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Financial education guides, worksheets and newsletters

Cambridge Credit Counseling's financial literacy guides, newsletters and worksheets, free to download. For a household budget you can keep up to date, use the MyMoney Budgeting Portal. For articles, see the guides, and for quick figures, the calculators.

Last updated

MyMoney Newsletter#

Cambridge’s personal finance newsletter, with a variety of articles and tips to help you with your finances.

Read the current issue (PDF)

Past issues

Children’s “FUN”ancial Education Workbook#

All children become interested in money and the idea of what it does at different times during their development. If your child has shown this interest, it may be time to start introducing them to the different aspects of personal finance. This guide is meant to help you teach them the very basics while having fun.

Download the workbook (PDF)

Learn Now or Pay Later Financial Literacy Guide#

A detailed, easy-to-understand reference on many personal finance topics. It sets out the building blocks of a sound financial plan, including building a spending plan, setting short- and long-term goals, understanding your credit report and score, and using credit wisely.

Download the guide (PDF)

Learn Now or Pay Later Young Adult Financial Literacy Guide#

The same level of education as the adult guide, written for younger adults. It covers credit reports, credit scores, debt-to-income ratios, budgeting, checking and savings, and more.

Download the young adult guide (PDF)

Monthly Budgeting Worksheet#

Many people are reluctant to set a household budget because they fear they will not be able to do the things they are used to doing. A household budget identifies the most important expenses and helps make sure they are covered every month. It also makes you stop and think before certain purchases, and helps trim expenses that are not necessary.

Download the budgeting worksheet (PDF)

Weekly Journalizing Worksheet#

The only real way to know exactly where your money is going is to write down every expense, and that means everything. People who journal their expenses, even for a week or two, are often amazed to see where their money is actually being spent. Write down everything you spend money on through the week.

Download the weekly worksheet (PDF)

Monthly Journalizing Worksheet#

Once you have completed your weekly journal, total everything up to find out where your money goes every month. Cutting out, or cutting down on, small daily expenses can add up and free up money you did not know you had.

Download the monthly worksheet (PDF)

Short-Term Goals Worksheet#

Setting reasonable goals is an important step to getting your financial life back on track. Understanding your short-term goals helps you reach your long-term goals. This worksheet helps you set them.

Download the short-term goals worksheet (PDF)

Long-Term Goals Worksheet#

Short-term goals are the stepping stones to your long-term goals. Short-term goals are tracked in weeks or months; long-term goals are usually measured in years. Use this sheet to track your long-term goals.

Download the long-term goals worksheet (PDF)

Client Membership Guide#

For Cambridge clients enrolled in the Debt Management Plan. It contains the important information about managing your DMP.

Download the membership guide (PDF)

Cambridge Corporate Brochure#

An overview of Cambridge’s services: credit counseling, housing counseling, reverse mortgage counseling, bankruptcy counseling, first-time homebuyer education courses and student loan debt counseling.

Download the brochure (PDF)