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Budget Templates
A budget is a plan of action. The following tools allow you to track your income and expenses so that you can see how much you are spending and give every dollar a job.
If you use Microsoft Office products, you can download the files in Excel. You can also open them in Google Sheets (view only). In order to use the Google Sheet, select “Make a copy” under “File,” and it will save a unique version of the budget template in your Google account.
Personal Budget:
Family Monthly Budget:
College Budget:
Credit Scores
You can check your credit score for free at the following websites:
Learn more about your credit score from the Consumer Financial Protection Bureau.
Debt Reduction
If you need help getting rid of debt, it’s recommended that you seek credit counseling from an approved agency. Not all debt-relief services may be advantageous, and some may be fraudulent. The Federal Trade Commission and the Consumer Financial Protection Bureau both provide guidelines on how to find a trusted agency, and the Department of Justice lists approved agencies on their website (search by state and district).
InCharge Debt Solutions is a non-profit debt consolidation company listed on the approved credit counseling agencies. In this blog post, InCharge shares about three debt consolidation methods: non-profit debt consolidation, debt consolidation loans and debt settlement. It also has financial information and resources specifically for African Americans.
USC Credit Union – Financial Education
USC Credit Union provides information money basics, including savings and investing, preventing elder fraud, planning and managing retirement, paying for college and buying a home. Use their “Financial Focu$” resource to access personalized learning according to your needs.
First Citizens Bank sponsors financial empowerment programs conducted by the USC Center for Religion and Civic Culture. Explore “Insights” on their website for advice on personal, small business and commercial finance, plus wealth management.
