Some climbs go better with a pencil. These one-page worksheets come straight from our most-used guides. Print them, fill them in at the kitchen table, stick them on the fridge. No email signup, no strings.
Who to Call When You Can’t Pay a Bill
Behind on a bill and not sure who to call? One page with a short script you can read to any company, a spot to write down what they agree to, and a checklist of free U.S. help: 211, LIHEAP energy help, Lifeline, your utility, NFCC nonprofit credit counseling, HUD-approved housing counselors and the CFPB. We checked every phone number and link against the official site.
Full list with links: Who to Call When You Can’t Pay a Bill
Download the PDF (US Letter)
Every Debt on One Page
A single-page debt list with the five numbers that matter for each debt: balance, APR, minimum payment, due date and notes. Totals row at the bottom, plus a 30-minute checklist for building it tonight.
Guide: Put Every Debt on One Page
Got your list? Plug it into our free debt payoff calculator, or read the snowball vs. avalanche guide to pick a method.
Download the PDF (US Letter)
Hardship Call Script & Checklist
For when the minimum won’t fit. A before-you-dial checklist, a fill-in-the-blank script to read out loud, the questions to ask before you say yes, and space to note who you spoke to and what they agreed to.
Guide: The Hardship Call Script
Download the PDF (US Letter)
Bills & Paydays Calendar
A blank monthly calendar with a bills list, payday log and weekly in-vs-due check, so you can spot the crowded weeks before they hit and decide which due dates to ask to move.
Guide: Line Up Your Bills With Your Paydays
Download the PDF (US Letter)
Ask for a Lower Interest Rate: Phone Script
A one-page script for calling your credit card company to ask for a lower rate. Fill in the blanks, add the line that fits your situation, check off what to ask if they say yes (or no), and write down who you talked to.
Guide: What to Say When You Call to Ask for a Lower Interest Rate
Download the PDF (US Letter)
Credit Report Dispute Letter Template
Found a mistake on your credit report? A fill-in-the-blanks dispute letter, plus a checklist page with what to put in the envelope, the three bureau dispute addresses the FTC lists, and what happens next. Print the PDF, or type into the Word version.
Guide: Credit Report Dispute Letter Template
Download the PDF (US Letter) Download the Word file (.docx)