Take control of your money with tech on your side. This printable workbook walks you through tracking your spending with free apps, finding your money leaks, building a 50/30/20 or zero-based budget, choosing a debt snowball or avalanche payoff plan, understanding the 5 factors behind your credit score, pulling your free credit reports and disputing errors yourself, and automating good habits. Includes budget, debt list and money goals worksheets. 8-page instant-download PDF. Educational only; not personal financial advice.