Worksheets and Helpful Documents

Budget Planner: Use this sheet to plan out your income and expenses.; budgetplanner.pdf
: Our winter newsletter features important information on LIHEAP updates, 2009 DMP Resolutions, the Be Money Wi$e Poster Contest and FREE Tax Preparation!; CONSUMER CONNECTION v15 _4 Winter 2008.pdf
: Our Spring issue of Consumer Connection features information on the Stimulus package and how it can affect you. Also in this issue, take a look at where we will be during Financial Literacy Month!; CONSUMER CONNECTION v16 #1 Spring 2009.pdf
Consumer Connection V 16 No. 3 Fall 2009: Out fall newsletter features important Operations information, Christmas Sign-ups and the LIHEAP Program. We also have some things planned for "Protect Your Identity Week" including FREE SHREDDING at our Main Office in Pittston on Friday, October 23rd!; CONSUMER CONNECTION v16 #3 Fall 2009 .pdf
Newsletter: Our summer issue of Consumer Connection includes some emergency financial planning, important operations reminders, information on our upcoming HOME Program and much more!; CONSUMER CONNECTION v16 _2 Summer 2009[2].pdf
6 Month Expense Tracking Sheet: Use this sheet to monitor your spending and budgeting on a monthly basis.; expenses.pdf
Financial Fitness Guide: Financial Fitness Guide 2009.doc.pdf
General Information Worksheet: This is the printable version of our debt management program enrollment general information worksheet.; General Information Worksheet.pdf

DEBT MANAGEMENT TIPS

Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).

Refrain from using your credit to subsidize your income.

Deposit part of your income into a savings account to meet emergency expenses.

Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).

Make your spending habits consistent. Large expenses should be pro-rated over a period of time.