Financial Checkup

A private, plain-language tool to help you understand your current financial situation and choose practical next steps.

Your information stays private. Nothing you enter is sent to Joel M. Winston & Company, Hutto Bible Church, the Benevolence Ministry, or anyone else. This tool does not ask for your name and does not save your answers to a database.

This tool provides general educational guidance. You may adopt, change, use, or dismiss any suggestion at your sole discretion. It does not replace professional financial, legal, tax, credit, or investment advice, and using it is not a condition for receiving assistance.

I understand that this is a private self-help and educational tool.

What needs attention?

Select everything that applies today.

Immediate concerns Rent, mortgage, eviction, or housing deadline Utility shutoff or past-due essential service Not enough food or household essentials Transportation problem affecting work or essential needs Medication or urgent health-related expense None of these

Closest important deadline

Money available each month

Use your best estimate. Exact numbers are helpful, but estimates are acceptable.

Take-home pay

Benefits or support receivedExamples: Social Security, child support, unemployment

Other regular income

Money available todayChecking, cash, or immediately available savings

Monthly expenses

Enter what your household normally pays each month.

Housing

Utilities

Food and household essentials

Transportation

Insurance

Medical and medication

Child or dependent care

Minimum debt payments

Other essential expenses

Flexible or nonessential spendingEntertainment, subscriptions, dining out, and similar spending

Your Personal Action Plan

Generated from the estimates you entered. Review each suggestion and decide what fits your circumstances.

Monthly income$0

Monthly expenses$0

Estimated balance$0

Start here

Your next seven days

Your next 30 days

Need additional help? You may choose to share this plan with a trusted person or financial coach. For local assistance, visit 2-1-1 Texas. For reliable consumer-finance information, visit Consumer Financial Protection Bureau resources.

This plan is educational and based only on the information entered. It cannot account for every circumstance and does not guarantee a particular result.