FDIC Ribbon
FDIC Ribbon

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC Ribbon
FDIC Ribbon

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Our branches will be closed on Tuesday, November 11, in observance of Veterans Day.

Note: This interactive calculator is intended as an educational tool but not as investment advice. The information presented isn’t designed to advise you of strategies which are applicable to your specific situation but rather to highlight issues for your consideration. Therefore, you should always consult your financial or tax advisor. Your own goals will help you to develop a specific financial strategy.

Rework Your Budget FAQs

• Income sources: Salary, bonuses, side hustles, investment income (use after-tax amounts)

• Fixed expenses: Rent/mortgage, insurance, loan payments, subscriptions

• Variable expenses: Groceries, utilities, gas, entertainment, dining out

• Savings goals: Emergency fund, retirement, vacation, major purchases

 • Debt payments: Minimum payments plus any extra toward high-interest debt

• Weekly check-ins: Track spending and stay on course throughout the month

• Monthly reviews: Compare actual spending to budgeted amounts and adjust • Quarterly updates: Reassess goals and make seasonal adjustments

• Life changes: Update immediately after job changes, moves, or major life events

• Annual planning: Set new financial goals and adjust budget categories

• Overspending patterns: Consistently exceeding budget in specific categories

• No emergency savings: Living paycheck to paycheck without a financial cushion

• High debt-to-income ratio: More than 36% of income going to debt payments

• Lifestyle inflation: Expenses growing faster than income increases

• Neglecting savings: Not setting aside money for retirement or future goals

  • First National Bank of Omaha Logo

    More than 165 years of putting customers first.

    • Legal Information

    • Modify Privacy Options

© 2025 First National Bank of Omaha (FNBO). All Rights Reserved. 1601 Dodge Street, Omaha Nebraska, 68197

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

NMLS 412727

Only deposit products are FDIC insured.

 Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE