American Express Serve® Resource Center

Take Control of Your Family Finances

Managing family finances is often a balancing act. The challenge is finding a way to pay for what you need today while saving for tomorrow.

Family Budgeting: Spend Smarter and Save More

Managing personal finances can be hard enough. The game changes when the future of your family is on the line. Every move you make doesn't just affect you. It impacts the people who depend on you most.

Smart budgeting and discipline are some of the keys to successfully managing family finances. Your family finances should balance what you need now with what you and your children will need down the road. Start by making sure you and your partner are on the same page. Take a hard look at your expenses and use them to identify your priorities. Then create a family budgeting strategy that everyone can follow.

Think about how much money you are putting aside each month. Whether you're saving for a new home, planning for your kids' college years, contributing to your own retirement fund or creating resources to support your parents, the choices you make now will have a lasting impact on your future. It's up to you to save. Determine how much money you should be putting away. And if you find yourself falling short of your saving goals, you'll need to reassess your spending and make cuts where necessary.

Expect the unexpected. When you're managing family finances, it's easier to weather a storm when you're prepared for a rainy day. That's why family budgeting should always account for an emergency fund. You never know when you might have a costly car repair or an unforeseen medical expense like a broken bone. Tools like Reserve on American Express Serve® allow you to periodically set aside money, so it's available when you and your family need it most.
Your family finances should also allow room for recreation and travel. Be smart about your splurges and budget accordingly. Just because you're saving for the future doesn't mean you can't have fun along the way. Make sure you enjoy the ride.

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