Your Money Resources Consumer Gov

How to budget, and other ways to manage your money. A budget helps you make sure you’ll have enough money every month. Opening an account at a bank or credit union can help you keep your money safe. Your paycheck is the money your employer pays you for doing your job. A debit card lets you pay with money that’s in your checking account. So that they’re easier to access, we’ve consolidated all of the websites referenced in the Your Money, Your Goals toolkit, companion guides, and Behind on Bills booklet.

All of these sites are federal government agencies and national nonprofit organizations with state and local resources. Page last modified Jun. 30, 2025 @ 12:46 PM EDT View older versions of this page at our public archive. The content on this page provides general consumer information. It is not legal advice or regulatory guidance.

The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs. Are you a teacher or service provider? Find videos, worksheets, and other resources.

The toolkit has information that helps you have money conversations with the people you serve. Use the tools to help achieve goals and work through challenges. Printed copies of the toolkit are available free of cost in English (Updated June 2020) and Spanish (Updated Dec. 2016). Train staff or volunteers to use the Your Money, Your Goals toolkit and measure the results of your trainings. The 43 tools and handouts from the full toolkit are now available as individual, fillable pdfs.

Find resources below to help meet the needs of each person you're working with. Planning for life events and large purchases These colorful, compact booklets can help you talk with people about money topics that are important to them. Each booklet includes a selection of simplified tools from the Your Money, Your Goals toolkit—all focused on a common financial stressor. Page last modified Dec. 12, 2024 @ 12:18 PM EST

View older versions of this page at our public archive. The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information.

There may be other resources that also serve your needs. A budget helps you make sure you’ll have enough money every month. Without a budget, you might run out of money before your next paycheck. A budget can also help you save for your goals or emergencies. A budget is a plan you write down to decide how you’ll spend your money each month. You might see that you can spend less money on some things and more money on other things.

You also might see ways to save money. Watch this video to learn about making a budget: Start to make a budget by gathering your bills and pay stubs. Use this Budget Worksheet to help you. These resources will help you build a plan for integrating Your Money, Your Goals into the services you provide—from training staff or volunteers to measuring the results. Updated training slides for the revised Focus on People with Disabilities companion guide are now available.

Our Implementation Guide will help you build a plan, prepare for and deliver training, put together a financial services referral guide for your community, and measure the impact of your work. You can also read about how to implement Your Money, Your Goals in legal aid organizations. We've recorded webinars to help trainers adapt and deliver presentations for staff and volunteers in their communities. Live webinars will also be scheduled when updates are released. You can use these slides to train staff and volunteers on how to use the Your Money, Your Goals toolkit in their day-to-day work with the people they serve. The PowerPoint slides have trainer notes in the notes pane beneath the slide.

Wherever you are on your financial journey, you can prepare yourself to make informed financial decisions with these resources. Our guides help you understand and plan for big financial goals. Browse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue. Browse answers to hundreds of financial questions. Ask CFPB

Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days. Each of these guides supports the toolkit by helping you contextualize the money conversation to the unique needs of specific populations. Military life comes with unique financial situations. This guide provides insight and guidance to persons and organizations that serve military communities, including active-duty, reserve and National Guard servicemembers, veterans, and their families.

The guide includes tools specially designed to address common financial challenges that military consumers face, such as: The guide was developed with the support of people and organizations that serve the military and veteran communities. Focus on Military Communities companion guide Tool: Planning for important money conversations

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