The budget box is a small box with dividers for each day of the month, with one divider for each day of the month.

This tool is useful if you pay your bills in cash each month.

Use this budgeting tool to track where your money is going. You are far more likely to save your money when you see how much small, miscellaneous purchases, such as coffee and soda, can add up.

The Monthly Payment Calendar is another way to help you keep a record of your bill payments and due dates. This tool—in particular—can help you anticipate and plan for expenses and savings.

Monthly Payment Schedule can help you record and keep track of your payments based on date and amount due.

Knowing what expenses are flexible and what expenses are fixed is the first step to successfully managing your personal finances. This worksheet will help you to decide where you can be flexible each month.

When shopping around for a Home Equity loan, it is important to consider several factors before taking out a loan. The Office of the Comptroller of the Currency has developed this worksheet to help you find the best deal by asking the appropriate questions and comparing answers from multiple lenders.

Prepare a Spending Plan: Also known as a budget, a spending plan is a written "best estimate" of the cost of future spending and saving. Ideally, a spending plan should balance income and expenses, including regular savings for future financial goals. Worksheets for creating a spending plan can be downloaded from the Rutgers Cooperative Extension Web site. To download a "paper and pencil" worksheet, Click here . To download a spending plan spreadsheet, Click here