Money Management

Keeping your finances in good shape is a challenge. You can start by learning how to manage your money.

This section shows you how to:

Separate your needs from your wants
Calculate your monthly income
Make a budget and stick to it
Set priorities
Develop good spending habits
Use credit and debit cards wisely
Avoid overspending during the holidays
Save money for the future

Use the links below to get started:

Wants vs. Needs - Before you learn how to manage your money, it's important to understand the difference between what you need and what you want.
Budgeting - A budget measures your income (the money you make) against your expenses (the money you spend). Budgeting helps keep you from spending more money than you make.
Spending Habits - A bad habit can be hard to break, especially if you don't know you have one. Ask yourself these questions to find out where you can improve your spending habits.
Saving - A bad habit can be hard to break, especially if you don't know you have one. Ask yourself these questions to find out where you can improve your spending habits.
Credit Cards - How can you stick to your budget while using credit cards? It's so easy to charge everything you buy. But then the interest charges pile up, and pretty soon you've maxed out your credit.
Credit Counseling - If you have trouble paying down your debts or just can't seem to break bad spending habits, credit counseling help is available.

 

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