The real secret to controlling your savings successfully is to know where your money is 
going. Keeping track of your spending is vital to your saving ability, we are all aware of necessary big bills to be paid weekly or monthly but it can be the everyday small spending which can play havoc on our ability to save and budget properly. Keeping track of all theses requires discipline and is not easy, which is where our Budget App comes in.
Skibbereen Credit Union's continuing commitment to providing services that are of real practical value to its members and represent a significant advance in the use of technology allow members to have direct control over their savings at their fingertips. The App can be used online or can be downloaded free to your smart-phone or tablet.
Once you are ready to enter information, you can keep tabs on all your spending under the necessary headings over a certain period of time. After a short period the app builds up an accurate profile of your spending patterns and allows you to see at a glance the strengths and weaknesses of your personal finance plans. Perhaps the amount you hoped to save monthly for the holiday is falling short, or perhaps you can see patterns of spending that you realise you can trim significantly and restore your level of savings. You can check out our online guide for more help.
Tracking your spending in this manner provides a longer view, where goals are planned for. People who adapt this approach also get a clearer picture of their habits or beliefs that they may have developed about money and may provide a much-needed wake-up call.
