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Financial Education

Railway Credit Union’s mission is to enrich our members’ lives by providing the tools and resources to navigate life’s journey.  Make this the year you pay down debt, become a first-time homeowner, or take that big life step and retire.  We’re proud to offer free financial education services that put you on a stronger financial path. 

Navigating the world of finances can be challenging at any stage of life. Dustin Bitz, Vice President of Asset Protection is a Certified Credit Union Financial Counselor and can assist you in obtaining. your financial goals.  He has earned the credentials of Certified Credit Union Financial Counselor (CCUFC) by completing a formal program aimed at identifying consumers’ financial challenges, providing intervention, and offering assistance not typically offered by for-profit financial institutions.

He can assist you with:

  • Credit score enhancement
  • Debt management
  • Creating a monthly budget
  • Basic money management
  • Creating financial goals 
To take advantage of our financial counseling services please call Dustin Bitz at 701-877-2388 or via email at


In many ways, budgeting is the roadmap of your finances.  After all, moving in the right direction is easy, but it doesn’t necessarily get you to where you think you’re going.  It’s important to set aside enough money for bills and still save a little for that proverbial rainy day.   Start by simply tracking your monthly spending and then write up a plan and stick to it.  Remember that monthly budgets do not need to be complicated; they just need to be something you can follow as a guide.  Don’t lose sight of your goal; spend what you need, save what you can.    

Information you will need to start a simple budget.

  • Determine your income.
    • All sources of monthly income (amount of your take-home pay, or net pay)
  • Determine your expenses.
    • Track all your expenses for three months to determine where your money is going.
    • Begin to categorize your expenses into 3-5 categories, this is your choice.
      • Fixed expenses
        • Examples: rent, mortgage, auto loan payment, etc.
      • Variable expenses
        • Examples: food, clothing, entertainment, etc.
      • Unplanned expenses
        • Examples: medical costs, auto repairs, home repairs, etc. 
      •  Savings goal(s)
        • You always want to pay yourself when establishing your budget.

There is no right or wrong way to create a budget.  Just remember that a budget is your personalized spending plan that needs to work for your situation.  Find one that works for you and do your best to stick with it. 


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