Personal relationships
Average rates
Balance sheet
Income statement
Financial calculator

Questions for Consideration:

Are you experiencing problems with personal relationships due to money?
Have you wondered about debt consolidation loans?
Have you been denied credit?
Do you practice wise spending habits?
Do you compare average rates when saving and investing?
Are you unable to state the amount of money you owe right now?
Do you know what your credit report says about you? Order one today!

Equifax - free - $8.50 (depending on the state you live in)
Experian (formerly TRW) - free - $8
TransUnion - free - $8.50

Are you having trouble sleeping because of worry over your bills?
Do you know how to invest in a Mutual Fund?

You don't have to be a financial expert to figure out your spending plan, or budget. First, stop using your credit cards. Various methods and strategies have been suggested, such as cut them up and discard them, or wrap them and place them in a pan of water, freeze, and allow them to thaw before you use them.
Next, consider what you own and what you owe. A balance sheet will help you when you use financial records to accurately calculate the current market value of your assets, and determine your liabilities. Another financial worksheet is the income statement, or cash flow statement. One tool that can help you is an on-line financial calculator provided by the Consumer Credit Counseling Service of greater Washington.
For more assistance contact your local CCCS, or CCCS of the Gulf Coast area is willing to provide free and confidential on-line assistance no matter where you live.
Finally, set up a spending plan and decide how you are going to get out of debt and on the road to a healthy financial lifestyle!

Other Useful Sites...

CONSUMER NEWS from CNN Financial
Planning your Estate For those who need to know about making a will, the probate process, and more.
Federal Consumer Information Center - your on-line guide to federal publications.

Thanks to Susan Jenkins, Ph.D. Idaho State University for the financial worksheet templates.