Knowing how much money to keep in checking—and how much to move to savings—can be surprisingly difficult.

Recognizing that something doesn’t seem right is an important first step. The next step is even more important: Today’s scammers are skilled at making emails, text messages, phone calls, and websites look legitimate. They may use familiar company names, recognizable logos, or even phone numbers that appear to belong to a trusted business.

Successful businesses are built on relationships. You trust your employees to make good decisions. You trust vendors to deliver products and services. You trust customers to do business honestly. Those relationships allow work to move quickly and efficiently every day.

Every day, people receive text messages, emails, phone calls, and online offers that seem perfectly legitimate. Most are exactly what they appear to be. Some are not.

Whether you’re planning to buy a home, finance a vehicle, apply for a credit card, or qualify for a personal loan, your credit score will likely play an important role.

Between mortgage or rent payments, utilities, insurance, subscriptions, credit cards and savings goals, there can be a lot to remember each month.