Money Habits Resource Library
Thank you for purchasing Money Habits: Practical Financial Strategies for Real Life. Every worksheet, checklist, and planner mentioned in the book is available here as a free download to help you put what you’ve learned into practice.
Simply select the chapter below and download the companion resource whenever you need it.
Companion downloads for readers of Money Habits
How to Use This Library
The companion resources below are organized by chapter, making it easy to find the worksheet or checklist that corresponds to the section you’re reading.
Whether you’re working through the book for the first time or revisiting a topic later, these downloads are here whenever you need them.
Chapter Resources
Choose the chapter you’re working on and download the companion worksheet, checklist, or planner. Each resource is designed to reinforce the lessons in the book and help you apply them to your own financial situation.
Part 1 – Build Your Foundation
Chapter 1
Financial Health Checkup
Assess your current financial position and organize your income, expenses, savings, assets, and debts in one place. This interactive workbook provides a practical starting point for understanding your overall financial health.
This Download Includes
✓ Money Habits Financial Health Checkup Worksheet
An interactive Excel workbook that automatically converts your income into monthly amounts, totals your monthly expenses, and gives you a clear snapshot of where your money goes each month.
Designed to be completed by hand or saved digitally for future reference.
Microsoft Excel may open this workbook in Protected View because it was downloaded from the Internet. If prompted, simply click Enable Editing to use the interactive workbook. This workbook contains no macros or executable code.
Chapter 2
Creating a Spending Plan That Works for You
Build a spending plan that reflects your real life—not an imaginary, perfect budget. This interactive Excel workbook helps you organize your income, expenses, savings goals, and everyday spending so you can make intentional financial decisions with greater confidence.
This Download Includes
✓ Money Habits Spending Plan Worksheet
An interactive Excel workbook that helps you organize your income, create a realistic monthly spending plan, compare your planned spending with what you actually spend, and build stronger financial habits over time.
Designed for Microsoft Excel (.xlsx format)
Microsoft Excel may open this workbook in Protected View because it was downloaded from the Internet. If prompted, simply click Enable Editing to use the interactive workbook. This workbook contains no macros or executable code.
Chapter 3
Building Your Emergency Fund
Unexpected expenses happen to everyone. This interactive Excel workbook helps you set an emergency savings goal, track your progress, and see how small, consistent savings can build financial security over time.
This Download Includes
✓ Money Habits Emergency Fund Planner Workbook
An interactive Excel workbook that helps you calculate your emergency savings goal, track your monthly progress, and estimate how long it may take to reach your target based on regular contributions.
Designed for Microsoft Excel (.xlsx format)
Microsoft Excel may open this workbook in Protected View because it was downloaded from the Internet. If prompted, simply click Enable Editing to use the interactive workbook. This workbook contains no macros or executable code.
Chapter 4
Managing Debt Without Feeling Overwhelmed
Debt can feel stressful, but understanding where you stand is the first step toward taking control. This interactive Excel workbook helps you organize your loans and credit cards, compare repayment strategies, and create a practical plan for reducing debt over time.
These Downloads Include
✓ Money Habits Debt Inventory Worksheet
A workbook that helps you organize all of your loans and credit cards in one place and gives you a complete snapshot of your current debt.
✓ Money Habits Debt Eliminator Planner
A workbook that helps you compare debt repayment strategies, estimate payoff timelines, and track your progress toward becoming debt free.
Designed for Microsoft Excel (.xlsx format)
Microsoft Excel may open this workbook in Protected View because it was downloaded from the Internet. If prompted, simply click Enable Editing to use the interactive workbook. This workbook contains no macros or executable code.
Chapter 5
Understanding and Building Good Credit
Good credit can make borrowing less expensive and open the door to better financial opportunities. This worksheet helps you understand the factors that influence your credit, identify areas for improvement, and create a practical plan for building stronger credit habits over time.
This Download Includes
✓ Money Habits Credit Checkup Worksheet
A printable worksheet that helps you review your credit reports, identify potential issues, evaluate your credit habits, and create a practical plan for improving and protecting your credit over time.
Part 2 – Protect and Prepare
Chapter 6
Protecting Yourself with Insurance and Risk Management
Life is full of unexpected events, but the right insurance can help protect your finances when they happen. This worksheet helps you review your current insurance coverage, identify gaps in your coverage, and make informed decisions about protecting yourself, your family, and your financial future.
This Download Includes
✓ Money Habits Personal Insurance Review Worksheet
A printable worksheet that helps you organize your insurance policies, review your coverage, identify gaps in your coverage, and determine whether your current protection still meets your needs.
Chapter 7
Preparing for Financial Disruptions
Financial setbacks can happen to anyone. A job loss, medical emergency, unexpected home repair, or other major life event can place tremendous pressure on your finances. This worksheet helps you organize important information, identify available resources, prioritize immediate actions, and create a practical recovery plan so you can respond thoughtfully rather than react under stress.
This Download Includes
✓ Money Habits Financial Crisis Response Worksheet
A printable worksheet that helps you evaluate your situation, protect essential needs, organize important contacts and resources, develop a short-term action plan, and begin rebuilding financial stability one step at a time.
Part 3 – Building Wealth for the Long Term
Chapter 8
Planning for Retirement
Retirement is more than reaching a certain age. It is about building the financial resources that allow you to live the life you want after your working years. Whether retirement is decades away or just around the corner, this worksheet helps you evaluate your current progress, clarify your goals, and identify practical steps you can take to strengthen your long-term financial future.
This Download Includes
✓ Money Habits Retirement Readiness Worksheet
A printable worksheet that helps you assess your retirement preparedness, estimate future income needs, review savings and investment accounts, identify potential gaps, and create an action plan for building greater financial security throughout retirement.
Chapter 9
Homeownership and Real Estate
Housing is one of the largest financial decisions most people will ever make. Whether you plan to rent, buy your first home, downsize, or invest in real estate, the choices you make can affect your finances for years to come. This worksheet helps you evaluate your housing options, compare the costs and responsibilities of each, and make decisions that support your long-term financial goals.
This Download Includes
✓ Money Habits Housing Decision Worksheet
A printable worksheet that helps you compare renting and buying, estimate housing costs, evaluate affordability, consider lifestyle factors, and organize the information you need to make a confident housing decision.
Chapter 10
Taxes and Keeping More of What You Earn
Taxes are part of nearly every financial decision you make, but understanding the basics can help you avoid surprises and keep more of what you earn. This chapter focuses on planning rather than preparing tax returns. These worksheets help you organize important tax information, identify planning opportunities, and stay prepared throughout the year.
These Downloads Include
✓ Money Habits Tax Planning Checklist
A printable checklist that helps you review important tax planning opportunities, organize year-round tax strategies, and identify questions to discuss with a qualified tax professional.
✓ Money Habits Tax Documents Organizer
A printable organizer that helps you keep track of tax documents throughout the year, organize important records in one place, and simplify tax preparation when filing season arrives.
Designed to be completed by hand or saved digitally for future reference.
Chapter 11
Major Life Decisions
Some financial decisions have consequences that last for years or even decades. Marriage, divorce, starting a family, changing careers, caring for aging parents, or relocating can all affect your financial future. This worksheet helps you evaluate important life decisions from both a financial and personal perspective so you can make thoughtful choices that support your long-term goals.
This Download Includes
✓ Money Habits Major Life Decision Evaluation Worksheet
A printable worksheet that helps you define an important decision, evaluate its financial impact, consider alternatives and potential risks, and develop a practical plan before moving forward.
Part 4 – Building Your Financial Future
Chapter 12
Investing Without the Confusion
Investing can seem overwhelming when you’re first getting started, but it doesn’t have to be complicated. The goal is not to predict the perfect investment or time the market perfectly. It is to understand the basics, invest consistently, and make decisions that support your long-term financial goals. This workbook helps you evaluate your readiness to begin investing, organize your thoughts, and identify practical next steps before putting your money to work.
This Download Includes
✓ Money Habits Investment Readiness Workbook
A printable workbook that helps you evaluate your financial readiness to invest, clarify your investment goals, assess your risk tolerance, and create a practical plan for beginning your investing journey with confidence.
Part 5 – Putting Your Financial Life into Practice
Chapter 15
Creating a Long-Term Financial Plan
A financial plan is not something you create once and never revisit. Life changes, goals evolve, and unexpected opportunities and challenges appear along the way. This workbook helps you organize your long-term financial goals, identify the steps needed to reach them, and create a practical roadmap you can review and update as your circumstances change.
This Download Includes
✓ Money Habits Personal Financial Roadmap Workbook
A printable workbook that helps you define your long-term financial goals, organize key financial priorities, establish realistic milestones, identify potential obstacles, and create an action plan that keeps your financial decisions aligned with the future you want to build.
A Final Thought
The goal of these resources isn’t to help you create a perfect financial life. It’s to help you make your next financial decision with a little more clarity and confidence than the last one.
Use these worksheets whenever life changes, review your progress regularly, and remember that lasting financial success is usually the result of consistent habits—not perfect decisions.
Thank you for allowing me to be part of your journey.