Skip to main content

Your Money, Your Goals toolkit

The toolkit has information that helps you have money conversations with the people you serve. Use the tools to help achieve goals and work through challenges.

You can use the toolkit to help people:

  • Make spending decisions that can help them reach their goals
  • Order and fix credit reports
  • Make decisions about repaying debts and taking on new debt
  • Keep track of their income and bills
  • And much more!

Access the full toolkit

The toolkit includes: 

  • 43 tools and handouts
  • Easy-to-follow directions so you can use tools confidently
  • Recommendations on which tools to use based on the situation and time available

Order a printed copy

Printed copies of the toolkit are available free of cost in English (Updated Sept. 2018) and Spanish (Updated Dec. 2016).

Download the toolkit

English (Updated June 2020) 

Spanish (Updated Dec. 2016) 

Chinese (Updated Dec. 2016) 

Access training resources

Train staff or volunteers to use the Your Money, Your Goals toolkit and measure the results of your trainings.

Download individual tools and handouts

The 43 tools and handouts from the full toolkit are now available as individual, fillable pdfs. Find resources below to help meet the needs of each person you're working with. 

Starting the Money Conversation

Description

Action

Financial empowerment self-assessment

Download tool

My money picture

Download tool

Setting Goals

Description

Action

Setting SMART goals

Download tool

Putting goals into action

Download tool

Planning for life events and large purchases

Download tool

Revising goals

Download handout

Saving

Description

Action

Savings plan

Download tool

Saving and asset limits

Download tool

Finding a place for savings

Download tool

Saving at tax time

Download handout

Tracking Income and Benefits

Description

Action

Income and benefits tracker

Download tool

Choosing how to get paid

Download tool

Increasing income and benefits

Download tool

Paying Bills

Description

Action

Spending tracker

Download tool

Bill calendar

Download tool

Choosing how to pay bills

Download tool

Cutting expenses

Download tool

Prioritizing bills

Download tool

Getting through the Month

Description

Action

Creating a cash flow budget

Download tool

Improving cash flow

Download tool

Adjusting your cash flow

Download tool

Dealing with Debt

Description

Action

Debt log

Download tool

Debt-to-income calculator

Download tool

Debt action plan

Download tool

Comparing auto loans

Download tool

Repaying student loans

Download tool

When debt collectors call

Download tool

Avoiding medical debt

Download handout

Understanding Credit Reports and Scores

Description

Action

Requesting your free credit reports

Download tool

Reviewing your credit reports

Download tool

Disputing errors on your credit reports

Download handout

Getting and keeping a good credit history

Download tool

Choosing Financial Products and Services

Description

Action

Finding financial products and services

Download tool

Comparing financial service providers

Download tool

Opening a checking or savings account

Download tool

Avoiding checking account fees

Download tool

Evaluating your prepaid or payroll card

Download tool

Knowing your prepaid card rights

Download handout

Sending money abroad

Download handout

Protecting your Money

Description

Action

Protecting your identity

Download handout

How to handle identity theft

Download handout

Spotting red flags

Download handout

Submitting a complaint

Download handout