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Thanks for participating in When income decreases, but the bills don’t workshop!
Don’t wait; get started on your 5-step plan today! The material on this webpage is designed to supplement the course material and assist you throughout your journey towards financial stability.
Share your experience with this webpage and the course material by taking a short survey. The survey consists of five questions, which should take less than five minutes to complete.
Obtain credit report
What is currently being reported to the credit bureaus? How can I get a copy of my credit report? Download this free informational handout to get started. Or, visit annualcreditreport.com for immediate access to your free credit report.
Use this worksheet to create a realistic monthly budget and spending plan. It is a valuable tool to guide your spending and saving decisions.
Use this income worksheet to help you determine the amount of income you can realistically count on.
Tracking your spending is key to understanding exactly where your money is going, and plays an important part when creating a realistic budget and spending plan. Print our expense tracker and keep it handy!
Earn More: Think Outside the Box
Consider the five tips for increasing your income in this helpful financial education article.
Claim Any Unclaimed Property
Don’t leave any money on the table. Read this article to learn how to find out if you are one of the one in ten Americans that have unclaimed property waiting to be discovered.
Use this worksheet to establish financial priorities by determining real needs vs. wants.
SMART Goals Worksheet
Use this worksheet to review the five parts of SMART goals and to establish both short, mid and long-term goals.
Step Down Your Spending Video
Watch this two-minute how-to-video and learn how to make the most of your money by taking steps to step down your spending.
Financial Action Plan Worksheet
Financial success begins with a plan. Use this action plan worksheet to map out a strategy for reaching your financial goals.
Debt Repayment Plan Worksheet
Don’t be overwhelmed by debt. Use this repayment worksheet to better understand your debt situation and to create a plan for payoff.
Get Inspired by Others
Watch this video of one of MMI's clients as he shares his experience about the benefits of repaying debt.
Reduced Payment Request Letter
Copy and paste the verbiage from this reduced payment request letter and fill in the details of your personal financial situation. Then, send the letter to inform your creditors of the changes in your income and to request a temporary hardship payment arrangement.
Credit Report Dispute Form
Use this form to dispute inaccurate credit information with the three major credit bureaus:
If you've assessed your financial plan and find you need assistance achieving your financial goals, MMI's certified counselors are here to help. Take the next step toward financial freedom today and schedule a free counseling session: Fill out a counseling form online or call 866.515.2227.
Interested in learning more about debt repayment? Listen to successful MMI clients, Sharon and Craig, as they share their stories about overcoming debt and achieving financial freedom.
The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.
Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.
The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.