Financial Empowerment Course and Resources

Whether you have or have not taken the Coconino County Health and Human Services online Financial Empowerment course, these tools can help you focus on different areas of your relationship with money.

Click here to start the Financial Empowerment class. You will be asked to register so that you can start the course and receive a certificate with your name. Coconino County Health and Human Services does not share your information with other organizations.



Financial Empowerment Tools 

Daily Spending Diary
  • Get to know your true reality
  • Become aware of your spending habits
Income and Expense Worksheet
  • List all your income and expenses. Detailed form helps you include them all!
Setting Financial Goals
  • Turn your dreams into action!
    • Brainstorm - Set short- and long-term goals
    • Develop SMART goals
    • Create an Action Plan
    • Figure out Weekly Targets
Financial Boundaries
  • Set boundaries that help you improve your financial future
Cash Flow Calendar
  • Write down the days your money comes in and goes out
  • Help yourself schedule payments at better times of the month
Envelope Budgeting System
  • You may want to try this if you have lots of overdraft fees
Debt Worksheet
  • Take the first step in managing and reducing your debt
Debt-to-Income Ratio
  • If you are planning to make a big purchase, lenders may want to know your debt-to-income ratio
Debt Reduction Worksheet
  • Figure out how to pay off your debt!
My Savings Rule to Live By
  • Create your own financial rules to live by!