... of Wants: Managing Your Money 37309_Text_AA2:0117 4/9/08 6:37 AM Page ▲ How to Make a Spending Plan To establish and maintain a good credit record and to demonstrate your ability to manage and ... 6:37 AM Page 25 ▲ Additional Banking Services ATM An ATM, or automated teller machine, is a machine you can use 24 hours a day to make deposits, withdrawals, and transfer money Unlike a check cashing ... which goals are most important and assign each goal a priority, based upon your values Finally, look carefully to see if your goals and assigned priorities reflect what is important to you and your...