{ "document_id": 15898, "filename": "Tip-Sheet-Understanding-Personal-Finance-Budgeting-Saving-and-Credit.pdf", "engine": "paddleocr_vl", "source_run_id": 16009, "generated_at": "2026-11-04T11:56:19+00:00", "page_count": 2, "counts_by_type": { "figure": 3, "footer": 2, "header": 1, "heading": 9, "link": 3, "list": 9, "list_item": 28, "text": 14, "title": 1 }, "timings": { "total_ms": 992, "structure_ms": 421, "text_layer_ms": 15, "build_ms": 8 }, "pages": [ { "document_id": 15898, "page": 1, "width": 612, "height": 792, "rotation": 0, "pipeline_version": "paddleocr-vl-1.6+paul-48", "width_pt": 612, "height_pt": 792, "engine": "paddleocr_vl", "source_run_id": 16009, "item_count": 31, "counts_by_type": { "figure": 2, "footer": 1, "header": 1, "heading": 3, "list": 4, "list_item": 10, "text": 9, "title": 1 }, "build_ms": 3, "items": [ { "id": "p1.1", "order": 1, "type": "figure", "bbox": { "l": 50.64, "t": 739.68, "r": 262.08, "b": 676.8 }, "text": "", "attrs": { "role": "page_header", "block_label": "header_image" }, "reading_order": 0 }, { "id": "p1.2", "order": 2, "type": "header", "bbox": { "l": 298.32, "t": 717.6, "r": 564.96, "b": 658.32 }, "text": "Tip Sheet: Understanding Personal\nFinance: Budgeting, Saving, &\nCredit", "attrs": { "block_label": "header" }, "level": 2, "reading_order": 1 }, { "id": "p1.3", "order": 3, "type": "text", "bbox": { "l": 37.44, "t": 605.04, "r": 272.16, "b": 490.08 }, "text": "Financial literacy is a key to long-term financial stability, especially in today's fast-paced economy. Whether you're working a full-time job, balancing side gigs, or raising a family; understanding how to budget, save, and manage credit can transform your financial future.", "reading_order": 2 }, { "id": "p1.4", "order": 4, "type": "heading", "bbox": { "l": 38.4, "t": 472.56, "r": 196.8, "b": 458.4 }, "text": "1. The importance of Budgeting", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 3 }, { "id": "p1.5", "order": 5, "type": "text", "bbox": { "l": 37.68, "t": 455.04, "r": 276, "b": 372.48 }, "text": "A budget is a financial roadmap - it helps you take control of your money, reduce financial stress, and plan for future goals. Without a clear budget, it is easy to overspend or lose track of where your money goes.", "reading_order": 4 }, { "id": "p1.6", "order": 6, "type": "text", "bbox": { "l": 38.88, "t": 373.2, "r": 165.12, "b": 359.76 }, "text": "How to create a budget:", "reading_order": 5 }, { "id": "p1.7", "order": 7, "type": "list", "bbox": { "l": 46.8, "t": 357.12, "r": 271.2, "b": 293.04 }, "text": "", "attrs": { "item_count": 2 }, "children": [ { "id": "p1.7.1", "order": 8, "type": "list_item", "bbox": { "l": 47.28, "t": 357.12, "r": 271.2, "b": 309.6 }, "text": "Start by listing all of your sources of income (paychecks, side hustles, and any government benefits).", "marker": "-", "reading_order": 0 }, { "id": "p1.7.2", "order": 9, "type": "list_item", "bbox": { "l": 46.8, "t": 306.96, "r": 244.08, "b": 293.04 }, "text": "Break down your expenses by type:", "marker": "-", "reading_order": 1 } ], "reading_order": 6 }, { "id": "p1.8", "order": 10, "type": "text", "bbox": { "l": 65.76, "t": 290.16, "r": 274.08, "b": 276.72 }, "text": "o Fixed: Rent, car payments, insurance", "reading_order": 7 }, { "id": "p1.9", "order": 11, "type": "text", "bbox": { "l": 66.24, "t": 274.08, "r": 230.64, "b": 244.56 }, "text": "o Variable: Groceries, utilities, entertainment", "reading_order": 8 }, { "id": "p1.10", "order": 12, "type": "list", "bbox": { "l": 47.04, "t": 241.68, "r": 281.04, "b": 178.08 }, "text": "", "attrs": { "item_count": 3 }, "children": [ { "id": "p1.10.1", "order": 13, "type": "list_item", "bbox": { "l": 47.04, "t": 241.68, "r": 250.56, "b": 211.92 }, "text": "Use the 50/30/20 rule to budget your income:", "marker": "-", "reading_order": 0 }, { "id": "p1.10.2", "order": 14, "type": "list_item", "bbox": { "l": 65.52, "t": 209.04, "r": 281.04, "b": 194.4 }, "text": "50% for needs (housing, food, utilities)", "marker": "-", "reading_order": 1 }, { "id": "p1.10.3", "order": 15, "type": "list_item", "bbox": { "l": 66, "t": 191.76, "r": 275.28, "b": 178.08 }, "text": "30% for wants (entertainment, travel)", "marker": "-", "reading_order": 2 } ], "reading_order": 9 }, { "id": "p1.11", "order": 16, "type": "text", "bbox": { "l": 37.2, "t": 175.2, "r": 274.08, "b": 112.08 }, "text": "。20% for saving and debt repayment\nIn cities like Louisville and Lexington, where housing and transportation can be expensive, aim for the following based on your income:", "reading_order": 10 }, { "id": "p1.12", "order": 17, "type": "list", "bbox": { "l": 46.32, "t": 109.44, "r": 248.4, "b": 62.16 }, "text": "", "attrs": { "item_count": 3 }, "children": [ { "id": "p1.12.1", "order": 18, "type": "list_item", "bbox": { "l": 46.56, "t": 109.44, "r": 215.76, "b": 95.28 }, "text": "Keep housing cost under 30%", "marker": "•", "reading_order": 0 }, { "id": "p1.12.2", "order": 19, "type": "list_item", "bbox": { "l": 46.32, "t": 93.12, "r": 248.4, "b": 78.72 }, "text": "Limit transportation to around 15%", "marker": "-", "reading_order": 1 }, { "id": "p1.12.3", "order": 20, "type": "list_item", "bbox": { "l": 46.56, "t": 76.8, "r": 235.68, "b": 62.16 }, "text": "Prioritize savings to 10% monthly", "marker": "-", "reading_order": 2 } ], "reading_order": 11 }, { "id": "p1.13", "order": 21, "type": "figure", "bbox": { "l": 324.96, "t": 607.44, "r": 564.72, "b": 427.68 }, "text": "", "attrs": { "block_label": "image" }, "reading_order": 12 }, { "id": "p1.14", "order": 22, "type": "heading", "bbox": { "l": 322.8, "t": 406.32, "r": 456.24, "b": 392.88 }, "text": "2. Saving for Your Future", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 13 }, { "id": "p1.15", "order": 23, "type": "text", "bbox": { "l": 322.56, "t": 390.48, "r": 561.36, "b": 293.76 }, "text": "Saving money is essential to financial security. Whether you're planning for emergencies, buying a home, or preparing for retirement, building a habit of saving ensures you are prepared for the unexpected and for those long-term goals.", "reading_order": 14 }, { "id": "p1.16", "order": 24, "type": "text", "bbox": { "l": 322.56, "t": 291.12, "r": 481.68, "b": 276.48 }, "text": "Start with an emergency fund:", "reading_order": 15 }, { "id": "p1.17", "order": 25, "type": "list", "bbox": { "l": 331.44, "t": 274.56, "r": 553.2, "b": 162 }, "text": "", "attrs": { "item_count": 2 }, "children": [ { "id": "p1.17.1", "order": 26, "type": "list_item", "bbox": { "l": 332.16, "t": 274.56, "r": 543.6, "b": 227.52 }, "text": "An emergency fund is your financial cushion. Aim to save 3 to 6 months of basic living expenses.", "marker": "-", "reading_order": 0 }, { "id": "p1.17.2", "order": 27, "type": "list_item", "bbox": { "l": 331.44, "t": 224.64, "r": 553.2, "b": 162 }, "text": "Keep this money in a separate, easily accessible savings account, not in your regular checking account where it might be easy to spend it.", "marker": "-", "reading_order": 1 } ], "reading_order": 16 }, { "id": "p1.18", "order": 28, "type": "heading", "bbox": { "l": 323.28, "t": 158.88, "r": 432.96, "b": 144.72 }, "text": "Practical saving tips:", "level": 3, "reading_order": 17 }, { "id": "p1.19", "order": 29, "type": "title", "bbox": { "l": 331.68, "t": 142.32, "r": 563.52, "b": 112.32 }, "text": "- Set up automatic transfers to your savings account each payday.", "level": 2, "reading_order": 18 }, { "id": "p1.20", "order": 30, "type": "text", "bbox": { "l": 331.92, "t": 109.68, "r": 560.64, "b": 62.88 }, "text": "- Open a high-yield savings account with a credit union or online bank to earn better interest rates.", "reading_order": 19 }, { "id": "p1.21", "order": 31, "type": "footer", "bbox": { "l": 189.6, "t": 41.52, "r": 429.12, "b": 26.88 }, "text": "This institution is an equal opportunity provider.", "attrs": { "block_label": "footer" }, "reading_order": 20 } ] }, { "document_id": 15898, "page": 2, "width": 612, "height": 792, "rotation": 0, "pipeline_version": "paddleocr-vl-1.6+paul-48", "width_pt": 612, "height_pt": 792, "engine": "paddleocr_vl", "source_run_id": 16009, "item_count": 39, "counts_by_type": { "figure": 1, "footer": 1, "heading": 6, "link": 3, "list": 5, "list_item": 18, "text": 5 }, "build_ms": 5, "items": [ { "id": "p2.1", "order": 1, "type": "heading", "bbox": { "l": 35.28, "t": 756.72, "r": 206.16, "b": 742.8 }, "text": "3. Credit and Debit Management", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 0 }, { "id": "p2.2", "order": 2, "type": "text", "bbox": { "l": 35.28, "t": 740.88, "r": 284.88, "b": 660.24 }, "text": "Good credit isn't just about borrowing—it affects your ability to rent, buy a home, and get better interest rates. Managing your debt and credit wisely can open doors to more financial opportunities.", "reading_order": 1 }, { "id": "p2.3", "order": 3, "type": "text", "bbox": { "l": 36.24, "t": 657.6, "r": 257.28, "b": 642.96 }, "text": "Tips for Building and Maintaining Credit:", "reading_order": 2 }, { "id": "p2.4", "order": 4, "type": "list", "bbox": { "l": 44.4, "t": 640.8, "r": 276.96, "b": 461.04 }, "text": "", "attrs": { "item_count": 4 }, "children": [ { "id": "p2.4.1", "order": 5, "type": "list_item", "bbox": { "l": 45.12, "t": 640.8, "r": 272.16, "b": 594.48 }, "text": "Always pay bills on time. Your payment history is the biggest factor in your credit score.", "marker": "•", "reading_order": 0 }, { "id": "p2.4.2", "order": 6, "type": "list_item", "bbox": { "l": 44.88, "t": 591.6, "r": 272.88, "b": 528.48 }, "text": "Pay more than the minimum. Minimum payments keep your account current, but paying off the full balance helps avoid interest and lowers your debt faster.", "marker": "-", "reading_order": 1 }, { "id": "p2.4.3", "order": 7, "type": "list_item", "bbox": { "l": 45.12, "t": 525.36, "r": 276.96, "b": 495.36 }, "text": "Keep credit utilization low. Try to use less than 30% of your total credit limit.", "marker": "-", "reading_order": 2 }, { "id": "p2.4.4", "order": 8, "type": "list_item", "bbox": { "l": 44.4, "t": 492.48, "r": 268.8, "b": 461.04 }, "text": "Check your credit regularly for errors or signs of identity theft.", "marker": "-", "reading_order": 3 } ], "reading_order": 3 }, { "id": "p2.5", "order": 9, "type": "heading", "bbox": { "l": 35.28, "t": 443.52, "r": 199.44, "b": 429.12 }, "text": "4. Improving Your Credit Score", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 4 }, { "id": "p2.6", "order": 10, "type": "text", "bbox": { "l": 35.04, "t": 426.72, "r": 288.24, "b": 379.68 }, "text": "If your credit score needs work, don't worry - it can be improved over time with consistent effort and smart strategies.", "reading_order": 5 }, { "id": "p2.7", "order": 11, "type": "text", "bbox": { "l": 35.76, "t": 377.28, "r": 205.44, "b": 362.88 }, "text": "Steps to boost your credit score:", "reading_order": 6 }, { "id": "p2.8", "order": 12, "type": "list", "bbox": { "l": 44.4, "t": 360.48, "r": 290.64, "b": 180.96 }, "text": "", "attrs": { "item_count": 4 }, "children": [ { "id": "p2.8.1", "order": 13, "type": "list_item", "bbox": { "l": 44.4, "t": 360.48, "r": 287.76, "b": 330.48 }, "text": "Pay down credit card balances, starting with those closes to the credit limit.", "marker": "-", "reading_order": 0 }, { "id": "p2.8.2", "order": 14, "type": "list_item", "bbox": { "l": 44.64, "t": 327.84, "r": 290.64, "b": 280.32 }, "text": "Keep old credit account open unless there is a compelling reason to close them - they help your credit history length.", "marker": "-", "reading_order": 1 }, { "id": "p2.8.3", "order": 15, "type": "list_item", "bbox": { "l": 45.12, "t": 278.16, "r": 288, "b": 231.12 }, "text": "Only apply for new credit when necessary.\nToo many inquiries in a short period of time can lower your credit score.", "reading_order": 2 }, { "id": "p2.8.4", "order": 16, "type": "list_item", "bbox": { "l": 45.12, "t": 228.72, "r": 283.44, "b": 180.96 }, "text": "If you are new to credit, consider a secured credit card or being added as an authorized user on a trusted family member's card.", "marker": "-", "reading_order": 3 } ], "reading_order": 7 }, { "id": "p2.9", "order": 17, "type": "figure", "bbox": { "l": 49.44, "t": 171.6, "r": 250.56, "b": 65.04 }, "text": "", "attrs": { "block_label": "image" }, "reading_order": 8 }, { "id": "p2.10", "order": 18, "type": "heading", "bbox": { "l": 327.6, "t": 756.72, "r": 498.24, "b": 742.8 }, "text": "5. Additional Tips and Resources", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 9 }, { "id": "p2.11", "order": 19, "type": "text", "bbox": { "l": 326.88, "t": 740.4, "r": 573.84, "b": 658.8 }, "text": "Whether you’re just starting your financial journey or looking to strengthen your financial habits, a few extra tools and tips can go a long way. These additional resources can help you stay informed and on track.", "reading_order": 10 }, { "id": "p2.12", "order": 20, "type": "heading", "bbox": { "l": 328.08, "t": 641.52, "r": 498.24, "b": 627.12 }, "text": "General Financial Wellness Tips:", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 11 }, { "id": "p2.13", "order": 21, "type": "list", "bbox": { "l": 337.44, "t": 624.24, "r": 580.8, "b": 476.64 }, "text": "", "attrs": { "item_count": 3 }, "children": [ { "id": "p2.13.1", "order": 22, "type": "list_item", "bbox": { "l": 337.44, "t": 624.24, "r": 580.8, "b": 577.68 }, "text": "Set calendar reminders to review your budget monthly. Adjust based on changes in income or expenses.", "marker": "-", "reading_order": 0 }, { "id": "p2.13.2", "order": 23, "type": "list_item", "bbox": { "l": 337.44, "t": 575.28, "r": 574.56, "b": 544.08 }, "text": "Use cash or prepaid cards for discretionary spending to avoid overspending on credit.", "marker": "-", "reading_order": 1 }, { "id": "p2.13.3", "order": 24, "type": "list_item", "bbox": { "l": 337.44, "t": 542.16, "r": 578.64, "b": 476.64 }, "text": "Avoid payday loans and high-interest borrowing—these can lead to cycles of debt.\nSeek out community-based lending programs or credit unions for safer options.", "marker": "-", "reading_order": 2 } ], "reading_order": 12 }, { "id": "p2.14", "order": 25, "type": "heading", "bbox": { "l": 328.32, "t": 459.6, "r": 487.92, "b": 445.92 }, "text": "Recommended Free Resources:", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 13 }, { "id": "p2.15", "order": 26, "type": "list", "bbox": { "l": 337.2, "t": 443.28, "r": 583.2, "b": 230.4 }, "text": "", "attrs": { "item_count": 3 }, "children": [ { "id": "p2.15.1", "order": 27, "type": "list_item", "bbox": { "l": 337.44, "t": 443.28, "r": 583.2, "b": 366.96 }, "text": "Consumer Financial Protection Bureau (CFPB) – Offers tools, guides, and calculators for budgeting, paying down debt, and managing credit:\nwww.consumerfinance.gov", "marker": "-", "children": [ { "id": "p2.15.1.1", "order": 28, "type": "link", "bbox": { "l": 350.6654, "t": 374.7371, "r": 489.4154, "b": 362.7371 }, "text": "www.consumerfinance.gov", "attrs": { "uri": "https://www.consumerfinance.gov/", "action_type": "/URI" }, "reading_order": 0 } ], "reading_order": 0 }, { "id": "p2.15.2", "order": 29, "type": "list_item", "bbox": { "l": 337.68, "t": 360.72, "r": 579.12, "b": 296.88 }, "text": "Smart About Money – A free resource from the National Endowment for Financial Education, offering self-paced financial courses: www.smartaboutmoney.org", "marker": "-", "children": [ { "id": "p2.15.2.1", "order": 30, "type": "link", "bbox": { "l": 394.9154, "t": 308.7371, "r": 539.6654, "b": 296.7371 }, "text": "www.smartaboutmoney.org", "attrs": { "uri": "https://www.smartaboutmoney.org/", "action_type": "/URI" }, "reading_order": 0 } ], "reading_order": 1 }, { "id": "p2.15.3", "order": 31, "type": "list_item", "bbox": { "l": 337.2, "t": 294.96, "r": 577.2, "b": 230.4 }, "text": "Kentucky 211 (by United Way) – Dial 2-1-1 or visit www.211.org to access local assistance programs for housing, utilities, financial counseling, and more.", "marker": "-", "children": [ { "id": "p2.15.3.1", "order": 32, "type": "link", "bbox": { "l": 389.6654, "t": 275.7371, "r": 457.9154, "b": 263.7371 }, "text": "www.211.org", "attrs": { "uri": "https://www.211.org/", "action_type": "/URI" }, "reading_order": 0 } ], "reading_order": 2 } ], "reading_order": 14 }, { "id": "p2.16", "order": 33, "type": "heading", "bbox": { "l": 328.32, "t": 179.52, "r": 408.72, "b": 164.88 }, "text": "Contact Me:", "attrs": { "block_label": "paragraph_title" }, "level": 3, "reading_order": 15 }, { "id": "p2.17", "order": 34, "type": "list", "bbox": { "l": 330.415417, "t": 155.285754, "r": 531.936291, "b": 88.25825599999996 }, "text": "", "attrs": { "item_count": 4 }, "children": [ { "id": "p2.17.1", "order": 35, "type": "list_item", "bbox": { "l": 330.415417, "t": 155.285754, "r": 415.085148, "b": 142.25825299999997 }, "text": "Jessica Marquez", "reading_order": 0 }, { "id": "p2.17.2", "order": 36, "type": "list_item", "bbox": { "l": 330.415417, "t": 137.285754, "r": 531.936291, "b": 124.25825399999997 }, "text": "State Specialist for Urban Community", "reading_order": 1 }, { "id": "p2.17.3", "order": 37, "type": "list_item", "bbox": { "l": 330.415417, "t": 119.285755, "r": 453.140386, "b": 106.25825499999996 }, "text": "Resource Development", "reading_order": 2 }, { "id": "p2.17.4", "order": 38, "type": "list_item", "bbox": { "l": 330.415417, "t": 101.28575599999999, "r": 471.903494, "b": 88.25825599999996 }, "text": "Jessica.Marquez@kysu.edu", "reading_order": 3 } ], "reading_order": 16 }, { "id": "p2.18", "order": 39, "type": "footer", "bbox": { "l": 193.2, "t": 39.12, "r": 431.52, "b": 25.2 }, "text": "This institution is an equal opportunity provider.", "attrs": { "block_label": "footer" }, "reading_order": 17 } ] } ] }