Free Digital Personal Finance Library

Explore over 45 topics and build financial literacy anywhere you are!

Financial literacy refers to your ability to understand key financial topics that a crucial for your everyday life. This virtual library allows you to explore over 40 topics so you can build financial literacy for free. The guides cover everything from basic budgeting and saving, to buying a home and planning for retirement. If you have questions or would like a free consultation to find better ways to manage your finances, call 1-888-294-3130.

Credit Cards

Credit

Credit cards can be an effective financial tool, but only when used correctly. Learn how to use credit without inviting debt problems.

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Credit in a New Country

Credit

America is the land of opportunity, but it can also be the land of serious debt problems for immigrants. Learn how to use credit in a new country.

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Divorce and Your Credit

Credit

The financial impact of divorce can be catastrophic on your credit score if you don’t take steps to ensure the separation doesn’t lead to debt problems.

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Identity Theft

Credit

Don’t let identity theft cost you time and money! This free ID theft prevention guide helps you avoid fraud and fight back when it happens.

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Predatory Lending

Credit

This free guide can help you understand what predatory lending is, how to recognize it, and what to do if you think you are a victim.

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Rebuilding Credit Guide

Credit

If you’re struggling to overcome a bad credit score this free guide to rebuilding credit can show you the right steps to take to clean up your credit.

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Repair Your Credit

Credit

Learn how to review your credit report and dispute mistakes and errors to repair your credit, which may help improve your score.

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Banking Basics

Money Management

If you've avoided bank accounts in the past or had accounts closed for too many fees, this guide helps you learn better banking techniques.

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Budgeting

Money Management

Don’t let overspending lead to debt problems! This free budgeting guide teaches you how to build a household budget that works.

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Cutting Car Costs

Money Management

Transportation eats up roughly 17 percent of the average budget.. This guide helps you cut car costs so you can save money.

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Cutting Food Costs

Money Management

This free guide helps you reduce food costs, whether you're cooking at home or dining out. Learn to set a budget that won't eat your income.

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Cutting Healthcare Costs

Money Management

Out-of-pocket medical expenses are now a leading cause of debt problems in the U.S., but this free guide can help you keep healthcare costs low.

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Money Mistakes

Money Management

Learn about the five most common money mistakes that people make. Learn how to avoid them and how to recover quickly if they happen.

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Save Energy, Save Money

Money Management

Saving money on energy costs around your home is a great way to keep energy bills low so you can balance your budget. Find low-cost ways to save.

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Shop Smart and Save

Money Management

Use this free guide to learn how to shop smart so you can save money and avoid debt. When it comes to your budget, little actions add up to big savings.

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Disaster Planning Guide

Financial Planning

Financial considerations should be a key part of your annual disaster planning preparedness plan. This guide helps ensure your finances weather the storm.

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Financial Wedding Planner

Financial Planning

Don't let wedding debt get in the way of your marital bliss. This free financial wedding planner helps keep wedding costs low so you can avoid debt.

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Marriage and Money Guide

Financial Planning

Learn how to have the right conversations when marriage and money meet, so you can avoid financial stress in your relationship that can lead to divorce.

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Retirement Planning

Financial Planning

Learn how to strategic retirement planning can help you enjoy your golden years without the burden of debt, even if you face challenges like limited income.

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Surviving a Layoff

Financial Planning

Learn how to handle your finances after a layoff to minimize credit card debt and kee your finances stable as you look for a new job.

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Surviving a Recession

Financial Planning

This guide will walk you through six key steps that can help you get through a recession, with advice on what to do if you're already behind.

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Vacation Budgeting Guide

Financial Planning

Three out of four people take on credit card debt to getaway, but this free vacation budgeting guide can help you take a debt-free vacation with the family.

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Buying a Home

Housing

This free homebuyer's guide helps you learn the right steps to take to buy a home, with three key questions to answer to ensure you're ready to buy.

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Affording College

Youth

Don’t let the high cost of school lead to student loan debt! This free guide makes affording college easier so you can avoid debt problems after graduation.

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Banking 101

Youth

This free guide walks kids and teens through the basics about banking. Learn how to use checking and savings accounts while avoiding fees.

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Request a free debt and budget evaluation from a certified credit counselor