Financial Capability Resources
The Encouraging Financial Conversations curriculum is divided into six different financial competencies.
Goal Setting
Use the Action Plan Tool to work through a plan to set your goals. The Action Planning Worksheet can help with goal setting as well.
Maximizing Income
View Dealing with a Drop in Income for advice on managing finances when experiencing a drop in income. You can print the Income Benefits Tool and Increase Income Benefits Tool for additional tips.
Spending
Budget worksheets can be valuable in helping you budget your money.
Monthly Spending Plan – One page basic budget worksheet with room to add additional expenses. This fillable form adds your expenses for you!
Monthly Spending Plan – One page basic budget worksheet with room to add additional expenses.
4 Week Money Management Plan – Breaks down income and expenses into weekly amounts. Helpful for individuals who get paid weekly or need to save across several paychecks to cover larger expenses.
Four Steps to a Monthly Spending Plan– Includes categories for income, monthly expenses, irregular expenses, and more. Best for people who love budgeting!
Additional worksheets to help people track spending and find ways to cut back.
Saving
Borrowing
Credit and Debt Handouts
Where do you start if you can’t pay bills?
Deciding which bills to pay first
Quick facts on debt collections, judgments, garnishment and repossession
Nontraditional financial products and services
