Financial Freedom at Your Fingertips:
Free Tools to Build Your Financial Foundation and Achieve Your Money Goals
Explore trusted financial education resources, expert articles, and practical guides to help you build confidence in managing your money.
Trusted Resources
Take control of your finances with our free tools. Our Keeping Score Budget Spreadsheet makes tracking income, expenses, and saving simple, and helps you stay on top of your finances each month. Our Credit Card Payoff Calculator shows you exactly how long it will take to pay off your balances and how much interest you’ll pay so you can create a plan to become debt-free faster.
Nextgen Personal Finance articles
Next Gen Personal Finance (NGPF) is a national non-profit that trains and provides curriculum to middle and senior high school financial literacy educators. Their YouTube channel is a great source of easy-to-understand videos about financial topics.
Top Books to Cultivate Your Money Mindset
Developing a money mindset is crucial to maintaining healthy financial habits. We recommend the following books to further your financial literacy education and to develop and improve your money habits.
- The Index Card: Why Personal Finance Doesn’t Have to Be Complicated by Helaine Olen and Harold Pollack – a great introduction to the fundamentals of how to manage your personal finances and provides the best practices or habits to focus on
- The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel – a great compliment to any “how to” personal finance book. The book focuses on “why” we do the things we do with our money and effectively outlines the difference between being “rich” and true wealth
- Personal Finance for Dummies in Your 20s & 30s (3rd Edition) and Personal Finance for Dummies (10th Edition): These are great reference books as you can read the chapter(s) most applicable to your current or desired situation
- The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko – though published in 1996, the time-tested wisdom shared in this book remains relevant today
- What to Say When You Talk to Your Self: Though not a personal finance book, learning to replace negative self-talk with productive and positive self-talk is a great first step in improving the relationship you have with your money
- The Subtle Art of Not Giving a ____: A Counterintuitive Approach to Living a Good Life by Mark Manson – another non-personal finance book, this book helps you focus on what really matters in everyday life and can be applied to help you reset or improve your money mindset. Great message, coarse language
- The Power of Now: A Guide to Spiritual Enlightenment by Eckhart Tolle + What about Now?: Reminders for Being in the Moment by Gina Lake – read in that order, these books complement each other and their effort to get us to focus on the present instead of the past or the future. This shift in your mindset can help you to improve your relationship with and approach to managing your money.
- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear – last on this list but certainly not the least, as the teachings in this book are very applicable to your personal finances, which is a series of evolving lifelong habits
The Keeping Score Spreadsheet
You work hard for your money, yet you are not sure where all your money goes and that may be a source of stress in your life. That is why keeping score (of your money) is so important and doing so does not have to be complicated. Our Keeping Score Template is a simple, easy-to-use spreadsheet designed to help you track your income and expenses each month. With a built-in sample and instructions tab, you’ll see exactly how to use the template, making it easy to get started and you can personalize it along the way to meet your needs. By keeping score, you will have a clearer picture of where your money goes, which will help you gain control of your money, plan better, avoid surprises, and make smarter financial decisions—all with about 30 to 60 minutes of effort throughout the month. Download it today and start keeping score of your financial success!
Credit Card Debt Payoff Calculator
Tackle your credit card debt with confidence using our Credit Card Payoff Spreadsheet—designed to help you take control of your debt. Just enter the balances, interest rates, and payments and instantly see how long it will take to pay them off and how much interest you’ll pay on the debt. Increase the payment amounts and see how much faster you can pay off your debt and how much interest you will save. Download it today and start your journey toward becoming debt free!
Additional Resources
Explore more of our preferred financial resources from recognized experts, influencers, and institutions.
Explore: Financial Literacy, Personal Finance, and Life Skills. Great content from a national non-profit focused on providing free K-12 educational courses and lessons. While the content is free, expect to be solicited for a charitable contribution.
Vivian Tu (aka “Your Rich BFF”) explains financial topics in a concise and easy-to-understand manner through her podcast, TikTok, Instagram and YouTube channels. Note that Vivian Tu has sponsorships with financial institutions that may try to solicit your business and the products or services they recommend may or may not be in your best interests.
Consumer Reports is a trusted resource for making informed purchasing decisions across a wide range of products. With rigorous independent testing, expert comparisons, and unbiased ratings, CR empowers consumers to choose high-quality, reliable products that offer the best value for their money.
Kiplinger offers expert insights through magazines, newsletters, and online content. They cover a wide range of financial topics including investing, budgeting, and taxes. Similar to Consumer Reports, Kiplinger provides reliable information for consumers to make informed financial decisions.
Morningstar is a resource for researching stocks and other publicly traded investments. They offer comprehensive data and provides investors with easy-to-understand information to support informed decision-making when it comes to investing.
Learn the Basics
Unfortunately, and until every student is required to take a personal finance course in high school, most adults first learn about personal money management via life’s version of on-the-job training.
Empowering the Future: Why Personal Finance Should be Taught in High School
Personal finance is a fundamental skill that every individual needs to navigate the complexities of modern life. Yet, it is astonishing how little emphasis is placed on teaching it in
Learn the Basics
Unfortunately, and until every student is required to take a personal finance course in high school, most adults first learn about personal money management via life’s version of on-the-job training.
Empowering the Future: Why Personal Finance Should be Taught in High School
Personal finance is a fundamental skill that every individual needs to navigate the complexities of modern life. Yet, it is astonishing how little emphasis is placed on teaching it in
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Delaware Coalition Against Domestic Violence
Financial literacy is a critical tool for survivors of domestic abuse. Through our partnership with the Delaware Coalition Against Domestic Violence, YourMoney101 provides financial education and support to help survivors leave controlling relationships, build stability, and create a secure path forward.