Financial Tools
Self-help
assessment
Budgeting and goal setting are critical
to your financial success. Utilizing the following tools can help you develop a
comprehensive budget and work toward meeting your financial goals. For
individual assistance, contact the Airman and Family Readiness Center at
634-3366.
To access these files, right click and select "Save Target As" to safe to your computer.
| Budget Spreadsheet | Utilize this Excel spreadsheet to set goals and establish a budget that covers all your expenses. A tab on Goals is included at the bottom of page and totals will be transferred to your budget. Completion of this budget spreadsheet is desirable prior to scheduling an individual assessment by the AFRC staff. |
| Risk Tolerance Tests | When investing, you need to know your tolerance for market volatility. Take this test and determine what type of investor you should be. This is a Microsoft Word document. |
| Used car assessment | Multi-point inspection tool for used cars. Assists in ensuring you pay a fair price for the vehicle. Also calculates auto loan payments. This is a Microsoft Excel document. |
| Auto loan comparison | Auto loan comparison tool to determine how interest rates and prices affect your monthly payments. This is a Microsoft Excel document |
| Real Estate loan calculator | Amortization table and monthly payment calculator for Real Estate. Can be used to calculate monthly payments, affects of extra principle payments, total amount paid, etc. This is a Microsoft Excel document. |
The following calculators and information can help you manage your finances, compare loans, reduce debt, and learn about investing. Click on the hyperlink to visit the websites.
| Banking,
Investments, and Insurance |
|
| Balancing your accounts | Excel spreadsheet to help you track and balance your debit card/checking account |
| Bankrate.com | Find the best rates on CDs, home loans, banks, etc. |
| Bloomberg.com | Calculators for currency exchange, loans, mortgages and investments |
| Military Saves | Tools on saving, getting out of debt, car purchases and more |
| Thrift Savings Plan | Complete information on the Thrift Savings Plan |
| Life and Hazard Insurance | Can your insurance company pay off on your life, home or car insurance? |
| Are your investments safe? | Security and Exchange Commission: information on brokerages, licensing, etc. |
| Risk Assessment | How much risk are you willing to accept when investing? |
| Credit and Debt | |
| PowerPay.org | Learn how to pay off your debt faster and save money by paying less interest |
| Reducing Debt | Learn to reduce your debt and save money by paying less interest |
| Credit Score Calculator | Estimate your FICO score to determine if you need to change your credit habits |
| Credit Scores | Obtain your actual FICO score |
| Experian | Obtain your credit report from one of the three major credit reporting agencies |
| Equifax | Obtain your credit report from one of the three major credit reporting agencies |
| Transunion | Obtain your credit report from one of the three major credit reporting agencies |
| Consumer Resources | |
| Better Business Bureau | Look at consumer complaints and resolutions from the Better Business Bureau |
| Identity Theft | Learn what to do when your identity is stolen |
| Compensation and Retirement |
|
| Military Pay | Learn about your military pay, access your leave and earnings statement and more |
| CSB/Redux Calculator | Learn the real cost of CSB/Redux and your military retirement |
| Value of military pay | Converts your total military compensation package to its civilian payroll equivalent |
| Retiree Pay | Estimates your military retirement |
| Social Security | Link to the Social Security Administration |
| Emergency Assistance | |
| Federal Employees | Special assistance for Federal employees during emergencies |
| Air Force Aid Society | Special assistance for military members during emergencies |
| Red Cross | The American Red Cross offers emergency after hours assistance |
| Buying a New or Used Vehicle |
|
| Car Buying Discounts | Military Miles offers discounts on car purchases to military members |
| Vehicle pricing guide | Offers buyers information on what dealers pay for cars, average selling price and retail values |
| Vehicle pricing guide | Offers buyers information on what dealers pay for cars, average selling price and retail values |
| Vehicle pricing guide | Offers buyers information on what dealers pay for cars, average selling price and retail values |
| Advice on buying a car | Advice on purchasing new and used cars and how to save money |
| CarFax | CarFax offers a history search of accidents, floods, fires, and more on used cars |
| Recalls and defects | Look up recalls and defects for most makes and models |
| Buying a Home | |
| Buying a home | Housing and Urban Development offers many excellent information and tools |
| Median home prices | Provided by the National Association of Realtors |
| Zillow.com | Estimates of a homes current value and prior sales information |
| Domania.com | Prior sales prices on homes |
| VA Home Loan Program | Learn what you need to know about the VA Homeloan Guarantee program |
| Projecting Home Values | Get data on major cities and the prospects of home value increases or declines |