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If you prefer, we can send you hardcopies of our forms. Please email your request and include the credit union or employee assistance program who referred you to our site.

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Main Worksheets
Personal Financial Assessment
(Client Worksheet)

To design the most effective plan for becoming debt free, your counselor will need to know your monthly income and living expenses as well as how much you owe to each of your creditors. Prior to the session, we suggest you complete a budget worksheet so the session can be spent analyzing your information and developing a detailed plan of action.
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Early Delinquency Intervention:
Saving Your Home from Foreclosure

Use this booklet to prepare for your Early Delinquency Intervention housing counseling session.
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Budgeting Worksheets
Money Management Planner
Download our budgeting tool to see if you're right on track or if you'll need to increase your income or decrease your expenses in order to save enough.
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How Much Mortgage Could You Qualify For?
Would you like to become a homeowner but aren’t sure of the mortgage you might qualify for? This worksheet will give you an estimate of the home loan amount that is right for you.
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Spending and Savings
How much money is coming in every month and how much is going out – and on what? This worksheet will give you a good idea of your cash flow today and help you prioritize expenses and plan for saving.
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Expense Tracking
How much did you spend on groceries last month? What about gas or entertainment? Use this form to track your weekly and monthly expenses – it will help you create a realistic savings and spending plan.
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Unsecured Debt
How much do you owe and to whom? With this form you can list all your creditors with their interest rates and payment amounts. It’s a great tool for effective debt repayment.
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Financial Goals
Deciding on financial goals is important. Complete this worksheet to know what it will take to achieve them in your desired timeframe.
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Net Worth
Do you own more than you owe – or the opposite? Complete this simple worksheet to find out! Knowing your net worth is enlightening and motivating.
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Fritter Finder
Ever wonder where all your money goes? For at least one week, track every cent you spend. At the end of the week, you'll see just where those extra dollars could be hiding. In the future, you can use funds you currently fritter away to increase savings, pay off bills or buy something special.
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Other Forms
Counseling Agreement and Privacy Policy Download PDF
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