9.4: References
American Consumer Credit Counseling. (n.d.). Household budgeting worksheet. Retrieved from http://www.consumercredit.com/media/53237/household_budgeting_worksheet_2013.pdf
American Consumer Credit Counseling. (2013, June 26). How to build savings by cutting back. Retrieved from http :// www . consumercredit . com / media /90298/ Save – by – Cutting – Back -2013. pdf
American Consumer Credit Counseling. (2015). Daily Expense Tracker. Retrieved from http :// www . consumercredit . com / media /11395/ daily – expense – tracker . pdf
American Consumer Credit Counseling. (2015). Debt-to-Income Ratio Calculator. Retrieved from http :// www . consumercredit . com / media /11405/ debt – to – income – ratio . pdf
Leahy, W., Fuzy, J., & Grafe, J. (2013). Providing home care : A textbook for home health aides (4th ed.). Albuquerque, NM: Hartman.
NYSEG. (n.d.). Home energy use guide. Retrieved from http :// www . rge . com / MediaLibrary /2/5/ Content % 20 Management / Shared / YourAccount / PDFs % 20 and % 20 Docs /13-0061% 20 NR % 20 Home % 20 Energy – Use % 20 Guide %20 Sheet . pdf
NYSEG. (n.d.). Usage and safety: Heating and cooling. Retrieved from http :// www . nyseg . com / UsageAndSafety / usingenergywisely / energywisechecklist / heatingandcooling . html
NYSEG. (n.d.). Usage and safety: Kitchen, bath, and laundry. Retrieved from http :// www . nyseg . com / UsageAndSafety / usingenergywisely / energywisechecklist / kitchenbathlaundry . html