Call Us Today! 785-234-0217 or 800-383-0217|hcci@hcci-ks.org

Financial Tools

/Financial Tools
Financial Tools 2017-01-31T15:40:11+00:00

 

Download
Choosing Your Financial Goals – When creating a spending plan, goals are the key to keeping us on track to make our dreams come true.  Having set goals can also eliminate the need to live paycheck to paycheck, because they help us become more organized when planning for the future.

Download
Budget Worksheet – A budget is a plan for your future income and expenses. Creating a budget is the key to gaining control of your finances. Use this worksheet to see how much money you spend this month, and then use the worksheet to plan for next month’s budget.

Download
Fritter Finder – Stay on track with your budget by keeping receipts.  Recording your out-of-pocket expenses on this chart will enable you to see where your money goes while you’re out in the community.  When used with a Pocket Tracker, you become more organized and have a greater ability to stay within your means each month.

Download
Pocket Tracker– This handy tool allows you to keep track of expenses while out in the community.  Utilizing it with a Fritter Finder helps you become more organized with your finances, because you will know where all of your money goes throughout the month. 

Download
Schedule of Non-Monthly Expenses – There are certain expenses that do not need to be paid every month, but not saving up for them can create big problems when it comes time to pay those expenses (i.e. quarterly insurance premiums, holiday gifts, annual taxes, enrollment, school supplies, etc.).  This tool shows you how much you will need to save back each month to ensure that money will be available for you to use when those expenses comes due.

Download
Paycheck to Paycheck Worksheet – Knowing how much money you can count on each month is critical when you don’t have anything leftover after paying your monthly expenses. This worksheet allows you to create a blueprint of all of the expenses you need to pay each month, along with the amount due, the date the bill is due, as well as which paycheck you plan to use to pay that expense.  This is an excellent tool for people who live in the same household and share the expenses, because it minimizes miscommunications about who is supposed to pay what bill and when.

Download
Prioritizing Expenses Worksheet – We have all run into those months when we come up short on money to pay all of our bills.  This worksheet helps you create three different scenarios as it pertains to your ability to pay your expenses:

  • “Survival” column – Your most critical expenses; any expense that might cause you to lose something due to lack of payment (i.e. residence, utilities, vehicle, and government-related expenses, such as taxes or student loans) and don’t forget to include groceries in that column, too.
  • “Comforts” column – Congratulations!  You were able to pay all of your bills, in-full and on-time.  You might not have a penny left to your name, but doesn’t it feel good to know you were able to pay all of your expenses this month?
  • “Above & Beyond” column – You’ve paid all of your bills and have money left over.  Do you plan to spend it or save it?  Note: Try to tie your leftover money to your goals (i.e. retirement, vacation, saving for down-payment on newer vehicle, etc.).

 

Close
loading...