Division of Extension
What does the word “debt” mean to you? Car loans, credit card bills, mortgage payments, school loans, payday lender loans, retail credit cards? Debt means owing money that you have borrowed. How Much Debt Is Too Much? Some people are comfortable with owing money as long as they can keep up with the monthly payments. […]
Good credit, bad credit, or no credit? Using credit wisely allows you to pay off big expenses over time without becoming buried in debt. Having good credit can help when applying for a loan, apartment, job, or car insurance. The better your credit, the less you pay on loan interest. Almost all of us use […]
Do you have a checking or savings account? Do you love technology and e-banking? You have many options for where to keep your hard-earned money. Making the most of your money Just like searching for the best deal on a car or a new phone, it’s worth your time to shop around for the best […]
Have you ever gotten to the end of the month and wondered where all your money went? You ’re not alone. Many people feel like saving is impossible when there’s nothing left over. But saving money just means setting some aside for the future. It could be for an emergency, a vacation, or retirement. If […]
Most adults who earn money need to file a tax return. You may want to avoid filing taxes because you’re afraid that you owe money to the Internal Revenue Service (IRS) or the state. But, you may get money back from filing taxes. This is called a tax refund! Here are a couple of things […]
What does the word “budget” mean to you? Pinching your pennies or clenching your wallet? Now think about the words “spending plan.” A Spending Plan: A spending plan is like a road map for your money. It helps you: Where you spend your money is personal. The goal is to spend money on the things […]
A goal is something you want to work toward. It gives you a sense of direction and helps you focus on what matters most to you. You can set goals for your health, your habits, your job, your learning or your family life. A good way to begin is by thinking about what is important […]
Sixteen monthly newsletters have been created and reviewed by UW-Madison Division of Extension educators based on evaluations and feedback from previous Head Start financial literacy project participants. Newsletter issues 1-8 are sequential, so that each topic builds on the information in the previous topic. Because many families are enrolled in Head Start for more than […]
The goal of this financial research project is to find out if setting goals and having access to financial literacy information can help improve financial outcomes. As part of this project, UW-Madison Division of Extension gathers survey information from Head Start families who agree to participate. A baseline survey is given out in fall, and […]
English | Spanish Un “objetivo” es un propósito. Es una dirección hacia la cual avanzar. Un objetivo puede orientarlo(a) en la dirección que usted desea. Una buena manera de comenzar es pensar en lo que es importante para usted. Usted puede establecer objetivos para su salud, sus hábitos, su trabajo, su educación o su familia. […]
