Library: English | Manage Your Money Wisely - Tracking your money (English)

Knowing what you spend now is the first step in creating a budget. A budget is a spending plan to help you forecast and control your expenses. To create a budget you need to know how much you spend each month - and compare that figure to your take home pay.

Library: English | Help Your Savings Grow - Leader’s Guide

This 20-page guide, written in question-and-answer format, is designed to provide background information on how to build savings. The topics include savings accounts, individual development accounts (IDAs), money market deposit accounts, certificates of deposit (CDs), U.S. Treasury investments, retirement and education savings accounts and how to figure your net worth. A section on Internet resources is also included. Only available in English.

Library: English | Saving to Build Wealth - Make money work for you (English)

This brochure provides information about the importance of saving, setting short- and long-term goals to promote saving, opening a savings account and ways to make your money grow faster, including certificates of deposit (CDs), individual retirement accounts (IRAs), U.S. Savings Bonds and college savings accounts.

Library: English | Staying on Track with Credit - PowerPoint Slides

The Staying on Track with Credit PowerPoint training file is available for download in the “Download File” section.

Library: English | Staying on Track with Credit - Lesson Plan

This packet provides guidance for teachers and team leaders. The 23-page packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)

Library: English | Questions and Answers About Obtaining and Managing Credit

By understanding how credit works, what it costs, and how to avoid accumulating too much debt, consumers can use credit to their advantage. The “Credit Training Manual” can help answer many questions about credit.

Library: English | Staying on Track With Credit: How to use credit wisely

Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid.

Library: English | Talking to Teens about Money - Seminar Lesson Plan Packet (English)

This PDF file provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets.

Library: English | Understanding Debit Cards: Plastic with a difference

Debit cards look similar to credit cards, but they work differently. This publication explains how they work, what consumer protections exist and how cardholders can address problems with billing and unauthorized use.

Library: English | Be Careful Where You Get Credit - PowerPoint Slides

This presentation is a companion to the brochure “Watch Where You Get Credit,” which compares various sources of credit—from credit unions to pawn shops.