Job well done! You read Step 3, the Ask section, and learned what to ask and where to inquire about housing subsidies and homeownership assistance programs for persons with disabilities and low-to-moderate income households. Now you are ready for Step 4, the Prepare section. Step 4 introduces you to free programs that can help you prepare to rent or buy a home and strategies to improve your credit and money management.
In Step 2, You learned how to use the Income Tracker Form in The Guide to record your sources of income. It helps to track your expenses or bills to manage your money. You also want to create a Household Budget to determine how much you can pay monthly for rent or a mortgage.
A. What is a Household Budget.
B. What is Credit
C. Why Review Your Credit Report
D. Why are Credit Scores Important
E. What are Good and Bad Credit Scores
F. How to Improve Your Credit and Scores
G. How to Build Credit if You Have None
H. How Long Does Negative or Derogatory Information Stays on Your Credit Report
I. How Can Housing Counseling Prepare You to Live Independently
J. How to Contact a Housing Counselor
K. What is a Housing Action Plan (HAP)
L. What Documents to Keep Updated During Your Housing Search