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Student Loan Report
File size 17 K
Downloads 87

If you’ve taken out a student loan, you’ll be receiving one of these from your lending agency for each of the loans you took out. The upper portion has all of your basic information as you reported it to the agency.

Your Account Statement will list the loan details: type, interest rate, principle balance, and most importantly, the amount you owe and the due date.
The report will often also include a payment coupon or stub with which you can pay by mail, enclosing your stub with the payment.
Lenders will usually offer the option of paying down the principle with payments over and above the billed amount. This amounts to substantial savings over time since your interest payments will be figured on a lower principle and you’ll pay off your balance sooner.

Always be sure to check the back of the report for important fine print!
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Student Budget Worksheet
File size 94 K
Downloads 125

A basic starting point for all things financial, the budget can help you plan for the short-term and long-term, for rainy days and celebration. This budget is tailored for students and can be modified to meet your specific needs.

To set up your budget:
1.       Track all of your income and expenses for one month.
2.       Divide receipts and recorded amounts into categories.
3.       Total the categories.
4.       Enter totals on the budget spreadsheet categories for the current month.
5.       For larger, less frequent expenses (for school, car, etc.), divide the total into monthly payments.
Each month, note your net income or loss and make adjustments (i.e. more/fewer expenses, more/less income, etc.) for next month’s planned budget. You’ll notice that some expenses are necessary and others are more variable.
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W-2 Form
File size 70 K
Downloads 25

This W-2 form example is taken straight from the Internal Revenue Service site. In case you haven’t worked for a wage yet, this is what you’ll receive sometime early in the spring for each employer you’ve had during the previous tax year. You fill out a questionnaire when you’re hired.

The W-2 is how the government keeps track of your wage and salary income, tips, what you've paid towards social security, etc.
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Interactive Goal Setting Worksheet
File size 29 K
Downloads 67

Author Diana Scharf Hunt said it well:  “Goals are dreams with deadlines.” When we make plans, the elements of our imagination come together to form our future. Sometimes fulfilling those plans is easier said than done.

Set some goals to achieve their dreams. In this section you’ll find brief guidelines, tips, a goal chart and words of wisdom to inspire you.
Make your goals…
Precise actions or events: Small or large, your goals ought to be specific and crystal-clear.
Measurable: You must be able to track your progress, identify benefits, and set target success times.
Attainable: Your goals have to be challenging, but reachable.
Worksheet Directions:
This worksheet is for you. Customize it, lengthen it, shorten it, make it fit your own plans. We think it’s a good starting point and can’t wait to see how far you go!
1.       Identify a goal.
2.       Describe the First Step in achieving your Goal.
3.       Set a Target Date for completing the First Step.
4.       Estimate a Cost (if applicable) for completing the First Step.
5.       Detect a Possible Obstacle to completing the First Step.
6.       Find a Solution to that Possible Obstacle.
7.       Name a Bonus as your reward for completing the First Step.
8.       Repeat 2-7 as necessary for successive Steps.
9.       Set a final Target Completion Date for the Goal.
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Sample Credit Report
File size 42 K
Downloads 112

Credit scores help provide more uniform lending conditions, speed up approvals for credit, reduce costs and losses for lenders and reduce lending bias and errors in processing.  Most creditors and lenders use a similar version of the credit report to determine a borrower’s risk.

Significantly for consumers, the rating system provides a secure credit monitoring tool to gauge individual ratings and check for identity theft. A borrower’s own negative actions can be remedied and any irregularities can be detected and corrected if fraud has occurred.
Here's an outline an example of what you’ll find on a credit report. Remember, you’re entitled by law to three free credit reports per year - that is, one from each of the three reporting agencies: Transunion, Equifax, and Experian.
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Credit Card Statement Worksheet
File size 24 K
Downloads 86

Welcome to the world of credit! Your credit card statement is your gateway to valuable information about the state of your credit in particular. You’ll be able to track your spending habits and learn how to repay what you borrow from the credit card company. That's not all that's covered, though. Read on to see how you can learn:

·         Grace period details
·         How to pay by phone
·         Specifics on how your bank computes finance charges
·         When and how payments are credited
·         Payment due dates
 
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