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Healthy Financial Habits

Wells Fargo's eight Healthy Financial Habits provide a set of easy-to-follow guidelines, along with simple steps on how to get started on your journey to better financial health.

Pay yourself first

Set aside some income for savings — about 5 – 10%.

Start turning savings into a habit

Track your spending

Make sure you know where your money is going every month.

Start tracking everyday expenses

Create a safety net

Build up emergency savings to cover 3 – 6 months’ worth of expenses.

Start your emergency savings fund

Pay down high-interest-rate debt

Spend less on interest by paying down the debt that costs you the most.

Start taking steps to manage debt

Pay on time, every time

Improve and maintain your credit score by paying your bills on time.

Start paying your bills on time

Know where your credit stands

Check your credit report annually to make sure it’s accurate.

Start checking your credit report

Review your insurance annually

Protect what counts by checking your insurance coverage every year.

Start protecting what counts

Save for retirement

Save early to benefit from compounding interest.

Start planning now for more money later

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