Processes and Skills
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Tools are helpful instruments used to gather and organize information for making appropriate money management decisions. Most tools are available in different forms to meet individual needs and preferences.

Budget forms/spending plans
List of goals
List of wants and needs
Comparison-shopping charts
Record keeping systems
Tracking spending methods
Net worth statements
Income and expense records
Household inventories
  Consumer guides
  Tax records/plans
  Risk management plans
  Investment plans
  Retirement plans
Estate plans

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