--- title: "Money Smart: Your Spending and Saving Plan (Module 4)" description: The focus of Module 4 of the FDIC Money Smart training program is how to develop a spending plan, and how to prioritize spending when money is short. image: https://resources.salaryfinance.com/hubfs/Artboard%201%20copy%2026@2x-100.jpg --- [![](https://resources.salaryfinance.com/hs-fs/hubfs/Artboard%2015-8-1.png?width=242&height=86&name=Artboard%2015-8-1.png)](https://resources.salaryfinance.com/learn) [![GET YOUR FINANCIAL FITNESS SCORE](https://no-cache.hubspot.com/cta/default/3404115/3a16640c-167d-48c4-8af1-80d801726ad5.png)](https://cta-redirect.hubspot.com/cta/redirect/3404115/3a16640c-167d-48c4-8af1-80d801726ad5) ![Working in a cafe](https://resources.salaryfinance.com/hubfs/Working%20in%20a%20cafe.jpg "Working in a cafe") # Be better with money ##### Check your eligibility and apply for a Salary Finance employee loan #### [![APPLY →](https://no-cache.hubspot.com/cta/default/3404115/e00df437-dc82-4854-8096-c03f1bfafc41.png)](https://cta-redirect.hubspot.com/cta/redirect/3404115/e00df437-dc82-4854-8096-c03f1bfafc41) - Filter By Topic ** # Money Smart: Your Spending and Saving Plan (Module 4) ![](https://resources.salaryfinance.com/hubfs/Artboard%201%20copy%2026@2x-100.jpg) ## Share ** [mailto:?body=https://resources.salaryfinance.com/learn/money-smart-your-spending-and-saving-plan-module-4](mailto:?body=https://resources.salaryfinance.com/learn/money-smart-your-spending-and-saving-plan-module-4) ![FDIC](https://resources.salaryfinance.com/hubfs/FDIC%20logo.png) By [FDIC](https://resources.salaryfinance.com/learn/author/fdic) 1 minute read *The **FDIC Money Smart** curriculum consists of 14 modules of financial education content. By completing these modules, you'll come away with practical knowledge, new skills, and resources you can use to manage your finances with confidence! [See the full list of modules here.](https://resources.salaryfinance.com/learn/fdic-money-smart-intro)*   ### **Click below to start this module (will automatically download the PDF guide to your local file system) ** [![Begin Module 4: Your Spending and Saving Plan](https://no-cache.hubspot.com/cta/default/3404115/747737ec-5764-4e21-b49b-1ca21d8e2200.png)](https://cta-redirect.hubspot.com/cta/redirect/3404115/747737ec-5764-4e21-b49b-1ca21d8e2200) The focus of Module 4 is how to develop a spending and saving plan, and how to prioritize spending when money is short. It consists of two sections: > - **Section 1: Making a Monthly Spending and Saving Plan** > - Building Blocks of a Spending and Saving Plan > - Increasing Income > - Decreasing Expenses > - Making Adjustments > - **Section 2: When Money is Short** > - How Does It Happen and What Can I Do > - Prioritizing Based on What Might Happen ##### Finished Module 4? [Click here to access Module 5](https://resources.salaryfinance.com/learn/money-smart-your-savings-module-5), which is about saving money for expenses, goals, and emergencies. ### Related resources: ### Get notified when we add new resources ## Get notified when we add new resources Subscribe to updates   ### Stay up to date ### About Salary Finance Learn Learn how to be better with money. Our easy-to-read guides, useful tools, and helpful resources from partners like United Way can help you move from debt to saving. ### Browse by Financial Fitness Score - [Score 1](https://resources.salaryfinance.com/learn/tag/score-1) - [Score 2](https://resources.salaryfinance.com/learn/tag/score-2) - [Score 3](https://resources.salaryfinance.com/learn/tag/score-3) - [Score 4](https://resources.salaryfinance.com/learn/tag/score-4) - [Score 5](https://resources.salaryfinance.com/learn/tag/score-5) [![New call-to-action](https://no-cache.hubspot.com/cta/default/3404115/1d01f8ed-407d-4b75-8645-3a977fba4ff9.png)](https://cta-redirect.hubspot.com/cta/redirect/3404115/1d01f8ed-407d-4b75-8645-3a977fba4ff9) ### Popular resources ### Recent posts [![Artboard 192 copy 3](https://resources.salaryfinance.com/hs-fs/hubfs/Artboard%20192%20copy%203.png?width=235&height=123&name=Artboard%20192%20copy%203.png "Artboard 192 copy 3")](https://resources.salaryfinance.com/learn) Copyright © 2022. All Rights Reserved. [![Share on linkedin](https://static.hsappstatic.net/cms-default-modules/static-1.92/img/linkedin-color.png) ](https://www.linkedin.com/company/salaryfinance/) [![Share on twitter](https://static.hsappstatic.net/cms-default-modules/static-1.92/img/twitter-color.png) ](https://twitter.com/salaryfin) **