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Hot Topic: Personal Finance in Tough Times
With auto fuel prices hitting record highs almost daily and food prices rising in tandem, more and more families are experiencing financial strain. There are many resources in the CYFERnet database on coping with financial crises, financial management and stress management. These may be of use to families coping with difficult financial times.
Financial Crisis
Bouncing Back When Your Income Drops, Topic No. 3: Checking Financial Resources
Know where and your money goes, and what you get for it; a guide from the Pennsylvania State University Cooperative Extension to help you organize your income.
Building and Repairing
How to build and/or repair your credit history, from the University of Idaho Cooperative Extension.
Financial Management Interventions Following a Disaster
Some ways to deal with a financial crisis if it occurs, from the University of Arizona Cooperative Extension.
Credit Problem Issues
Information on personal finance bankruptcy, credit reports, credit cards, mortgage and other loans, cedit problems, repairing bad credit, Fair Isaac, Fair Isaac and identity theft.
Financial Management
CYFERnet Research Spotlight: Financial Literacy
Poor financial management skills exacerbate the problems of poverty: payday lenders bring on a cycle of debt, and a portion of the US population is “unbanked”, for various reasons. The future does not look
bright: in most school districts, money management skills are not taught. Youth learn by watching their elders, who may lack good skills themselves. Many Land Grant & Extension offices offer help. A CYFERnet original.
National Foundation for Credit Counseling
The NFCC is a national non-profit network of 1,450 member agencies designed assist people dealing with stressful financial situations.
Getting out of Debt
From the University of Idaho Cooperative Extension.
Developing Your Personal Spending Plan
Basic financial information to help in developing a personal spending plan. Topics covered include sources of income, the three types of expenses and how to make your own spending plan. Also available in Spanish as ¿Como Elaborar un Plan de Gastos? From the National Network for Childcare.
Setting Your Goals
Defines long- and short-term financial goals and ways to determine them. Includes a practice activity. Also available in Spanish as "¿Como Establecer tus Objectivos?" From the National Network for Childcare.
Helping Older Family Members Handle Finances
How to help older family members with their finances, from Oregon State Cooperative Extension.
Live Within Your Means
How to make important purchases and avoid unneeded ones, from the Pennsylvania State University Cooperative Extension.
Managing Two Incomes – Yours, Mine, and Ours
Dividing up the paperwork and decisions makes dealing with income issues a slightly less stressful subject. From the University of Delaware Cooperative Extension.
Managing your Money
Making a spending plan and sticking to it can help your family live better on the money you have. Provided by the California Cooperative Extension.
My Monthly Spending Plan: A Guide to Help You Manage Money
Everyone makes mistakes with money, but everyone can learn to be a wise money manager and stay within a spending plan. From the Pennsylvania State University Cooperative Extension.
Talking About Money
A communication builder on the subject of money management. This publication from Ohio State University Cooperative Extension provides advice on finding a time and a place for your money talks, building good listening habits and avoiding communication blocks.
What Does Your Credit Score Mean?
Understanding and determining your credit score, from the University of Idaho Cooperative Extension.
Where to Go for Credit and Debt Help
Where to get help with credit and debt issues, from the University of Idaho Cooperative Extension.
family-info.info
Relevant information and useful links of current interest to families. Updated weekly, with an archive of past articles.
Balancing Income and Expenses
How to balance income and expenses and maintain a budget, from the University of Arkansas Cooperative Extension.
Before You Use Credit
Some things to ponder before answering the question, cash or credit? From the University of Arkansas Cooperative Extension.
Does Work Pay at Older Ages?
Retirement and its affects on lifestyle, from the Urban Institute
¿Como Establecer tus Objectivos?
The National Network for Childcare defines long- and short-term financial goals and ways to determine them. Includes a practice activity. Also available in English as "Setting Your Goals." These materials were developed for a Puerto Rican audience and have been written in the second person (familiar); the use of the second person may be objectionable to some audiences and vocabulary may vary from one region to another. May be adapted for other Latin audiences.
¿Como Elaborar un Plan de Gastos?
Basic financial information for developing a personal spending plan. Topics covered include sources of income and the three types of expenses. Also available in English as "Developing Your Personal Spending Plan." As above, these materials were developed for a Puerto Rican audience and may adapted for people from other Latin cultures. From the National Network for Childcare.
Cómo obtener crédito
Credit is a good thing when used wisely. Learn how to obtain credit and how credit works. Provided by the California Cooperative Extension.
Credit Cents Terms
The University of Idaho Cooperative Extension on credit and money issues.
Credit Reports 101
The basics, from the University of Idaho Cooperative Extension.
Easing Transitions: Balancing Work & Family
How to manage your time to avoid stress, from the North Carolina State University Cooperative Extension. Other topics include budgeting your money and getting along with family and friends.
Financial Life Skills: Financial News You Can Use
Keeping up on the financial news is important if you have an adjustable-rate mortgage, if your individual retirement account (IRA) is based on changing interest rates, or if you have money invested in mutual funds, stocks, or bonds. This is a lifelong process. Advice from the Pennsylvania State University Cooperative Extension.
Getting Credit
Learn how to obtain credit and how credit works. Provided by the
California Cooperative Extension.
Understand Credit Fees
Lenders, such as credit card issuers, are in the business of making money. To make a profit, they may assess charges other than interest, especially when cardholders don’t live up to credit agreements. The amount of these fees varies from one issuer to the next. Provided by the Pennsylvania State University Cooperative Extension.
Stress Management
Grandparents Raising Grandchildren: Managing Stress
Advice for grandparents raising children with financial and emotional stress from the Pennsylvania State University Cooperative Extension.
Juggling Acts: Balancing It All Without Losing Yourself
How to set priorities in a busy and sometimes stressful life, from the Pennsylvania State University Cooperative Extension.
Promoting a Family's Physical and Mental Health and Well-Being
Staying healthy during stressful times.
Recognizing Stress in Children
How to help children deal with the stresses of disasters.
Sixty-Second Stress Busters
A list of symptoms associated with stress and some quick relaxation exercises one can do to relieve stress, from the Pennsylvania State University Cooperative Extension.
Soothing Those Jangled Nerves: Stress Management
Soothing Those Jangled Nerves: Stress Management
