Of the many ways the coronavirus crisis has upended our lives, one of the most worrisome for many is the financial stress they suddenly find themselves under. With so many businesses closed and workers laid off, millions of Americans are scrambling to figure out how they're going to make ends meet in the coming months. 

Free budgeting tools for drastic financial changes.  

Cait Flanders is well positioned to help. An author and personal finance blogger, Flanders has written extensively about her struggles to get her out-of-control spending under wraps, as well as her radical experiment in financial self-discipline -- a two-year, self-imposed shopping ban.

Obviously, choosing to buy fewer shoes and skip happy hour with friends is a far cry from suddenly seeing your income dry up due to a global pandemic, but Flanders believes the budgeting expertise and tools she developed during her drastic experiment might be able to help individuals and families currently struggling with big falls in income. 

That's why she's offering her budgeting templates and instructions to use them for free on her website (or if you prefer to do things the old-fashioned way, selling paper versions of the same tools at cost in her store). 

"There are weekly spending sheets, a monthly budget, a monthly calendar to stay organized, and two exercises to help you do monthly check-ins to see how you're feeling and quarterly check-ins to ensure your spending aligns with values," she explains. 

If that sounds like it might be helpful in these uncertain times, you can download the templates here and the instructions for how to use them here.