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CREDIT TIPS & TOOLS

Gettington is all about giving you options and helping you get the most out of your shopping experience with us. An important part of that experience is understanding how credit works and making the smartest possible choices when you make your purchases. That’s why we’ve created this information guide, with topics ranging from budgeting to credit, plus handy tips and tools, a glossary of terms, and much more. We’ve also included a section on how to read your Gettington statement. With this valuable information in hand, you can rest easy knowing that your choices are sound and your purchases are credit smart.

Personal Budgeting

Creating a budget

  1. Gather all sources of information that detail income and expenses. If the exact amounts are not available, make estimates.
  2. Break down the expenses into those that stay the same (mortgage or rent, etc.) and those that vary month to month (food, gasoline, phone, etc.)
  3. On a monthly basis, total your income (use your take-home amount) and expenses.
  4. Verify that income is greater than expenses. If not, make adjustments and reduce unnecessary expenses.

Maintaining a budget

  1. Keep accurate records and monitor income and expenses on a regular basis.
  2. Set realistic goals and make adjustments gradually to achieve budget objectives.
  3. Track your monthly results so you’re working toward financial health over the course of the year.

Benefits of a budget: short & long-term

  1. A budget focuses you on your financial status and guides you toward needed changes.
  2. A budget shows you exactly where expenses may be too high.
  3. A budget lets you build up your savings and be prepared for emergencies.
  4. A budget provides a sense of financial awareness and control.