilledge.com","bettermoneyhabits.com","https://www.pbig.ml.com","https://www.ml.com","https://promotions.bankofamerica.com/","https://business.bofa.com/en-us/content/global-privacy-notices"]" data-excludelangurls="[]" data-exclude-containers="onetrust-consent-sdk"> <div class="overlay js-overlay-interstitial"></div> <div class="interstitial__container js-interstitial-container"> <div class="js-contents" data-external-copy="<h2>You're continuing to another website</h2> <p>You're continuing to another website that Bank of America doesn't own or operate. Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. It's possible that the information provided in the website is available only in English.</p> " data-internal-copy="<h2>Va a ir a una página que podría estar en inglés</h2> <p>Es posible que el contenido, las solicitudes y los documentos asociados con los productos y servicios específicos en esa página estén disponibles solo en inglés. Antes de escoger un producto o servicio, asegúrese de haber leído y entendido todos los términos y condiciones provistos.</p> " aria-hidden="true"></div> <a href="#" class="close-btn js-interstitial-close t-track-interstitial-close" role="button" aria-label="Close you're continuing to another website dialog" data-bactmln="interstitial-_-close-_-ExternalWindow"> <span class="icon icon--close" aria-hidden="true"></span> </a> <div class="interstitial__body js-content-wrapper"></div> <div class="interstitial__buttons js-external-copy"> <a href="#" ç class="interstitial__buttons-continue t-track-cta js-interstitial-continue" data-link="" role="button" target="_blank" rel="noopener noreferrer" data-bactmln="interstitial-_-Hyperlink-_-Continue_External">Continue</a> <a href="#" class="interstitial__buttons-cancel js-interstitial-cancel t-track-cta" role="button" data-bactmln="interstitial-_-Hyperlink-_-Return_BM">Cancel</a> </div> <div class="interstitial__buttons js-alternate-copy"> <a href="#" class="interstitial__buttons-continue t-track-cta js-interstitial-continue" data-link="" role="button" target="_blank" rel="noopener noreferrer" data-bactmln="interstitial-_-Hyperlink-_-Continue_External_English">Continue</a> <a href="#" class="interstitial__buttons-cancel js-interstitial-cancel t-track-cta" role="button" data-bactmln="interstitial-_-Hyperlink-_-Return_BMH_External_English">Cancel</a> </div> </div> </div> </div> </div> <div> <div class="aem-wrap--advertising"> <div id="advertising" class="advertising js-advertising-wrapper " data-cmp-name="advertising" data-action="advertising"> <div class="overlay js-overlay-advertising"></div> <div class="advertising__container js-advertising" role="dialog" aria-modal="true" aria-hidden="true"> <a href="#" class="close-btn js-advertising-close t-track-advertising-close" data-bactmln="close-advertising-practices" tabindex="0" role="button" aria-label="Close Advertising Practices"> <span class="icon icon--close"></span> </a> <div class="advertising__scroll-text js-advertising-scroll-text"> <h1 class="advertising__title">Advertising Practices</h1> <div><p>We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.</p> <p>Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit <a href="https://optout.aboutads.info/?c=2&lang=EN" target="_blank">YourAdChoices</a> powered by the DAA or through the <a href="https://optout.networkadvertising.org/?c=1" target="_blank">Network Advertising Initiative's Opt-Out Tool</a>. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.</p> <p>To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the <a href="https://www.bankofamerica.com/security-center/online-privacy-notice/?request_locale=en_US" target="_blank">Bank of America Online Privacy Notice</a> and our <a href="https://www.bankofamerica.com/security-center/faq/online-privacy/?request_locale=en_US" target="_blank">Online Privacy FAQs</a>.</p> </div> </div> </div> </div></div> </div> <div> <div class="aem-wrap--tools-lp-footer"> <div class="tools-lp-footer" role="contentinfo" data-cmp-name="tools-lp-footer" data-action="toolsLpFooter"> <div class="tools-lp-footer__wrapper"> <div class="tools-lp-footer__head"> <a class="t-track-logo" href="https://bettermoneyhabits.bankofamerica.com/en" tabindex="0" target="_self" aria-label="Better Money Habits registered mark Powered by Bank of America" data-bactmln="tools_lp_footer-_-icon-_-bmh_logo"> <div role="img"> <div class="image image--bg-pos-center " style="max-width: inherit" data-action="image"> <picture class="image__picture js-image-picture"> <source srcset="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone-white.svg" media="(min-width: 1200px)"/> <source srcset="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone-white.svg" media="(min-width: 1024px)"/> <source srcset="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone-white.svg" media="(min-width: 640px)"/> <img alt="Better Money Habits registered sign" class="image__img" role="img" src="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone-white.svg"/> </picture> <img src="/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone-white.svg" alt="Better Money Habits registered sign" class="image__img--print" aria-hidden="true"/> </div> </div> </a> <div class="tools-lp-footer__social"> <p class="tools-lp-footer__socialheader">Connect with us</p> <div class="list-icon default"> <div class="list-icon__logos"> <a class="js-list-icon" href="https://www.facebook.com/BankofAmerica" target="_self" aria-label="Facebook icon Opens a modal pop up" data-bactmln="icon_facebook-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/footer_social_icon_facebook.svg" alt="Facebook icon Opens a modal pop up"/> </a> </div> <div class="list-icon__logos"> <a class="js-list-icon" href="https://www.instagram.com/bankofamerica/" target="_self" aria-label="Instagram icon Opens a modal pop up" data-bactmln="icon_instagram-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/footer_social_icon_instagram.svg" alt="Instagram icon Opens a modal pop up"/> </a> </div> <div class="list-icon__logos"> <a class="js-list-icon" href="https://www.linkedin.com/company/bank-of-america/" target="_self" aria-label="Linkedin icon Opens a modal pop up" data-bactmln="icon_linkedin-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/footer_social_icon_linkedin.svg" alt="Linkedin icon Opens a modal pop up"/> </a> </div> <div class="list-icon__logos"> <a class="js-list-icon" href="https://www.pinterest.com/bettermoneyhabits/" target="_self" aria-label="Pinterest icon Opens a modal pop up" data-bactmln="icon_pinterest-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/footer_social_icon_pinterest.svg" alt="Pinterest icon Opens a modal pop up"/> </a> </div> <div class="list-icon__logos"> <a class="js-list-icon" href="https://twitter.com/BankofAmerica" target="_self" aria-label="Twitter icon Opens a modal pop up" data-bactmln="icon_twitter-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/x-white-digital-black.svg" alt="Twitter icon Opens a modal pop up"/> </a> </div> <div class="list-icon__logos"> <a class="js-list-icon" href="https://www.youtube.com/user/bankofamerica" target="_self" aria-label="Youtube icon Opens a modal pop up" data-bactmln="icon_youtube-icon-opens-a-modal-pop-up"> <img class="list-icon__logos--image" aria-hidden="true" src="/content/dam/bmh/ToolsLP/footer-social-icons/footer_social_icon_youtube.svg" alt="Youtube icon Opens a modal pop up"/> </a> </div> </div> </div> </div> <div class="tools-lp-footer__links"> <div class="cta-group "> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_bank_of_america" href="https://www.bankofamerica.com/" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Bank of America</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_privacy_and_security" href="https://www.bankofamerica.com/security-center/privacy-overview/" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Privacy</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_childrens_privacy" href="https://www.bankofamerica.com/online-banking/childrens-privacy-policy/" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Children’s Privacy</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_privacy_and_security" href="https://www.bankofamerica.com/security-center/overview/" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Security</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_careers" href="https://careers.bankofamerica.com/en-us" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Careers</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_sitemap" href="https://www.bankofamerica.com/sitemap/personal.go" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Sitemap</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_advertising_practices" href="#advertising_practices.html" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_self" aria-label="Advertising Practices link Opens a modal pop up"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Advertising Practices</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_education" href="https://bettermoneyhabits.bankofamerica.com/community/en" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Education Resource Center</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_terms" href="https://bettermoneyhabits.bankofamerica.com/en/terms" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_self"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Terms of Use</span> </span> </a> </div> <div class="cta-group__wrapper "> <a data-bactmln="footer_content_bank_of_america" href="https://www.bankofamerica.com/accessible-banking/overview/?request_locale=en_US" class="js-cta-link cta-group__cta t-track-cta js-tracking-override cta--link " target="_blank"> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Accessible Banking</span> </span> </a> </div> </div> <div class="cta-group__note"><p style="margin: 0 0 20.0px 0;font-size: 12.0px;"><a id="launchOtPc" class="ot-sdk-show-settings t-track-body-copy-link" href="#lot">Your Privacy Choices</a><span class="uc-icon-optout-policy" style="font-size: 20.0px;margin-left: 5.0px;vertical-align: middle;" aria-hidden="true"></span></p> </div> <div class="tools-lp-footer__note"> <p>Some materials and online content may be available in English only.</p> <p>Bank of America, N.A. Member FDIC. <span class="text">Equal Housing Lender</span> <span class="icon icon--ehl"></span> </p> <p>© 2025 Bank of America Corporation. All rights reserved.</p> <span class="tools-lp-footer__note__legal--bottom"><p style="margin: 30.0px 0 15.0px;">Investment products:</p> <table role="presentation" style="border-color: rgb(255,255,255);" width="100%" cellspacing="0" cellpadding="3" border="1"> <tbody><tr><td style="text-align: center;"><p><strong><span class="copy-size-l">Are Not<br/> FDIC Insured</span></strong></p> </td> <td style="text-align: center;"><p><strong><span class="copy-size-l">Are Not<br/> Bank Guaranteed</span></strong></p> </td> <td style="text-align: center;"><p><strong><span class="copy-size-l">May Lose Value</span></strong></p> </td> </tr></tbody></table> <p style="margin-top: 15.0px;">Bank of America and its affiliates do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.</p> </span> </div> </div> </div> </div> </div> </div> <div class="overlay overlay--hidden js-overlay"></div> <script src="/etc.clientlibs/bmh/clientlibs/scripts/all.min.js" defer></script> <script src="/etc.clientlibs/bmh/clientlibs/scripts/custom-dimensions.min.js" defer></script> </body> </html>