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

When cash is short:

prioritizing bills and

spending

Module 10: Managing cash flow—Is the client able to make ends meet each month?

Cash flow budget

Cash flow calendar

Improving cash flow
checklist

Module 11: Dealing with debt—Is the client able to manage his or her debts?

Debt management
worksheet

Debt-to-income worksheet

Debt reduction strategies

worksheet

Module 12: Understanding credit reports and scores—Has the client ever reviewed his or her credit
report?

Getting your credit reports

and scores

Credit report review

checklist

Improving credit reports
and scores

Module 13: Evaluating financial service providers, products, and services—Has the client considered
using different financial products or services to manage income and pay expenses?

Selecting financial
products and providers

Evaluating financial
service providers