Personal Finance Resources

This budget spreadsheet is an excel document, computational tool, to help you and your ʻohana oversee and manage financial goals. This customizable document generally helps to tabulate, estimate, and budget according to your individual resources.

Budget Spreadsheet

Account Utilization Spreadsheet

Utilization refers to how much of your credit balance you’re using at a given time. Use this Excel spreadsheet to help determine your utilization.

Dispute Letter

Click the button below to download a sample letter to help you dispute incorrect information on your credit report.

DIR Worksheet

Click the button below to download the DIR Worksheet, a word document that allows you to track and input your itemized monthly income, monthly expenses, and loan uses. This worksheet helps you calculate your debt to income ratio (DIR) by looking at your monthly expenses vs your monthly income.

DIR Spreadsheet Template

Click the button below to download an excel spreadsheet, the DIR Template, that will help you calculate all of your credits, balances, and help you to see exactly where your money and loan are being spent. Use this plan to help you bring down your debt to income ratio (DIR), which looks at your monthly expenses vs your monthly income.