Apprisen - Resources To Achieve Financial Health -

Featured Resource

Fritter Finder

Carry the Fritter Finder with you and easily track your spending.

Download PDF See More Resources

Upcoming Events

Financial Workshops

Help spread the wealth of financial health! Apprisen provides high quality, financial education workshops to organizations and community groups. We present practical information to help people learn how to get and stay on track with their money. Possible workshop topics include, but are not limited to:

Budgeting Basics
Managing Student Loans
Credit Reports & Scores
Preparing for Homeownership
Managing Credit & Debt
Identity Theft & Scams
Retirement Planning

If you are interested in bringing effective financial workshops to your group, a member of our professional education staff will work directly with you to identify the needs of your audience and customize a presentation based on your objectives.

Schedule a Workshop Today

Create a list of what you own (assets) and what you owe (liabilities) to determine your net worth.

Net Worth Statement

Record your monthly income and itemized monthly expenses to see where your money is going.

Basic Cash Flow Statement

Check for warning signs of overindebtedness long before creditors start sending collection notices.

Debt Test

calculate your debt-to-income ratio, which is what lenders use to measure your ability to manage monthly payments and repay debts.

Debt Ratio Analyis

As a DMP client, visually track your debt payoff progress with this fill-in worksheet. It's a powerful tool to keep the momentum.

DMP Payoff Tracker

Think of goals as dreams with deadlines. Use this form to help you identify your need for emergency savings, short-term and long-term financial goals, and a time frame for achieving them.

Savings Goal Worksheet

Carry the Fritter Finder with you and track where you spend your money.

Fritter Finder

Plan for major expenses that occur throughout the year on an irregular basis.

Periodic Expense Worksheet

Use this form to know how much actual money you have in your checking account at any given time.

Checkbook Balance Form

Personal Finance Calculators, from home financing to managing your retirement.

Financial Calculators

Use this form to request your credit report in writing from any, or all, of the nationwide consumer credit reporting companies.

Credit Report Request Form

Go to this official site to obtain your free credit report.

AnnualCreditReport.com

Determine if your monthly debt payments put you at risk

ScoreInfo.org

Find helpful consumer information on credit reports and scoring.

FTC.gov

Here are ways to cope with crisis-related financial stress.

Ways to Cope With Crisis Related Financial Stress

As communities across the nation are experiencing temporary closure of businesses, schools, etc. due to COVID-19, many will be financially impacted. Here are some action steps that can help protect your financial health.

COVID-19 & Your Financial Health: Action Steps

Many of us are feeling the effects of a crisis right now, including experiencing loss of income. Download this free resource for ways to make your money go farther.

Loss of Income: Make Your Cash Go Farther

If you're feeling anxious right now you are not alone. Many nurses are experiencing higher than normal stress. Download this free resource on how to cope with COVID-19 related stress.

Nurses: Coping with Covid-19 Stress

The 4 steps in this free download can help put you in the best position to confront an economic downturn & the job losses in a pandemic.

Pandemic-Proof Your Career

Teachers have been navigating unprecedented challenges adding stress & pressure to their daily lives due to COVID-19. Here are a few practical tips to add a little more balance for teachers.

Work-Life Balance In Your Virtual Classroom

Private student loans are not affected by the CARES Act. Here are some options to continue making your payments on time or to contact your loan servicer about hardship options.

What to do With Your Private Student Loans During the Coronavirus Crisis