Resources

For over 30 years, we’ve helped consumers across the country solve their financial problems. We understand financial challenges often run deeper than just debt. Many people need help building better money management skills, too. That's why we provide free educational resources and practical tools to help you manage your money, reduce debt, and achieve lasting financial stability.

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Monthly Spending Plan

Build a simple monthly spending plan in just a few minutes. Enter your income, cards, and expenses to see where your money goes and how it compares to recommended guidelines. When you're done, download a PDF of your plan to keep handy.

Debt Validation Letter Example

A sample letter you can use as a starting point to request proof of a debt before you pay it, based on your consumer rights under federal law.

Should My Spouse Work? Calculator

Compare second income potential to added expenses like childcare, commuting, and taxes to see if it’s worth it.

Credit Card Roll-Down Calculator

Create a personalized debt payoff plan by rolling payments from one credit card to the next as balances are paid off.

Rent vs. Buy Calculator

Compare the long-term costs of renting versus owning a home. Find out which option makes more financial sense for you.

Net Worth Calculator

List your assets and debts to calculate your total net worth. A simple tool to track your financial health over time.

Two business professionals analyzing financial charts on a computer screen in an office setting.

How to Lower Your Credit Card Interest Rate (Even If You Think You Can't)

Two business professionals analyzing financial charts on a computer screen in an office setting.

Why Isn't My Medical Debt on My Credit Report?

Two business professionals analyzing financial charts on a computer screen in an office setting.

Personal Finance

Prime Big Deal Days 2026: Think Before You Prime