Featured Resources
First-Time Homebuyer Packet
Complete this packet before your initial counseling session. Required for HUD compliance.
Credit Dispute Guide
A step-by-step guide to disputing inaccurate credit items with the bureaus.
Spending Plan Worksheet
A simple, beginner-friendly worksheet to help you plan your monthly spending.
Credit Repair Tools
Not sure where to start with your credit?
Use these letter templates alongside a free one-on-one session with a certified counselor who can review your full credit report and build you a personalized repair plan.
Credit Dispute Letter Template
Use this template to dispute inaccurate information with Equifax, Experian, and TransUnion.
Debt Validation Letter Template
Send this letter to collection agencies to request proof of the debt.
Credit Report Review Checklist
A simple checklist to help you identify errors, duplicates, and outdated items.
Understanding Collections Guide
Learn how collections work, how they affect your score, and how to resolve them.
Budgeting & Spending Plans
See exactly where your money should go.
Use our free Budget Breakdown Calculator to split your income across needs, wants, and savings with the proven 50/30/20 rule — no spreadsheet required.
Monthly Spending Plan Worksheet
A clean, easy-to-use monthly budgeting sheet.
Zero-Based Budget Template
Give every dollar a job with this zero-based budgeting tool.
Income Tracker
Track all income sources and monthly totals.
Savings Goal Sheet
Set, track, and celebrate your savings milestones.
Homeownership Resources
First-Time Homebuyer Application Packet
Required for all first-time homebuyer counseling clients.
HUD Intake Checklist
A checklist of all documents needed for your HUD file.
Mortgage Readiness Guide
Understand credit, income, and documentation requirements for pre-approval.
Pre-Approval Document Checklist
Everything you need to gather before meeting with a lender.
Debt Management
Ready to build a payoff plan?
Use our free Debt Payoff Calculator to see exactly how long it takes to become debt-free and how much interest you can save.
Three Interactive Letter Generators — All Free
Exercise your rights under the Fair Debt Collection Practices Act. Fill in your details, print, and mail via certified post.
Debt Snowball Worksheet
Pay off debts smallest to largest with this motivational method.
Debt Avalanche Worksheet
Pay off debts fastest by targeting highest interest rates first.
Negotiation Script for Creditors
Use this script when calling creditors to request lower payments or settlements.
Settlement Offer Template
A written template for offering a settlement in writing.
Cease & Desist Contact Letter
Legally demand a collection agency stop all contact under the FDCPA. Fill in the fields and print or mail via certified post.
Worksheets & Checklists
See how long it takes to reach your savings goal.
Pair these worksheets with our free Savings Goal Tracker — enter your goal, current savings, and monthly contribution to get a clear timeline.
Financial Goals Worksheet
Set short-term, mid-term, and long-term financial goals.
Net Worth Tracker
Track your assets, debts, and net worth over time.
Bill Payment Calendar
Never miss a due date again with this monthly bill calendar.
Emergency Fund Planner
Plan and track your emergency savings goals.
HUD Counseling Tools
HUD Client Action Plan Template
Your personalized action plan for homeownership or financial counseling.
Counseling Session Notes
A form used during your HUD counseling session.
Budget Review Form
Used during counseling to review your spending plan.
Credit Review Form
Used to document credit issues and next steps.
Need Personalized Guidance?
Our certified counselors can walk you through any of these tools and build a plan tailored to your real situation — completely free.