Financial Education:
Guides and Downloads

Guides & Downloads-min

Financial Education Guides

Road Map to Financial Freedom

Using credit wisely can unlock financial freedom. This guide helps you avoid pitfalls, improve your credit score, and manage debt. You’ll be surprised how empowering smart credit management can feel.

Surviving the Holidays

Holiday spending doesn’t have to bring stress. Learn how to budget for gifts, travel, and celebrations without worry. Enjoy the season without financial strain, plan now and make this your best holiday yet.

Understanding & Overcoming a Loan Denial

A loan denial can feel like a setback, but it’s an opportunity to improve. Learn why it happened and how to strengthen your next application. Persistence is key, you’re closer to approval than you realize.

Basics of Financial Planning

Planning for your financial future doesn’t have to be overwhelming. With tips on budgeting, saving, and investing, you’ll feel confident and in control. It’s about securing what matters, why not take action today?

The Wise Use of Credit

Using credit wisely can unlock financial freedom. This guide helps you avoid pitfalls, improve your credit score, and manage debt. You’ll be surprised how empowering smart credit management can feel.

Deals for Wheels

Buying a car doesn’t have to be stressful. This guide helps you navigate financing and negotiations to get the best deal. You deserve a smooth car-buying experience, let’s drive toward that goal together.

Preserving Homeownership and Foreclosure Prevention

This guide will show you what options are available if your mortgage becomes delinquent, you are facing foreclosure, or you are facing a mortgage interest reset which you can no longer afford.

Couples and Money

Money talks don’t need to lead to conflict. This guide helps you and your partner align on financial goals and avoid common problems. Imagine achieving your dreams together, start those conversations today.

Understanding Your Credit Reports and Scores

Confused by your credit report? You’re not alone. This guide breaks it down, helping you spot errors and improve your score. Understanding your credit opens doors to better opportunities, let’s unlock them together.

Consumer Guide to Good Credit

Good credit opens up financial opportunities. This guide shows you how to manage credit responsibly and improve your score. Give yourself more options, let’s boost your credit together starting now.

Budget 911

Financial emergencies can feel overwhelming, but a smart plan can help you stay calm. This guide offers tips to prioritize expenses and avoid disaster. Let’s work together to bring your finances back on track.

Budget 101

Budgeting can be simple and stress-free. This guide helps you create a plan that fits your life and keeps you on track. It’s about control over your future, start making your budget work for you today.

Power of Paycheck Planning

Make your paycheck work harder for you. Learn how to save more, spend wisely, and reach your goals faster. With just a few tweaks, you’ll feel more in control of your money and your future. Let’s get started today.

Guide To Achieving Homeownership

Learn about mortgage basics, credit score improvement, down payment strategies, and navigating the buying process. Gain insights on selecting the right property and avoiding common pitfalls. Download now to turn your homeownership dreams into reality.

Surviving a Job Loss or Other Loss of Income

Losing a job is tough, but it doesn’t have to define your financial future. This guide gives you real steps to stay afloat and rebuild. You’ve got the strength to come out stronger, start taking control today.

Identity Theft Prevention

Protecting your identity doesn’t have to be hard. This guide provides easy steps to keep personal data safe. In today’s world, security is peace of mind, take action today and protect what matters most to you.

Raising a Money Smart Child

Teaching kids about money sets them up for life. This guide helps you pass on valuable skills to your children. Empower them with the knowledge to make smart financial choices, start their education today.

Predatory Lending

Predatory loans can feel like a trap, but you can avoid them. Learn how to spot and stay clear of high-interest loans. Protect yourself from setbacks and make smarter decisions for your future starting today.

Holiday on a Budget

The holidays can be joyful, even on a budget. Learn how to stretch your money without cutting back on the fun. Plan ahead and celebrate without stress, start planning your holiday budget today.

Essential Couponing

Saving money doesn’t have to be hard. Use these couponing tips to keep more cash in your pocket without spending hours cutting coupons. A few small changes can make a big difference, let’s start saving today.
Ready to Achieve Financial Freedom?

Financial Worksheets

Estimated Financial Worksheet

Once you’ve calculated your income, expenses, and debts, you’re ready to propose your first detailed budget. This worksheet will help you lay out how your monthly spending should look.

Debt Journal

This worksheet will help you dive deeper into your debts and help you calculate exactly what your debts are costing you monthly as you set out to create a working budget.

Financial Allocation Breakdown

Keep things simple when managing your finances. The 50/30/20 budget separates your budget into 3 broad categories to keep your spending on track.
Regular tracking is critically important to having a successful budget. This sheet will help you keep track of every transaction going in and out of your bank account, and give you the detailed information you need to make your budget effective.
Start your journey to better personal finances with an assessment of where you stand. Use this form to calculate your assets and liabilities to establish your current net worth.