This is a freebie from The Old Schoolhouse. If the crunch of the Christmas season (we have several birthdays and anniversaries to add to the financial load too) has got you thinking more seriously about dollars and sense, or if you are already pondering those New Year’s resolutions to manage your credit or eliminate it altogether, OR if you simply want to use this to help prepare your kids to be responsible stewards, this is a good free tool. Go here to cash in.