- File for your 3 FREE annual credit reports.
- Send Dispute Letter to Credit Reporting Agency if needed.
- Determine if your spending as much for your “WANTS” as for your “NEEDS?”
- Spending Plan: Fixed Expenses, Periodic Fixed Expenses, Variable Expenses, and Indebtedness
- Develop your spending plan spending categories to identify how much you normally spend on goods and services each month.
- Express your goals as positive, specific, and realistic statements.
- Simplified Mortgage Affordability Calculation
- Indebtness Calculation: listing of an individual’s debts (financial obligations) which are normally paid on a monthly basis, such as car loans, student loans, credit cards, or other loans.
- Determine your net worth.
- Personal Financial Task Checklist to help you begin to shape a new financial future.
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