Financial Basics

Ready to take control of your money? Take a deep breath. We’re going to help you get your footing.

The Fidelity Perspective

  • Budgeting: Spend less than you earn and prepare for emergency costs, like a medical expense or car repair.
  • Managing debt: Eliminate high-interest debt, like credit cards or private student loans.
  • Saving: Save for retirement as early as you can. Make the most of your contributions through available employer match programs.

Get a financial checkup now


It just takes five minutes to see what you're doing right with your money ... and what needs work. Answer a few simple questions, and get an action plan with next steps for where to consider putting your next dollar.

 

Budgeting your money

Tips for better budgeting

You can keep track of your money and still have a life. Learn how to slice up your paycheck to make sure you’re spending in the right areas.

Budget Checkup tool

Does your spending stack up? Use this simple tool to compare your spending (and saving) against our 50/15/5 rule of thumb.

 

Paying down debt

How to pay off debt—and save too

Balancing paying off debt and saving can be tricky. Here's a step-by-step guide to help you pay off debt.


Keep credit under control

These six credit card tips can help minimize your mistakes and maximize your benefits.

 

Beginning to save

10 top money tips

Check out money guru Jean Chatzky's top tips for simplifying financial issues you may be facing.

Alternative ways to save for retirement

Learn about tax-advantaged ways to save for your retirement when a 401(k) or other workplace plan is not available.

Fidelity resources to help you save money

Save on ATM fees

A Fidelity® Cash Management Account is an alternative to a traditional bank checking account with all ATM fees reimbursed. Plus, no monthly fees.


No 401(k)? Consider a Fidelity IRA

You don't need a 401(k) to begin saving the smart way. Fidelity IRAs allow you to build tax-advantaged savings for your retirement.

Ready to get started?