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Practical Money Skills for Life
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Pamphlet Series

This simple, yet practical information will help you understand financial basics about credit and debit cards, how to set-up a budget and stick to it, and how to protect yourself from fraud.
 
Avoiding Credit Trouble
 
  You can avoid most credit and money problems by planning a realistic budget and sticking to it. However, it is not uncommon for people to experience financial difficulties now and then. This pamphlet explains how to prevent financial difficulty, the warning signs of financial problems, and how to solve financial problems when they do arise.
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Budget Basics
 
  A budget can help you pay your bills on time, cover unexpected emergencies, and reach your financial goals-now and in the future. Most of the information you need for your budget is already at your fingertips. This pamphlet explains how to create a budget and stick to it.
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Card Security
 
  Because of the valuable purchasing power they provide, your card numbers are appealing targets for criminals. However, with a few simple security steps, you can keep your cards out of harm's way and avoid fraud losses and hassles. This pamphlet explains how to protect your credit and debit card accounts, how to combat identify theft, and what to do if your card is ever lost or stolen.
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Credit Card Basics
 
  Using a credit card is a big responsibility. While it has many benefits, misuse of a credit card can give you a lot of problems if you don't take it seriously and manage it properly. This pamphlet explains basics about credit cards and your credit rights, and defines common credit terms to help you exercise these rights.
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Credit History
 
  To get a glimpse of your financial future, many businesses look at your financial past-all documented in your credit report. A good credit report can not only help you obtain new financial products, but also secure a new home loan, or even get car insurance. This pamphlet explains why your credit history matters, how to correct credit report errors, what credit bureaus are, and how to keep your credit rating strong.
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Debit Card Basics
 
  With a debit card, you can shop at many merchant locations without having to carry cash or remember your checkbook. Just present your debit card anywhere you see the card's logo, and have the purchase amount deducted directly from your checking account. This pamphlet explains what debit cards are, how to use them responsibly, and what to do if your debit card is lost or stolen.
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