ClearPoint

Credit Counseling Services

Credit Counseling Services Overview

How Credit Counseling Works How the Debt Management Program Works What Our Services Cost

Financial Tips

Ways to Save Money How to Improve Your Credit Managing Credit When Your Life Changes

Budgeting Tools and Calculators

Housing Counseling

Group Presentations

Client Testimonials

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ClearPoint Offers more than Credit Counseling and Debt Management Programs. All of our financial services are designed and tailored to help achieve financial goals for you and your family.

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Credit Counseling
You Can Trust.

Build a Budget

Smart money management begins with building a sensible budget. Use this monthly budget calculator to acquire an objective view of your finances. Then seek new ways to balance your expenses and get the most out of your current income.

Step 1: Monthly Income

Your Gross Monthly Pay (Before Taxes and Deductions)	$
Your Monthly Take Home Pay	$
Spouse's Gross Monthly Pay (Before Taxes and Deductions)	$
Spouse's Monthly Take Home Pay	$
(Take Home Pay is Net pay plus any loans automatically deducted from your pay check. Mortgage, Auto, etc.)
Other Monthly Income	$
Total Monthly Take Home Pay:	$

Step 2: Monthly Expenses

Housing
Rent & Mortgage 1	$	2nd Mortgage	$
Condo & Homeowner's Fees	$	Home & Renters Insurance	$
Property Taxes	$	Home Repairs & Maintenance	$
Electric & Gas	$	Water & Sewer	$
Phone & Cell	$	Cable & Internet	$
Transportation:
Car Payment 1	$	Car Payment 2	$
Car Insurance	$	Gasoline	$
Car Maintenance	$	Parking/Tolls	$
Food and Personal:
Groceries & Household Suppl	$	Clothing for Family	$
Meals Out	$	School Lunches	$
Barber & Beauty Shop	$	Dry Cleaning & Laundry	$
Tobacco & Alcohol	$	Newspaper & Magazines	$
Health and Education:
Health Insurance & Co-Pay	$	Prescriptions	$
Life Insurance	$	School Supplies	$
Student Loan	$	College Tuition	$
Child Care	$	Child Support	$
Other:
Hobbies & Sports	$	Pet Care	$
Church & Charitable Donation	$	Gifts & Holidays	$
Delinquent Tax Payments	$	Other Expenses	$
Total all Credit Cards	$	Total all Store Cards	$

Total Monthly Expenses:

Step 3: Monthly Surplus or Deficit

Total Monthly Income:	$
Total Monthly Expenses:	$
Monthly Surplus/Deficit(-) :	$

Start Your Debt Management Program Now.

If a DMP is right for you, you will learn to successfully reduce your debt through:

Financial review
Budget analysis
Action plan

	Financial Fitness Quiz
	Debt-to-Income-Ratio Calculator
	Monthly Budget Calculator
	Car Cost Calculator
	Bi-Weekly Mortgage Calculator