Your Money, Your Goals - A financial empowerment toolkit for social services programs.

Tool 1: Spending tracker Spending Money you use to pay for a wide range of basic needs, your financial obligations, and other th ...

together to get a total spending for the week. You can track your spending for one week, two weeks, or an entire month. Notice t ...

Entertainment Going to the movies, concerts, or sporting events; sports equipment/fees, lottery tickets, memberships, alcohol, b ...

Analyze your spending: Week for the month of ____ On this worksheet, enter each amount from your receipts into it s matching ca ...

Review your spending for the week or month. Which items cannot be cut or reduced? List these in the chart below. When you make y ...

Once you have tracked your spending, be sure to add it into your budget or cash flow budget. For more information on cash flow b ...

(^) (^) Tool 2: Bill calendar Bills are a fact of life and—while they are not fun to pay—most bills are at least predictable. Fi ...

(^) Here is a sample week to show you how the tool works: Sun. Mon. Tues. Wed. Thurs. Fri. Sat. End of Week 1 2 3 4 5 6 7 Bills: ...

(^) (^) (^) (^) (^) __, 20__ Sun. Mon. Tues. Wed. Thurs. Fri. Sat. End of Week Bills: Bills: Bills: Bills: Bills: Bills: Bills: ...

This Tool may ask you to provide sensitive personal and financial information. The CFPB does not collect any information from yo ...

Tool 3: Strategies for cutting expenses If you do not have enough money or financial resources to pay your bills and expenses, y ...

Cell phone plan Review prepaid or fixed-price call plans. Check if you qualify for a “Lifeline” phone rate. Insurance Review ins ...

Review financial services. Could you switch to a no-fee or lower-fee account? Are you paying to cash your checks? Are you paying ...

Use coupons. Buy second hand furniture or clothing if you need to replace either. Do not buy or rent DVDs or CDs. Visit your loc ...

Tool 4: When cash is short— prioritizing bills and spending Even when you increase sources of income or cut spending, you may st ...

(^) Protect your income Protect your shelter Protect your assets Pay your obligations If you need a car to get to and from work, ...

Resources For MyMoney.gov budgeting resources, visit: http://www.mymoney.gov/Fast/Pages/Results.aspx?k=Budgeting%20worksheets&am ...

This Tool may ask you to provide sensitive personal and financial information. The CFPB does not collect any information from yo ...

MODULE 10: Managing cash flow Cash flow and financial services Some banks and credit unions provide online financial m anagement ...

A cash flow budget is even more important for people who have irregular, seasonal, or one-time income. It can help you project a ...