What’s on your list of New Year’s resolutions? If you’d like to improve your financial life in 2021, a financial plan could be your most useful tool. Learn why a financial plan should make your list — and how you can stick to your resolution.

Does understanding or improving your credit score seem like a mystery? Learn about the importance of credit and what goes into a credit score along with ways to improve each factor. Then watch your score tick up!

Are you familiar with the “seasons” of financial planning? As our lives change, the phases we experience as we work toward our goals evolve, too. Learn about these seasons and how you can adapt your financial plan to each.

Do you put your money where your mouth is? Learn how you can create S.M.A.R.T. goals to help you position your money in a way that reflects both your current and aspirational values. Plus, you'll find examples and a handy worksheet you can use to develop your goals and put them into action, creating new habits along the way.

How much should you keep in your emergency fund? Learn the purpose of an uh-oh fund, what it can cover — and how you can set yours up. Plus, our table can help you target the amount you may want to stash in yours.

Why do we offer free personal finance tools to everyone who visits our website? Because everyone deserves access to these tools to improve their financial lives.