1. Online Budgeting Tools

Budgeting is the foundation of any financial plan. Free tools like:

• Mint – Tracks spending, categorizes expenses, and helps you set savings goals.
• EveryDollar – Simple zero-based budgeting for beginners.
• Your credit union's budgeting dashboards – we offer free budgeting features in our online banking apps.

Why it matters: A budget shows where your money goes and helps you allocate funds toward your goals.

2. Goal-Setting Worksheets

Printable or digital worksheets can help you outline your goals clearly. Look for:

• SMART Goal Templates – Specific, Measurable, Achievable, Relevant, Time-bound.
• Debt Payoff Trackers – Visual progress charts for motivation.
• Savings Goal Planners – Break down big goals into smaller milestones.

3. Free Financial Calculators

Calculators make planning easier by showing real numbers. Common types include:

• Loan Calculators – Estimate monthly payments and interest.
• Retirement Calculators – Project future savings needs.
• Savings Goal Calculators – Determine how much to save each month.

Where to find them: Your credit union's website.

4. Credit Monitoring Services

Your credit score impacts your ability to reach financial goals like buying a home or getting a loan. Free tools include:

• Credit Karma – Free credit score updates and tips.
• AnnualCreditReport.com – Get one free credit report from each bureau every year.
• Credit Union-provided credit monitoring – We offer free credit score tracking.

5. Educational Resources

Knowledge is power. Explore:

• Our Blogs & Webinars – Free expert advice on budgeting, saving, and investing.
• Government Resources – Sites like MyMoney.gov offer free guides.
• Podcasts & YouTube Channels – Many provide actionable tips for goal setting.

6. Mobile Apps for Savings

• Apps like Qapital and Digit offer free versions that help automate savings toward specific goals. Even if you start small, automation builds consistency.

Action Steps

• Download one free budgeting app today.
• Print a goal-setting worksheet and write down your top 3 financial goals.
• Use a savings calculator to determine your monthly target.

You don’t need expensive tools to take control of your financial future. With these free resources, you can set clear goals, track progress, and stay motivated throughout 2026.

Call-to-Action: Explore our credit union's free financial planning tools and speak with an advisor to create a personalized roadmap for your goals.

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