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This collection of worksheets is from Bite-Size Budgeting by Carl Lander, available on and other bookstores.

Creating a Strong Passionate "Why"

This is the most overlooked and most important item when it comes to building wealth. Download the worksheet and discover your "Why".

Debt-Introduction and Types

Learn the different types of debit and how to catalog your debt.

Budget Planning Form & Calculator

Download and complete the Budget Planning Form to get your complete financial snapshot.

Budget Prioritization Form

Download the worksheet to prioritize your spending for the month.

Create a Priority "Wish" List

A key resource to help you get aligned on what to buy next, reduce financial drama and stay focused on what is important.

Working With Collectors

Learn techniques to help you deal with financial hardship.


Are you ready to take back control of your finances?

As your coach, I’m here to teach you how to manage and be successful with your money for the rest of your life. Together, we’ll discuss and understand your specific situation, and develop a comprehensive plan to move you from financial crisis to financial peace!

In working with me, I will answer your questions, help you solve problems as they arise, and together we will make sure you’re achieving results.

Afterwards, you will:

  1. Always have control of your own money.
  2. Understand the plan we implement because we will make it easy to understand.
  3. See positive results by following your custom designed plan.


Carl Lander
Carl Lander


Carl Lander will enliven your next conference, training, or professional development with his passion for helping others become the best they can be in the area of personal finance.

His enthusiastic and dynamic speaking style makes him a uniquely qualified speaker on a host of financial wellness topics.

As a small business owner his careful management of both his company’s finances as well as his personal finances, combined with his training, qualifies him to coach others.

He challenges his audiences to dig deep and examine motivations for wanting to improve their financial situation. What are you chasing and why? Those answers influence your behavior with money more than you realize.

Carl will help you discover your WHY to help you and your team win.

Carl believes that regardless of our financial position, everyone, including himself, benefits from positive reinforcement, hope and encouragement, and that compelling thread runs through all his speeches and seminars.


Disclaimer: This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.



70% of people in North America live paycheck to paycheck.

- The Wall Street Journal


17% of Americans do not have enough savings to cover 1 week without a paycheck.

55% could not live 3 months or less without a paycheck.

- USA Today


The average credit cardholder has 3.5 credit cards.

One in six families with credit cards pays only the minimum due every month.

41% of college students have a credit card.

The average age at which a U.S. consumer under the age of 35 gets their first credit card is 20.8 years of age.



Mortgage debt has increased 300% since 1975 and foreclosures are up 25% over just three years ago.

- The Federal Reserve


Mortgage debt has more than doubled since the early nineties.

- The Federal Reserve


The typical bankruptcy was not a homeless guy living on the street or a high rolling real estate salesman, but a “well-educated, middle class baby boomer with big time credit card debt.”

- The Wall Street Journal


55% of Americans “always” or “sometimes” worry about their money.

- Marist Institute


There are 15.4 billion credit advertising impressions on the American public every three months!

- Jupiter Media


Conflict over money and money disputes is still one of the leading causes of divorce.

- The New York Times