My money steps worksheet

My money steps worksheet

Date: ____________

Step 1. Safe this week? (circle)

• Food every day: Yes / No
• Housing paid or a plan: Yes / No
• Lights, gas, water on: Yes / No
• Urgent care or medicine: Yes / No
• Everyone safe: Yes / No If any No: call ______________ today. (211, Samaritan House South (650) 294-4312, Sacred Heart (408) 278-2160)

Step 2. Income protected?

• I am paid all I earned
• I checked for bill discounts (PG&E CARE)
• I filed taxes and claimed credits
• I am not taking new payday loans

Step 3. Small cushion

• My first target: $______
• I will save $______ each payday
• Saved so far: $______

Step 4. Safe place for money

• I have a bank or credit union account
• Any app I use passed the safety check

Step 5. Credit

• I started building credit (lending circle, secured card or other)
• I have a plan for my debts

Step 6. My goal

• Goal: ______________________
• Amount: $______ By when: ______

My one step this week:

From Money Steps Worksheet. Facts checked October 21, 2026. Free information, not legal or medical advice.