Free resources
Free Financial Resources
Everything you need to take control of your money — organized by topic, written in plain language, completely free.
Budgeting
Build a budget that actually works for your income and lifestyle.
How to Build Your First Budget
A step-by-step guide to creating a realistic monthly budget from scratch.
The 50/30/20 Rule Explained
Learn how to split your income between needs, wants, and savings.
Free Budget Templates
Download our printable and digital budget worksheets — no sign-up required.
Budgeting on a Variable Income
Strategies for freelancers, gig workers, and anyone whose income changes month to month.
Saving
Start saving even on a tight income. Small steps lead to real results.
Building an Emergency Fund from Zero
Why you need one, how much to save, and how to get started today.
Saving on a Low Income
Practical strategies to save money even when every dollar is spoken for.
Automatic Saving: Set It and Forget It
How to automate your savings so you never have to think about it.
Debt
Understand your debt, prioritize payoff, and stop the cycle.
Debt Snowball vs. Debt Avalanche
Two proven methods for paying off debt — and how to choose the right one.
Understanding Interest Rates
What APR really means and how it affects what you owe.
How to Negotiate with Creditors
Scripts and strategies for reducing what you owe or setting up a payment plan.
Credit
Build and repair your credit score with practical, proven steps.
How Your Credit Score is Calculated
Break down the five factors that make up your FICO score.
Building Credit from Scratch
How to establish a credit history if you have none.
Disputing Errors on Your Credit Report
Step-by-step instructions for correcting mistakes that hurt your score.
Retirement
It's never too late — or too early — to plan for retirement.
Retirement Basics: What You Need to Know
A plain-language introduction to 401(k)s, IRAs, and how retirement savings work.
Starting Retirement Savings Late
If you're behind, here's how to catch up without panic.
Banking Basics
Understand accounts, fees, and how to choose the right bank for you.
Checking vs. Savings Accounts
The difference between account types and when to use each.
How to Avoid Bank Fees
Common fees and how to stop paying them.
Is a Credit Union Right for You?
How credit unions differ from banks and who benefits most.