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Financial Forms, Statements & Templates in "10 Steps to Conquer Debt":
» DOWNLOADFinancial Records File Label Template Organization of your finances is a critical step in reducing the amount of stress you are experiencing. Use our financial records file label template to carefully organize your personal finances. This tool provides you with a clear plan to organize your financial records.
» DOWNLOADPersonal Financial Statement This free Personal Financial Statement form allows you accurately assess your present financial condition and also to keep track of your most important financial information - all on a single page document.
» DOWNLOADDaily Cash Flow Statement Using our Daily Cash Flow Tool, you'll never again be surprised to learn that a bill is due before the next paycheck is received. Understanding how your money flows from day-to-day is essential to being a responsible money manager.
» DOWNLOADPersonal Monthly Budget Template Establish a budget plan to attack your debt one credit card at a time. Track your progress with our free personal budget spreadsheet. Discover how quickly the process of debt reduction can occur once you have a plan that is clear and achievable.
» DOWNLOADCash Envelope System Template While you may not even blink when swiping a credit card, you tend to feel the pain when handing over cold hard CASH. Use this force to your advantage. Create a simple cash budget envelope system! Debt relief occurs more quickly when you stick to using cash.
Getting Started – Managing Money:
» DOWNLOADThere’s A Lot To Learn About Money! You can take charge of your financial future and be on your way to debt free living. No matter who you are make informed decisions about how you handle your money. Provided by the Federal Reserve System.
» DOWNLOADBuilding Wealth A beginners guide to securing your financial future. Budget to save; save and invest; control debt and build wealth. Debt free living is yours. Provided by the Federal Reserve Bank of Dallas.
» DOWNLOADTake Control Of Your Finances A special guide for young adults seeking debt free living. A “to do” list and key strategies for your financial life. Provided by the Federal Deposit Insurance Company (FDIC).
Career Advancement:
» DOWNLOADApprenticeships! Career training, credentials, and a paycheck in your pocket. The 25 most popular occupations that you can apprentice. Officially recognized by the U.S. Dept. of Labor, Bureau of Apprenticeship and Training.
» DOWNLOADGetting Back To Work: Returning To The Labor Force After An Absence Get ready for re-entry. Get set for the workforce but be prepared to take the lead. Strategies for job seekers who either have too much or too little experience. Courtesy of Occupational Outlook Quarterly
» DOWNLOADInterviewing For Employment Seizing the opportunity and the job. It’s showtime! Make your last word a great one. So many companies, so little time. Courtesy of Occupational Outlook Quarterly
» DOWNLOADHigh Earning Workers Who Don’t Have A Bachelors Degree Many workers who do not possess a college education, earn more than the average college graduate. But earnings are only one measure of what makes a good occupation. High wage earners develop certain skills.
Manage & Saving Money:
» DOWNLOADSavings Fitness A guide to your money and financial future. Get fit financially in order to enjoy debt free living. Created by the U.S. Department of Labor.
» DOWNLOAD66 Ways To Save Money! From utilities to housing to savings and investments, these ideas will save you money in support of your goal to experience debt free living. Created by the Consumer Literacy Consortium.
» DOWNLOADSave When Buying A New Car A new car is second only to your home as the most expensive purchase you make. Don’t let a car get in the way of debt free living. Provided by the Federal Trade Commission.
» DOWNLOADFinancial Readiness: In Times Of Crisis Know how to handle your finances in the wake of an emergency or weather disaster. Provided by the Federal Trade Commission.
» DOWNLOADYour Home Inventory Use this tool to take a complete inventory of your home. This is sure to save you greatly in the event of a fire or weather disaster. Be prepared and keep this inventory in a safe place away from your home. Provided by the Insurance Information Institute.
Retirement & Money:
» DOWNLOADFiscal Fitness For Older Americans Stretching your savings and shaping up your financial strategies to ensure debt free living in your later years. Created by the FDIC.
» DOWNLOADMoney Matters In Retirement (Large file – may take several minutes to download.) Your guide for financial security. Provided by AARP
Students/Teens & Money:
» DOWNLOADStart Smart: Money Management For Teens How to save, spend and protect your cash. Debt free living is very realistic when teens start out with good money habits. Provided by the Federal Deposit Insurance Company (FDIC).
Bankruptcy:
» DOWNLOADBankruptcy – Facts You Must Know What you must know before you file for personal bankruptcy. Information about credit counseling and debtor education. Created by the FTC, in partnership with the Dept. of Justice.
Credit:
» DOWNLOADCredit Matters Qualifying for credit, establishing a good credit history and how to maintain your credit. Created by American Express, in partnership with the Consumer Information Center, assisted by the FTC.
» DOWNLOADHow To Establish, Use and Protect Your Credit What the lenders are looking for and their common reasons for denying credit. Provided by the Federal Reserve Bank of San Fransisco.
» DOWNLOADFair Debt Collection Who is a debt collector? How may they contact you? What are your rights under the law? What type of contact is prohibited? Provided by the Federal Trade Commission.
» DOWNLOADPutting Your Home On The Line is Risky Business Understand your credit options before you sign loan documents secured by your home. Do your homework and think twice before you sign. Provided by the Dept. of Housing and Urban Development.
» DOWNLOADYour Credit Rights Know your rights under the Fair Credit Reporting Act; Equal Credit Opportunity Act; Fair Credit Billing Act and the Fair Debt Collection Practices Act. Provided by the Federal Reserve Board of San Fransisco.
Creditcards:
» DOWNLOADCredit & Charge Cards What consumers should know about the cost and terms of credit. Provided by the Federal Reserve Board of San Fransisco.
Credit Report & FICO Score:
» DOWNLOADBuilding A Better Credit Report Explains your rights, tells how to legally improve your credit, offers tips on dealing with debt, cautions about credit-related scams and how to avoid them, plus provides other resources. Provided by the Federal Trade Commission.
» DOWNLOADYour Credit Report What your credit report says about you. What type of information is provided on your report, and where do the major three credit reporting agencies get their information? Provided by the Federal Reserve Bank.
» DOWNLOADWant A Free Annual Credit Report? Discover the only OFFICAL website that is recommended by the FTC for getting your free annual credit report. Provided by the Federal Trade Commission.
» DOWNLOADCredit Repair: Self-Help May Be Best The warning signs; the scam; the truth. Empower yourself through education. Know your rights under the Credit Repair Organizations Act. Provided by the Federal Trade Commission.
» DOWNLOADWhy Healthy Credit Is Important? Have you ever wondered about credit reports, credit scores, and how to protect your personal information? Provided by the AARP
» DOWNLOADYour Credit Scores Learn the five parts that make up your FICO credit score. Know your score and understand what is a good score. Provided by the Consumer Federation of American and the Fair Isaac Corporation.
Debt Management:
» DOWNLOADChoosing A Debt Counselor Questions to ask a prospective debt management counselor. Determine if a DMP is right for you. Is this what you need to obtain debt free living? Provided by the Federal Trade Commission.
» DOWNLOADKnee Deep In Debt? What to do now Damage control is important the minute you realize you have a debt problem. Learn about budgeting; contacting creditors; dealing with debt collectors; credit counseling and debt management planning. Provided by the Federal Trade Commission.
» DOWNLOADA Must Do List For People On A Debt Management Plan Know the questions to ask a potential debt management counselor and understand the qualification they should have. Discuss fees upfront and get it in writing. What to do if your DMP organization goes out of business? You may decide you can do this yourself. Provided by the Federal Trade Commission.
I.D. Theft & Scams:
» DOWNLOADIdentify Theft How identify theft can impact your life. How do you protect yourself? What to do if you are victim. Organization that can help you work through this ordeal. Provided by the Federal Reserve Bank Of Boston.
» DOWNLOADTake Charge: Fighting Back Against ID Theft Deter, detect and defend yourself. Learn how to avoid ID Theft. See how thieves obtain your personal information. Provided by the Federal Trade Commission.
» DOWNLOADID Theft & Your Social Security Number Don’t make it easy for someone to steal your SSN. What to do if your SSM is compromised and how to obtain a new one. Provided by the Social Security Administration.
» DOWNLOADPreventing ID Theft A special guide for consumers. Few crimes have made more people more anxious that the recent onslaught of I.D. Theft. Provided by the National Crime Prevention Counsel.
» DOWNLOADID Theft: What’s It All About? How can you tell if you’ve become a recent victim of I.D. Theft? What to do, who to call and how to prevent. Provided by the Bureau Of Consumer Protection in partnership with the FTC.
» DOWNLOADFrauds & Scams Protect yourself and your money to ensure debt free living. Avoid fraud on the phone, or at your door, or through your mailbox. Provided by the Federal Reserve Bank.
» DOWNLOADOnline Business Scams Many online business opportunities are scams that cannot possibly deliver what they promise the consumer. Proceed with extreme caution. Provided by the Federal Trade Commission.
» DOWNLOADPlastic Fraud Protect your debt free living goals. Get a handle on credit and debt cards. Learn how to protect your cards from being stolen and know how to detect fraudulent cards. Provided by the Federal Reserve Bank of San Fransisco.
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