Our lobbies will be closed Monday, May 26 for Memorial Day. For 24/7 access with online banking click here>

Don’t click on links or provide personal information in texts claiming to be from Altana. The most recent scam claims to be a transaction from CVS or F-NOVA stores. Learn more about how to protect yourself here.

We’ll get you rolling in a new set of wheels. Apply Here >

Kids & Teens: Power up your savings to be entered to win fun prizes in April & May! Explore Contest Details>

Learn the strategies to keep your debit card safe from fraud. Get the tips >

  • Routing#: 292977666
  • Connect
    • Contact Us
    • Locations
    • About Us
    • Careers
    • Donation Requests
  • Blog
Altana Federal Credit Union
  • Save
    • Savings Accounts
    • Money Market
    • Certificates & IRAs
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Spend
    • Checking
    • Debit Cards
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Borrow
    • Auto | Boat | RV
    • Lifestyle
    • Home
    • Credit Cards
    • ASAP Loans
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Student
    • Cubby Accounts
    • FYI Checking
    • Scholarship Program
    • Scholarship Application
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Business
    • Business Checking
    • Business Loans
    • Business Real Estate
    • Ag
    • Explore
    • Join Us
    • Digital Banking
    • Rates
Let's Meet Login
Online Banking
  • Forgot?
  • Enroll
  • Connect
    • Contact Us
    • Locations
    • About Us
    • Careers
    • Donation Requests
  • Blog
  • Routing#: 292977666
  • Save
    • Savings Accounts
    • Money Market
    • Certificates & IRAs
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Spend
    • Checking
    • Debit Cards
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Borrow
    • Auto | Boat | RV
    • Lifestyle
    • Home
    • Credit Cards
    • ASAP Loans
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Student
    • Cubby Accounts
    • FYI Checking
    • Scholarship Program
    • Scholarship Application
    • Explore
    • Join Us
    • Digital Banking
    • Rates
  • Business
    • Business Checking
    • Business Loans
    • Business Real Estate
    • Ag
    • Explore
    • Join Us
    • Digital Banking
    • Rates
Let's Meet
Login
Jan 03, 2020

Micro Money Goals

2020 is here, and it’s all about micro-goals. Micro-goals are your long-term goals broken down into everyday mini-goals or mini-milestones. No win is too small – and we’re excited to celebrate them with you!

These may be micro-goals we’re talking about, but they make a BIG impact in the long run:

 

Sticking to a budget is tough, especially if you haven’t found your best method. It does require discipline. If you’re struggling to stick to your financial resolutions, your first micro-goal is to find an accountability partner. This person should be someone you trust and are comfortable talking details and some possible not-so-fun-to-hear advice. Schedule a monthly meeting with that person to ensure that you’re both tracking toward your business goals.

Life throws a lot of curveballs your way. Some planned (babies or moving into a new house), some unplanned (car breakdown or natural disaster). While it’s daunting to think about the future, preparing for those curveballs is manageable! An emergency fund is essential to any financial strategy to safeguard you from the unknown.

A typical emergency fund consists of three months to a year’s worth of expenses – put away for one of those life events. However, to build it, don’t worry about how much you’re putting away. Even $5.00 is five more than you had before to cover you in an emergency. As you start the year, your second micro-goal is to commit to putting aside an amount you can handle toward your emergency fund. Is this something you can commit to doing once a month, every two weeks, or even every week?

The key is to remain persistent. We forget that even baby steps move us forward!

If you’re looking for support to get started, your credit union is an incredible partner for resources and aid to achieve those financial goals. Credit unions provide a ton of tools just for you, from low-interest loans and high-interest savings accounts to financial counseling and investment advice.

Not a credit union member? Then, your third micro-goal is easy: become a credit union member as soon as possible! Stop into any one of our branch locations nearest you to make 2020 the year you meet all your financial goals. Or, give us a call at 406-651-2328 to learn more!

Posts by Category

  • All Posts
  • Be a Brainiac Borrower (32)
  • Be a Budget Boss (37)
  • Be a Savvy Spender (47)
  • Be a Superstar Saver (46)
  • Events (9)
  • News (11)
  • Uncategorized (1)

Posts by Date

  • January 2025 (1)
  • November 2024 (1)
  • August 2024 (3)
  • June 2024 (4)
  • May 2024 (2)
  • April 2024 (3)
  • March 2024 (1)
  • February 2024 (2)
  • January 2024 (3)
  • December 2023 (1)
  • November 2023 (2)
  • April 2023 (1)
  • March 2023 (1)
  • February 2023 (1)
  • January 2023 (3)
  • July 2022 (2)
  • May 2022 (1)
  • January 2022 (2)
  • July 2021 (1)
  • June 2021 (1)
  • May 2021 (1)
  • April 2021 (5)
  • March 2021 (2)
  • February 2021 (3)
  • January 2021 (5)
  • November 2020 (2)
  • October 2020 (2)
  • September 2020 (2)
  • August 2020 (4)
  • July 2020 (1)
  • June 2020 (2)
  • May 2020 (2)
  • April 2020 (4)
  • March 2020 (1)
  • February 2020 (4)
  • January 2020 (2)
  • August 2019 (1)
  • July 2019 (1)
  • June 2019 (3)
  • May 2019 (5)
  • December 2018 (1)
  • May 2018 (1)
  • February 2018 (1)
  • September 2017 (1)

Posts by Tag

altana altana fcu awareness banking budget buying checking account costs credit credit card credit union debt fun greenpath hacks help home how to loan Money montana payments protect purchase rewards save savings support time tips
see what we’ve been up to @altana_fcu
Our Bingo for Life Night on May 9 was such a fun a Our Bingo for Life Night on May 9 was such a fun and meaningful evening, and we couldn't have done it without all of you! Thanks to your generosity, we raised $2,753 for Relay For Life. 💚💜⁠
⁠
A big thank you to the local businesses and individuals who donated prizes, food, and support:⁠
⁠
Bonnie's Xcel 2Go Teas⁠
Beaver Creek Perk⁠
Gram's Ice Cream and Candy Shoppe⁠
Mountain Meadow Massage⁠
Cottonwood Cinema 4⁠
Dyllan's Pizza⁠
Char's Family Dining⁠
Tastefully Simple – Debbie⁠
Pampered Chef – Bobbie⁠
Northern Home Essentials⁠
Sysco⁠
Mike Kellam⁠
⁠
And most of all, thank you to Brandy Kurtz and the Havre Elks Lodge #1201. Your support made this night happen, and we're so grateful!⁠
⁠
This is what community looks like. Thanks for showing up and helping us make a difference in the fight against cancer!
With just two weeks to go until our Havre Bingo fo With just two weeks to go until our Havre Bingo for Life event, we're reminiscing on all the fun we had at Bingo for Life in Billings! 💜💚⁠
.⁠
Thanks to our incredible community, we raised nearly $1,800 for Relay for Life of Montana. We're so grateful to everyone who came out, played, and supported such an important cause.⁠
.⁠
We can't wait to do it again in Havre on May 9 at the Elks Lodge! Check out the details and RSVP at the link in our bio. See you soon!
Big thanks to Valley Credit Union for rallying the Big thanks to Valley Credit Union for rallying the crew this morning! We had a blast teaming up with them and the rest of our friends at Billings Federal Credit Union and Black Hills Federal Credit Union for the Reality Fair at Senior High. It's always a good time when we get to help students explore real-world financial decisions! ⁠
.⁠
#GoBroncs
We're celebrating big wins at #MPRD25 in Austin, T We're celebrating big wins at #MPRD25 in Austin, TX! Altana is honored to bring home three Diamond Awards, recognizing the creativity, dedication, and rich history of our team. ⁠
.⁠
A huge congratulations to all the Montana winners and the credit unions across the country pushing innovation forward! Together, we're shaping the future of financial services with a people-first approach. ⁠
.⁠
Check out the full list of winners at the link in our bio!🔗
We're renovating! 🛠️⁠ .⁠ Our Downtown Bil We're renovating! 🛠️⁠
.⁠
Our Downtown Billings branch is under construction, and we appreciate your patience while we work to complete the project. ⁠
.⁠
If you'd rather avoid the noise, we're always happy to service you at our next closest branches! Thanks for your understanding!⁠
.⁠
https://altanafcu.org/branches-atms/
🍀Happy St. Patrick's Day! We had a blast strutt 🍀Happy St. Patrick's Day! We had a blast strutting our stuff in the downtown parade with the American Cancer Society!⁠
.⁠
Feeling proud and pumped to kick off another year of fundraising for Relay for Life. Here's to making a difference together! 💚💜
Altana Federal Credit Union

1-800-221-7555

406-651-AFCU

Find a Location

Convenience

  • Open an Account
  • Careers
  • Donation Requests

Support

  • Financial Wellness
  • Calculators
  • Fraud & Security
  • Privacy Policy

Let's Be Friends

  • facebook-f
  • instagram
  • linkedin
  • tiktok

Get Our App

Equal Housing Lender

Federally Insured by the NCUA. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

NMLS# 417013

Routing# 292977666

©2025 Altana Federal Credit Union. All rights reserved. Website by Zee Creative