While emergencies are a fact of life, saving for an emergency can help you avoid a financial disaster when unexpected events occur. Learn tips and tricks to make it easy to budget for emergencies.
Resources & Tools
A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. A budget can help you find ways to save money and plan for the future. ACCC has compiled helpful resources, tips, and tools to help you understand and create a successful budget.
For free assistance with your budget, start now and complete an online application. This will provide counselors more information to work with during your budgeting session.
If you would like further assistance on how to manage your budget, you may contact our financial counseling center at 800-769-3571.
Our worksheets help you outline your budget and customize a spending plan based on your income and needs. By putting your budget together on a worksheet, it’ll be easier for you to make the right financial decisions.
- Budget in Your Pocket
- Household Budgeting Worksheet (pdf)
- Household Budgeting Worksheet (Excel)
- Daily Expense Tracking Worksheet (Excel)
- Daily Expense Tracking Worksheet (pdf)
Tips for Budgeting
Creating a budget can help you decide your spending and saving, but it’s not always easy to get there. Our downloadable tips make sure that you have important financial information at your fingertips at all times.
- 20 Steps to Financial Health
- Save by Cutting Back
- How to Disaster-Proof Your Finances
- Elder Care Money Management
Shopping With a Plan
Certain times of year require a lot of shopping, and trying to stay within a budget can be especially daunting. Use these downloadable worksheets to plan your shopping trips during the busiest retail seasons.
- Back to School Budgeting Worksheet
- Holiday Budgeting Worksheet (Excel)
- Holiday Budgeting Worksheet (pdf)
- Holiday Shopping Checklist
- Shopping Checklist
The Personal Financial Workbook is a tool that you can use to organize your finances and gain an understanding of how you are spending your money. By using the worksheets, you’ll be able to paint a clear picture of your financial situation and make better decisions for the future. We recommend that you photocopy worksheets before using them so that you may revise the information, and reuse the worksheets as needed.
- Financial Community Guideline Worksheet
- Bill Paying Worksheet
- Personal Asset Worksheet
- Debt-to-Income Ratio Worksheet
- Net Worth Worksheet (pdf)
- Net Worth Worksheet (Excel)
- Financial Records Organization Worksheet (pdf)
- Financial Records Organization Worksheet (Excel)
Get helpful advice on budgeting for everything from dating and back-to-school costs to saving for the holidays and retirement.
Creating a budget is a whole lot easier when you have the right tools and skills. These helpful resources can help improve your money management skills and help learn to budget like a pro.
A budget gives you a clear picture of your financial situation. With a budget, you can prioritize the expenses and savings that will help you achieve your financial goals. A budget lets you monitor your income and spending overtime to make sure you’re sticking to your goals. And your budget can help ensure that you will always have enough money for the things that are important to you.
In this section, you’ll find more information on how budgets work and how they can help you reach your goals.