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
HOLIDAY PLANNING: It's never too early to plan, so use this handy worksheet to list your gifts and anticipated costs. Unplanned expenses really do add up, so earn your piece of mind by creating a holiday budget and sticking to it!; HOLIDAY BGT.pdf
HOLIDAY PLANNING: Getting ready for the holidays shouldn't be a stressful experience. Nor should it cripple your budget. Take advantage of these helpful tips so that your holiday season focuses on the important things: family and friends, and your finances remaining intact in 2010!; HOLIDAY SAVINGS.pdf
HOLIDAY PLANNING: Prepare for the holiday onslaught of sales, promotional items and gimmicks by reviewing these eight (8) important tips sure to leave you with peace of mind, and a piece of your wallet!; HOLIDAY SHOPPING.pdf
HOLIDAY PLANNING: Work smart, not hard!! If you are taking advantage of power-shopping and sales, use this handy worksheet to list your item, the store and the sales date. Your organizational skills will pay off in the long run!; SALES PLANNER.pdf

DEBT MANAGEMENT TIPS

No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.

Keep an accurate record of your cash flow and expenses in order to stick to your plan.

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

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

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