Resources for Family Financial Management
|How to Prevent Foreclosure on Your Home||May 1, 2009||2804-7001|
|Home Improvement Scams: Don't Get Nailed!||May 1, 2009||2809-7004|
|Families Taking Charge: Dealing with Unemployment||May 1, 2009||2811-7015|
|Families Taking Charge: Dealing with the Stress||May 1, 2009||2811-7016|
|Pocket Spending Guide||
For many people, the temptation to overspend is hardest to resist when they are out at a store or restaurant. Because their spending and savings plan (budget) is at home in a drawer, the information they need to make a good spending decision isn’t available. One way to help yourself stick to your plan is to keep your information in your pocket, wallet or purse. The example below shows how to set up a pocket spending guide. By filling it out and keeping it with you, you can easily see at any time how much money you have available to spend in each category. A pocket spending guide will help you adjust your spending plan to make your money go where you really want it to go.
|Aug 31, 2015||2901-7018(FCS-102NP)|
|Families Taking Charge: Setting Spending Priorities||May 1, 2009||2902-7022|
|In Case of a Disaster: Home Inventory||May 1, 2009||2903-7023|
|Payday Loan Facts||May 1, 2009||2903-7029|
|Families Taking Charge: Deciding Which Bills to Pay First||May 1, 2009||2904-7030|
|Low-Cost Ways to Entertain Kids this Summer||Jul 15, 2009||2907-7031|
|Planning for Baby ‐‐ Diaper Choices and Comfort||Oct 23, 2009||2910-7038|
|Resources for Rural Families Coping with Economic Stress and Anxiety||Nov 16, 2009||2911-1418|
|Children and Family Finances – Kid’s Allowance||Dec 23, 2009||2912-7042|
|Children and Family Finances ‐‐ Saving for College||Dec 23, 2009||2912-7044|
|Children and Family Finances – Paying for College||Dec 23, 2009||2912-7045|
|20 Ways to Save at the Grocery Store||
Learn how to save money. If you shop smart, you can live on a tight budget and still have a healthy diet. Get the most out of your food dollar by adopting the following practices.
|Apr 29, 2015||348-722 (HNFE-295NP)|
|20 Maneras de Economizar en el Supermercado||Apr 18, 2016||348-722S (HNFE-332S)|
|How to Make Your Money Go Further||May 1, 2009||354-023|
|Home Equity Conversions: Reverse Mortgages||May 1, 2009||354-025|
|Getting Out of Debt||May 1, 2009||354-027|
|Deciding if Bankruptcy is an Option for You||May 1, 2009||354-045|
|Refinancing Your Mortgage||May 1, 2009||354-047|
|Renter's Rights and Responsibilities: The Basics||Dec 18, 2012||354-066 (FCS-12P)|
|My Money, Lesson 1: Where Do I Begin?||May 1, 2009||354-073|
|My Money, Lesson 2: Spending Leaks||May 1, 2009||354-074|
|My Money, Lesson 3: Where Does All the Money Go?||May 1, 2009||354-075|
|My Money, Lesson 4: Credit Reports||May 1, 2009||354-076|
|My Money, Lesson 5: Spending Plans||May 1, 2009||354-077|
|My Money, Lesson 6: Putting It All Together||May 1, 2009||354-078|
|Families Taking Charge: Accepting Your Feelings||May 1, 2009||354-094|
|Families Taking Charge: Helping Teens Cope with Parents' Unemployment||May 1, 2009||354-095|
|Families Taking Charge: Sources of Friendship and Support||May 1, 2009||354-096|
|Families Taking Charge: Helping Children Cope||May 1, 2009||354-097|
|Families Taking Charge: Taking Inventory||
When your income drops suddenly, your first concern may be to pay your bills and meet your day-to-day expenses. Instead, looking at your total financial picture can help determine which assets you have that could be used to meet your obligations.
|May 1, 2009||354-099|
|Families Taking Charge: Talking With Creditors||
In an ideal world, income exceeds expenses and your decisions concern investment or savings alternatives. Your goal is to better your family’s welfare.
|May 1, 2009||354-102|
|Familes Taking Charge: Talking With Your Spouse||
Issues related to finances, like issues related to sexuality, are often difficult ones for spouses to communicate effectively. This is due in part to beliefs such as “you’re supposed to know all about that” and “adults should be able to take care of money matters,” as well as “you should be able to handle all your own problems without seeking help - even from your spouse.”
|May 1, 2009||354-103|
|Families Taking Charge: Maintaining Health||May 1, 2009||354-104|
|Families Taking Charge: Eating Well for Less||
Eating well is important for you and your family’s health. Unfortunately, food is often very expensive and can be difficult to buy with a limited income, especially during a crisis.
|May 1, 2009||354-105|
|Families Taking Charge: What's Next?||
You have made it through the initial problems caused by your reduced income. (And other fact sheets in this series have helped you deal with everything from deciding which bills to pay, to talking with your spouse.) Now, you are probably beginning to ask yourself, where do I go from here?
|May 1, 2009||354-106|
|Emergencies: Are You Prepared? Your Personal Checklist of Important Documents||May 1, 2009||354-141|
|Life Insurance: The Impact of Ownership||
The major reason most people buy life insurance is to provide financial support for beneficiaries in case the insured person dies prematurely. However, there are additional reasons for purchasing: to pay off a home mortgage or other debts, to pay for funeral expenses or a college education for children, or for investment or estate planning.
|May 1, 2009||354-142|
|Life Insurance: The Different Types of Policies||
A life insurance policy provides a cash payment when a person dies. This payment is known as the death benefit. Many people buy life insurance to protect the people who are dependent on them.
|May 1, 2009||354-143|
|Life Insurance: Term Insurance||May 1, 2009||354-144|
|Life Insurance: Whole-Life Insurance||
Whole-life insurance was created to address the problems with term insurance. The biggest problem with term life insurance is that it is purchased for a stated period of time.
|May 1, 2009||354-145|
|Life Insurance: Universal-Life Insurance||May 1, 2009||354-146|
|Life Insurance: Variable Universal-Life Insurance||May 1, 2009||354-147|
|Life Insurance: Payout Options||May 1, 2009||354-148|
|Life Insurance: Calculating Life Insurance Needs||May 1, 2009||354-149|
|Cutting Costs||May 1, 2009||354-155|
|Medical Expense Insurance||May 1, 2009||354-170|
|Disability Income Insurance||Jun 1, 2009||354-171|
|Long-Term Care Insurance||Feb 14, 2011||354-172|
|Homeowner's Insurance||May 1, 2009||354-173|
|The Effect of Landscape Plants on Perceived Home Value||May 1, 2009||426-087|
|Family and Consumer Sciences||
The family is the cornerstone of a healthy community. Virginia Cooperative Extension strives to improve the well-being of Virginia families through programs that help put researchbased knowledge to work in people’s lives. Family and Consumer Sciences educators help Virginians learn to make good choices for themselves and their families. This, in turn, strengthens their communities and the state.
|Jul 7, 2015||490-050(FCS-98)|
|Economic Growth, Regulatory Relief, and Consumer Protection Act||Sep 20, 2018||AAEC-162NP|
|Living Well Newsletter, Volume 9, Issue 1||Aug 8, 2013||FCS-46P|