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LCCC Employee Financial Wellness Resources: Spending Plan

Designed for LCCC Employees by the MyWellness Committee

About Spending Plans

Making a budget can be hard, and sticking to it can be even harder. Planning is natural, especially when you know how to adjust for the unplanned. If you don't like the word "budget", think of it a as "spending plan". 


Make a spending plan. 

Review your statements for recurring payments.
Did you forget that you signed up for a service you no longer need or use? Save money by canceling what you can. 

Budget Apps

Use a budget app to manage your spending plan.
Here are some suggested apps to track your spending:

You Need a Budget

  • Has reports to show you your spending habits 
  • Savings Lessons inside the app 
  • Can be shared with multiple people on a single budget 
  • Looking at the age of money (getting away from living paycheck to paycheck) 

Everydollar (by Dave Ramsey)

  • Has a free version 
  • Can be shared with multiple people on a single budget 
  • Dave Ramsey budget lessons 

Mint (by Intuit)

  • Includes a free credit score (using the VantageScore model) and credit monitoring

Saving and Retirement

Pay yourself first!
Talk to your bank about automatically transferring a fixed amount to a savings account after every paycheck. Save for emergencies or something specific, like a vacation or special gift. 

Check the balance of your retirement account(s). 

Wyoming Retirement Systems


Take advantage of a Deferred Compensation Account.
If you've already done that, check the balance of your 457 account and consider changes.

Wyoming Retirement Systems Deferred Compensation

Teach the children in your life about saving.
Use these tips and resources from the ABA Foundation to help youth understand money concepts that will set them on the path to a smart financial future.

Youth & Money

Additional Small Steps

Small Steps Add Up! Do one small thing to improve your personal finances. We listed many on the main page, like making a budget and checking your recurring payments. Here are a few more:

  • Track your spending. It's the first step in making a spending plan.
  • Reconcile your checkbook
  • Read a book about personal finances. 
  • Make a list before shopping (and stick to it)
  • Comparison shop for bigger ticket items, like vacuums
  • Prepare a net worth statement. Check out this FINRA article for how.

Dana McCammon

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Dana McCammon
Accredited Financial Counselor® |
Reporting & Support Specialist, Institutional Research |