Money Management

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Interested in learning about saving, budgeting, or making a financial plan? Check out the resources below to begin learning about smart money management and how you can make the most of your personal finance decisions.

Financial Wellness

It all starts with a budget! Use these tools to help identify areas where you could cut back spending and save towards future goals.

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University of North Georgia

Fixed vs. Minimum Credit Card Payments

This calculator will show you how much faster you can pay off your debt if you make fixed monthly payments rather than the minimum payments.

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Financial Calculator

Use Credit Cards Wisely

Provides tips on how to use credit cards and what to avoid.

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Mapping Your Future

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Reality Check

Fill in the choices on this JumpStart model to see if you can afford your dream life. You might be surprised at how much that life will cost.

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Jump$tart

Your Financial Future

This site provides easy to understand financial information and tips to help you create a budget, track your saving and spending, and understand the impact of taxes which are central to any effective financial plan.

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360 Degrees of Financial Literacy

Understanding Taxes

Whether you're "on assignment" or just browsing the web, this set of 38 Understanding Taxes student lessons has something for everyone.

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IRS.gov

Virtual Stock Market

This Virtual Stock Market Game can be used both in the classroom to help students learn about the stock market and personal finance, or individually to practice trading real stocks at real prices, without risking real money.

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TD Bank

Paycheck Taxes

Why are there so many different federal and state tax withholdings and why are they sometimes different from paycheck to paycheck? Here’s a breakdown of the different paycheck taxes and why they sometimes change.

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H&R Block

Military Saves

This resource uses the principles of behavioral economics and social marketing to change savings behavior and motivate action.

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Consumer Federation of America

America Saves

America Saves motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. This campaign uses the principles of behavioral economics and social marketing to change behavior.

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Consumer Federation of America

Loan Payment Calculator

Use this calculator to compute monthly loan payment estimates and the annual salary you will need to manage your loans.

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FinAid

Start Budgeting

Use the video and steps provided to set up your personal budget plan.

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Mapping Your Future

What to Know About Payday Loans

If you need cash fast to deal with an emergency, bills, or rent, a payday loan might be tempting. But these are expensive loans, and they can trap you in debt.

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Federal Trade Commission

CashCourse

CashCourse teaches financial skills that make sense in the real world. And with the knowledge to handle new financial decisions and challenges, students have more freedom to focus on achieving their goals.

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CashCourse

Make a Financial Plan

Planning ahead will turn your dollars into something you can drive, live or retire in down the track. Start yours today with this free tool.

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360 Degrees of Financial Literacy

Sergeant Debt Videos

Watch these personal finance videos by Sergeant Debt, the InCharge Debt Drill Sergeant. Here, you’ll learn key tips to budgeting, saving and paying off your debt.

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InCharge Debt Solutions

Tricks to Improve Your Credit Score

Credit scores. If you've ever rented an apartment, bought a car or applied for a loan, you know what it is. It tells lenders how financially reliable you are and how good you are at paying off your debts. But it's so much more than that, too.

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NPR

How to Make Sense of Your Pay Stub

Anyone who receives a paycheck from an employer should understand the information included on their pay stub and review it regularly.

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Investopedia

Good Credit: Build It and Keep It

A fact sheet that explains what a credit history is, how to get your credit report, how to establish good credit, and where to complain if you have a problem.

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Consumer Action

How To Be Financially Free

Written by a high school student passionate about financial literacy, this book covers the basic ins and outs of money and personal finance, equipping other kids with the tools they need for a successful future.

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Joseph Lansberg , teen entrepreneur

Investing

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A mutual fund pools the money of many investors to purchase securities. The fund's manager buys securities to pursue a stated investment strategy.

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360 Degrees of Financial Literacy

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Compound Interest Calculator

Determine how much your money can grow using the power of compound interest.

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Investor.gov

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Bitcoin and Crypto

Even if you have no intention of jumping on the crypto train, it’s worth knowing more about it — if only to understand how a 2013 dog meme joke evolved into the sixth largest new digital currency.

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Cashay

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Investing 101: How to Get Started

So you've got some money to invest! Now, what are you going to do with it?

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Cashay

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Working with Investment Advisers

If you’re busy with your job or other responsibilities, or feel you don’t know enough about investing, you may need some help.

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360 Degrees of Financial Literacy

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Investment Calculator

The Investment Calculator uses two investment strategies that typically produce two different retirement scenarios: Aggressive investing and conservative investing.

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The Investment Calculator

Home/Auto Loans

Auto Loans: Know Before You Owe

Whether you’re a first time borrower or a pro, getting an auto loan can be complicated. Learn how to prepare so you can save money, reduce stress, and get the auto loan that’s right for you.

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Consumer Financial Protection Bureau

Basics of How to Buy a Car

If you’re gearing up to buy a car for the first time, here’s a closer look at what’s involved in the process.

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Investopedia

How to Save on Your Car Insurance Premiums

Saving money on car insurance requires a commitment to safety, paying attention to details, living in the right area, and avoiding complacency.

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InCharge Debt Solutions

6 Financial Prerequisites for Buying a House

Checkout this resource to find out more about how you'll need to be positioned financially before you sign your real estate contract.

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Investopedia

Mortgage Glossary

Liens, Titles, and Bridge Loans, oh my! Thinking of buying a home but unfamiliar with the language of mortgages? This glossary will help you translate the language of homeownership.

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Mortgage Calculator

Paying for Education

Paying for Healthcare

Health Savings Accounts: What Consumers Should Know

Learn more about HSAs including qualifications, limits, and tax advantages.

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American Bankers Association

Shopping for Healthcare

With more financial skin in the health care game and fewer uninsured citizens, too many Americans self-ration health care while trying to “save money” and avoid paying down deductibles.

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Intuit

Planning for Retirement

401 (k) Plan: The Complete Guide

This site covers all the basics of 401(k) retirement plans: contributions, withdrawals, distributions, and more.

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Investopedia

What To Know About Individual Retirement Account

Admit it. You’re curious about individual retirement accounts or IRAs. You know they can help you save for your future.

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Mint

Top 10 Ways to Prepare for Retirement

Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.

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Department of Labor

A Look at 401 (k) Plan fees

This answers some common questions about the fees and expenses that your 401(k) plan may pay. It encourages you to make informed investment decisions.

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Department of Labor

6 Retirement Plans You Should Know About

Learning how to plan for retirement doesn't have to feel overwhelming. The various retirement plans available are easier to understand than you might think.

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The Balance

Estate Planning

Estate planning is the process of deciding how an individual’s assets will be preserved, managed and distributed upon death or incapacity. It includes evaluating your property and possessions, creating a will or trust, designating beneficiaries, and more.

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Annuity.org

Retirement Planning

What’s the best way to save for retirement and how much should you be saving for the future? What’s the difference between Roth and traditional IRA? These questions and more are answered here.

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360 Degrees of Financial Literacy

401 (k) Plans

Check out IRS.gov to learn all about 401(k)s, including how to establish, operate, and correct your retirement plan.

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IRS.gov

Time is on Your Side

You’re starting a new job...If you start saving now, the money will have years to grow and you’ll have a better chance of being able to do all the things you want to do in the future.

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Department of Labor

Social Security Retirement Benefits

Social Security is a federal benefits program for retirees in the United States. A pay-as-you-go program funded by Social Security taxes, it's the largest security net.

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Annuity.org

How to Retire Early

If you want to know how to retire early, these strategies can make or break your financial security.

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Financial Mentor

Retirement Calculator

Do you know what it takes to work towards a secure retirement? Use this retirement calculator to create your retirement plan. View your retirement savings balance and calculate your withdrawals for each year.

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Bankrate

Do you teach financial literacy or are you looking to incorporate it into your lessons? Below you'll find professional development resources as well as information on how to invest & save for retirement.

Do you teach financial literacy or are you looking to incorporate it into your lessons? Below you'll find professional development resources as well as information on how to invest & save for retirement.

Top of Page

Money Management

Interested in learning about saving, budgeting, or making a financial plan? Check out the resources below to begin learning about smart money management and how you can make the most of your personal finance decisions.

Financial Wellness

Investing

Home/Auto Loans

Emergency Funds

Paying for Education

Paying for Healthcare

Planning for Retirement