--- title: "Financial education guides, worksheets and newsletters" description: "Free downloads from Cambridge Credit Counseling: the MyMoney newsletter, Learn Now or Pay Later guides, a children's workbook and budget worksheets." url: https://www.cambridge-credit.org/financial-education-guides-worksheets-and-newsletters publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-25 --- # 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](https://www.mymoney.cambridge-credit.org). For articles, see the [guides](/guides), and for quick figures, the [calculators](/tools). ## 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)](/pdfs/cambridge-newsletter-current.pdf) ### Past issues - [November 2025 MyMoney Newsletter](/pdfs/cambridge-newsletter-november-2025.pdf) - [August 2025 MyMoney Newsletter](/pdfs/cambridge-newsletter-august-2025.pdf) - [January 2025 MyMoney Newsletter](/pdfs/cambridge-newsletter-january-2025.pdf) - [August 2024 MyMoney Newsletter](/pdfs/Cambridge-newsletter-august-2024.pdf) - [March 2024 MyMoney Newsletter](/pdfs/Cambridge-newsletter-march-2024.pdf) - [October 2023 MyMoney Newsletter](/pdfs/Cambridge-newsletter-october-2023.pdf) - [January 2023 MyMoney Newsletter](/pdfs/Cambridge-newsletter-january-2023.pdf) - [March 2022 MyMoney Newsletter](/pdfs/Cambridge-newsletter-march-2022.pdf) - [June 2021 MyMoney Newsletter](/pdfs/cambridge-newsletter-spring-2021.pdf) - [February 2021 MyMoney Newsletter](/pdfs/cambridge-newsletter-winter-2021.pdf) - [November 2020 MyMoney Newsletter](/pdfs/cambridge-newsletter-fall-2020.pdf) ## 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)](/pdfs/childrens-financial-education-guide.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)](/pdfs/learn-now-or-pay-later-financial-education-adult.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)](/pdfs/learn-now-or-pay-later-financial-education-young-adult.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)](/pdfs/monthly-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)](/pdfs/weekly-journalizing-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)](/pdfs/monthly-journalizing-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)](/pdfs/short-and-mid-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)](/pdfs/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)](/pdfs/cambridge-client-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)](/pdfs/cambridge-corporate-brochure.pdf) --- Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency. Credit counseling is free. Talk to a counselor: 800-857-2808 | https://www.cambridge-credit.org/get-help Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization. Required disclosures and state licenses, the privacy notice and the terms are linked in the footer of every page.