Budgeting Tools and Resources
We have compiled a list of Apps, Websites, Workbooks and Tool Kits as well as a selection from the NH Family Voices Lending Library to assist you in continuing to build upon the skills that you learned.
Assistive Apps
Good Budget App A digital personal finance and household budgeting app based on the classic envelope budgeting system.
Key Features:
- Digital Envelopes: Divide your income into virtual spending categories (like groceries, gas, or rent) instead of keeping it in one general pool.
- Household Syncing: Share and sync your budget in real time with a partner, spouse, or family member across devices.
- Flexible Schedules: Set budget cycles to match your pay schedule, including monthly, weekly, bi-weekly, or semi-monthly.
- Debt & Goal Tracking: Plan for long-term savings goals, irregular annual expenses, and debt payoff progress.
Every Dollar App a zero-based budgeting app by Ramsey Solutions built to help you assign a job to every dollar you earn until your remaining balance equals zero.
Key Features:
- Zero-Based Budgeting: Plan your monthly income against expenses, savings, and giving goals.
- Unlimited Categories & Line Items: Create, rename, or customize budget groups and categories to match your lifestyle.
- Manual Transaction Tracking: Log your income and expenses manually through the mobile app or desktop.
- Sinking Funds & Rollovers: Convert any budget category into a fund to roll unspent money over to the next month.
- Split Transactions: Divide a single transaction across multiple budget categories.
- Bill Due Dates & Reminders: Track upcoming bills and due dates inside your budget.
- Live Human Customer Support: Access support directly through the app.
Guava Budget App is a personal finance and expense-tracking mobile application developed by Guava LTD.
Key Features:
- Expense Tracking: Record daily spending and sort expenses into custom categories.
- Bill & Subscription Reminders: Set alerts for recurring subscriptions and one-time payment due dates.
- Reports and Insights: View visual charts and analytics to understand money habits.
- Data Backup: Keep financial logs safely backed up.
Websites
National Disability Institute: Financial Resilience Center an online hub created by the National Disability Institute with support from the Wells Fargo Foundation. It helps individuals with disabilities and chronic health conditions build financial security and navigate economic challenges.
Key Features
- Public Benefits: Guides on SSDI, SSI, work incentives, and managing overpayments or living arrangements.
- Employment & Income: Support for job seekers, unemployment resources, and programs like the American Dream Employment Network (ADEN).
- Credit & Identity Protection: Financial tools, credit-building advice, and identity theft protection through a partnership with Experian.
- Money Management: Tools for budgeting, tax credits, free tax preparation, and ABLE account savings.
- Housing, Food & Health: Information on community supports, accessible technology, and healthcare resources.
Disability Hub Your rights explained. The system simplified. All in one accessible place. The Disability Facility Hub, designed by the NH Disability Center is a user-friendly, searchable database that provides one-stop access to key information about facilities serving youth and adults with disabilities in New Hampshire.
Key Features
- A user-friendly, searchable tool
- Easy-to-understand information about each facility, including how many people it serves, photos, licensing lookup, and past reports (including police involvement).
- Clear explanations of the rights and legal protections residents have—customized for each facility.
- Resources and data for policymakers to support informed, data-driven decisions that protect the rights of people with disabilities and promote dignity for all.
Money Fit by DRS is a national nonprofit 501(c)(3) credit counseling and debt relief organization operated by Debt Reduction Services, Inc. since 1996.
Key Features
- Credit Counseling: Free, confidential budget and credit reviews to evaluate unsecured debts (credit cards, payday loans, and collections).
- Debt Management Plans (DMPs): Combines eligible unsecured debts into a single monthly payment sent through Money Fit, working with creditors to lower interest rates or waive fees (note that participating typically involves closing open accounts, which can impact credit scores).
- Specialized Guidance: Housing counseling, bankruptcy counseling, fraud protection resources, and a low-income resource directory.
- Financial Education: Free online guides, calculators, podcasts, and instructional videos.
Workbooks and Toolkits
Managing My Money: Banking and Budgeting Basics By Nathan Hale
Learning to manage money is one of the most important skills needed to achieve independent living for teens and adults with Down syndrome, autism, and other intellectual disabilities. Managing My Money offers plenty of encouragement, clear instructions broken down into small steps, practice opportunities, color-coded forms, and large scale graphics to make abstract money managing concepts concrete. Anyone whose math and writing skills are at a first-grade level or higher can follow the lessons in this workbook, assisted by parents or other adults, and aided by a calculator.
Key Features:
Keep Records: a unique, color-coded method helps readers record payment and deposit transactions on a ledger form; compute the account balance on a checkbook-like balance sheet;
Keep a Budget: distinguish between expenses that are needs vs. desires; appreciate the benefits of saving;
Keep a Checking Account: open an account; write checks; use a color-coded check register to record deposits, checks, and ATM withdrawals; make deposits; balance the account.
Common Cents: A Budget Workbook – The Totally Approachable, Not-Scary Guides By Meleah Bowels & Elise Williams Rikard
Money makes the world go ‘round, but it doesn’t have to make your head spin! This budgeting workbook is packed with easy-to-use worksheets, money-saving tips, advice from financial experts, and prompts to help you set (and achieve) realistic financial goals. Customizable monthly budgets let you record and manage your expenses by category, as well as see the big-picture impact of day-to-day decisions. But setting up a good budget isn’t just about tracking daily spending; it’s about long-term financial health—so Common Cents will also help you start saving, building up an emergency fund, paying off your debts, and learning how to invest in your future.
Key Features:
- Non-boring breakdowns of financial basics
- Budgeting, purchase-planning, and goal-setting worksheets
- Step-by-step guides to getting out of debt and building your savings
- Tips that will help keep you right on track
Explore Financial Planning Books in our Lending Library
The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child’s Life
Special Needs Trusts: Protect Your Child’s Financial Future
Leave money to a loved one with a disability—without losing benefits
Use a special needs trust to provide financial security for your child (or anyone) with a disability, without jeopardizing important government benefits. Funds in a special needs trust, when used correctly, do not count against eligibility for benefits and can be spent to improve the quality of your child’s life.
This book provides everything you need to know about special needs trusts—whether you make one yourself with this book or have an attorney draft one for you. The authors explain:
• how special needs trusts work
• the trustee’s role
• ways to pass important information to successor trustees, and
• the pros and cons of joining a pooled trust.
Managing My Money: Banking and Budgeting Basics
Learning to manage money is an important skill for teens and adults with Down syndrome, autism, and other intellectual disabilities. This book has clear instructions broken down into small steps, practice opportunities, color-coded forms, and large scale graphics to make abstract money managing concepts concrete. Anyone whose math and writing skills are at a first-grade level or higher can follow the lessons, with assistance and a calculator.







