Financial Tools
Practical help and a Christ-centered perspective for building a stable financial future.
Money struggles are common, not shameful. Whether you're rebuilding after a setback or just starting to think about a budget for the first time, these tools meet you where you are. There's no perfect starting point, only the next right step.
Start here if…
None of these? Call us at 931-520-4881 or stop by Monday, Wednesday, or Friday from noon to 2 PM.
Steady Steps
Our free budgeting app built for Care Center clients. Track spending, pay off debt with a step-by-step payoff plan, and set savings goals, all in one place.
Open Steady StepsFaith and Finances Class
A 12-week class where you'll learn money management alongside neighbors walking the same road, grounded in Scripture. Ask about our next cohort.
Coming soonBudgeting Basics
Build a spending plan that works even when your income changes week to week.
Saving and Emergency Funds
Start small, save consistently, and build a cushion so one bad week doesn't become a crisis.
Understanding Credit and Credit Scores
Learn what your credit score means, how to check it for free, and how to build it from nothing.
Getting Out of Debt
A clear plan for paying down what you owe and staying clear of debt traps.
Banking and Avoiding Predatory Products
Why a bank account matters and how to spot financial products designed to keep you stuck.
A Biblical View of Money
What Scripture actually says about money, work, and contentment.
Help With Utility Bills
What to do before a shutoff, and where to get help paying an electric, water, or gas bill in the Upper Cumberland.
Free Tax Help
Where to file for free, how the Earned Income Tax Credit works, and why a refund advance costs more than it looks.
Downloads
Printable worksheets and handouts from these pages, all in one place.
Irregular Income Budget Sheet
A paper worksheet for planning around your lowest paycheck.
Download(PDF)Four-Week Money Reading Plan
Twenty days of Scripture with a reflection question for each.
Download(PDF)“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.”
These tools are a starting point. If you want to talk through your specific situation, stop by during our hours or reach out. We would love to walk through this with you.
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