Below are the MSU Extension resources that are included in the packet.

• Cover Letter (Updated February 2011)
  
  
• Developing a Spending Plan
  A spending plan helps reduce the need for consumer credit, save for things wanted and live within income. This MontGuide with worksheets will help you balance your income and expenses so that money is available for the things your family needs most.
  
  
• Schedule of Non-monthly Living Expenses
  Your monthly budget may seem lower than it really is if you forget to include annual or periodical expenses such as insurance, property taxes, or holiday gifts. This MontGuide includes instructions and a worksheet for establishing the true cost of your
  family's non-monthly living expenses.
  
  
• Helping Friends Cope With Financial Crisis
  Understanding how to reach out to a friend experiencing a financial crisis can help you assist them during their time of need.  Knowing what resources are available can prepare you to help your friend and being aware of signs of depression can alert you to a friend's need for professional help.
  
  
• Montana Medical Care Savings Account
  An Medical Care Savings Account (MSA) can provide a deduction from Montana state income tax. This MontGuide explains who is eligible, what expenses are allowed, and how to set up an MSA.
  
  
• Using a Homestead Declaration to Protect Your Home from Creditors
  By signing a legal document known as a homestead declaration, you can protect up to $250,000 in value of your home against creditors' claims. Includes sample forms
  
  
• Using a Check Register to Track Your Expenses
  Explains how to transform your own check register into a handy budgeting tool.
  
  
• Track'n Your Savings Goals
  It takes a lot of effort to decide on a savings plan and stick with it. This MontGuide shows you how to use an innovative technique to track progress towards achieving your family and personal savings goals.
  
  
• Family Financial Management Publications Brochure