Welcome
Your Money Skills Program
This workbook helps you navigate your financial future with confidence. Start by adding your name so your certificate is ready when you complete the program.
Financial Literacy for Life
Money Skills Program
A guided interactive workbook for setting goals, building a budget, understanding credit, and earning a Keystone completion certificate.
Interactive Workbook
Financial Literacy for Life
Complete the steps, save your progress in this browser, and print a certificate plus a branded Money Skills Blueprint with your answers.
- Set goals that connect to your real life.
- Build a simple budget and emergency plan.
- Understand credit, debt, and next actions.
- Finish with a personal money action plan.
Goals
What Are Your Goals?
Clarifying your thoughts and feelings about money helps you set and achieve financial goals.
Roadmap
Roadmap to Your Financial Future
Map your goals across four time horizons so each one becomes more concrete.
S.M.A.R.T.
Set a S.M.A.R.T. Goal
Make your goal Specific, Measurable, Achievable, Relevant, and Timely.
Small Changes
Small Change, Big Difference
Small repeated decisions can create financial breathing room over time.
Budget
Build Your Monthly Spending Plan
A budget is a plan for how money moves in and out before the month controls you.
Needs & Wants
Needs, Wants, and Tradeoffs
Understanding needs and wants helps you protect essentials while still making room for joy.
Credit
Understand Credit
Credit can open doors when managed well. Start by knowing what affects your score and what actions are within reach.
Debt
Create a Debt Paydown Plan
Debt plans work best when they are specific, realistic, and tied to cash flow.
Action Plan
Complete Your Money Skills Plan
Finish with three practical actions you can take in the next 30 days.
Certificate of Completion
Money Skills Program
Keystone Participant
has completed Keystone Advisory Council's Money Skills Program on .
Keystone Money Skills Blueprint
Your Financial Action Packet
Prepared for Keystone Participant with goals, budget notes, credit actions, debt strategy, and next steps from this workbook.
KAC
Ready
Ready
Monthly income-
Planned money-
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Goals and Learning Focus
- Focus areas: None selected yet
- Top savings goals: Not answered yet
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S.M.A.R.T. Goal
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- Relevant: Not answered yet
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Budget and Money Habits
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- Needs: Not answered yet
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Credit and Debt Plan
- Credit actions: None selected yet
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- Debt focus: Not answered yet
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30-Day Action Plan
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