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Financial Planning Worksheet

Organize your finances with ACCC’s financial planning worksheet.

When you want financial advice to organize your finances and get a better understanding of how you are spending money, a financial planning worksheet from American Consumer Credit Counseling (ACCC) can help.

Our financial planning worksheet will help you gain a clear picture of your financial situation and enable you to better make decisions based on your financial goals. Our worksheet includes separate sections for:

  • Tracking daily expenses.
  • Budgeting for your household.
  • Paying bills.
  • Identifying your personal assets.
  • Evaluating your net worth.
  • Organizing your financial records.
  • Determining your debt-to-income ratio.

With ACCC’s financial planning worksheet, you’ll be on your way to reducing debt, managing money more effectively and reaching your financial goals.

Working with a counselor on your financial planning worksheet.

ACCC is a nonprofit organization offering confidential consumer credit counseling services to individuals and families nationwide. In addition to a financial planning worksheet, we provide free credit counseling, educational materials and a low-cost debt management plan that can help you get out of debt more quickly. With credit counseling experience since 1991, we are dedicated to helping people regain control of your finances and make a plan for a debt-free future.

In your free credit counseling session, our counselors can work with you to fill out a financial planning worksheet that will give you a clear view of your financial picture. You’ll get a detailed review of your income, assets and expenses along with personalized options for ways to reach your financial goals. Our highly trained and certified counselors can help to explain the pros and cons of consolidating loans, explore the best way to consolidate credit cards, and direct you to the best resources for student loan assistance.

Putting your financial planning worksheet to work.

Once you’ve completed your financial planning worksheet and have a clear understanding of your finances and your debt, you may want to consider a debt management plan with ACCC. Rather than consolidating loans by taking on new debt, a debt management plan lets you consolidate payments to simplify your finances and retire your debt more quickly.

In a debt management plan, rather than paying your individual creditors each month, you’ll make one payment to ACCC and we’ll pay all of your creditors for you. With just one convenient payment to make each month, you’ll experience less stress and will find it easier to make your payments on time. And we work with your creditors for a possible reduction in monthly payments, finance charges, late fees and over-limit charges to help reduce the total amount of money you owe and let you pay off your debts more quickly.

Learn more about ACCC’s financial planning worksheet, access a debt consolidation calculator or explore student loan solutions on our website.

American Consumer Credit Counseling (ACCC) is a nonprofit organization offering free credit counseling and education to help individuals and families get out of debt and manage money more effectively. Our counselors can provide advice on options for consolidating loans, managing debt and choosing a debt consolidation credit card strategy. We also offer information on student debt relief, including options for student loans consolidation, deferment and forbearance, federal student loan forgiveness, and how to repay student loans when monthly payments for student education loans become overwhelming. Our counselors can information on the hidden costs of student loan consolidation companies and options for consolidating private student loans. The education section of our website features many free tools and resources, including a student loan calculator.

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