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Personal and Family Money Management
The finance resources you will find here are unbiased, researched, and reliable. Experts are available in your county, as well as expert advice which is published at our "UtahMoney Moms" website and social media. We offer online courses, such as the online home buyer education course, which serves people throughout the United States, Guam and the Virgin Islands, and is approved by the U.S. Department of Housing & Urban Development (HUD) and the Department of Agriculture (USDA) and the PowerPay MoneyMaster Course, which is designed to teach real-life money smarts regarding your personal financial vision, money personality, tracking expenses, budgeting, managing debt, understanding credit, and saving money. We also provide the tools to help manage your finances for free; PowerPay is a nationally recognized debt reduction tool.
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Our answers to your #1 money questions
How to Budget the Right Amount for Expenses
If you are wondering how to determine appropriate amounts to budget for food, gas, bills, and savings, use the following steps to guide you.
What You Need to Know about Life Insurance
This article goes over the main questions related to life insurance; when do you need it, how much do you need and where to purchase it.
How to Save for Short Term Goals
This article will give some tips for how to evaluate options for short-term investing and saving and which options would be best for you.
Tips for Sticking to Your Financial Goals and Budget
It takes time and effort to stick to goals and often we lose interest when we feel we have put in a lot of work and only made a little progress. The key is to keep going. This article will give some tips for staying motivated and on track with your finan
Discussing Finances as Newlyweds
A strong foundation of communication can prevent the negative consequences of financial disagreements. How can newlyweds establish this strong foundation from the beginning?
Budgeting Tips for any Holiday
Many people feel pressured to overspend during the holidays. Here are some key questions to ask yourself and some expert tips to implement.
Is it a Good Idea to use Credit Card Rewards?
When used responsibly, these rewards can be a great tool to reduce costs on some of your big-ticket items. For example, if you like to travel, using a credit card for your regular every day purchases can save you money on an airplane ticket later on.
Navigating Various Types of Retirement Accounts
Saving for retirement can feel a little less intimidating when you are informed and have clear savings goals. Understanding different types of retirement plans and how they best align best with your savings and retirement goals will set you up for having
Money Tips for the Holiday Season
It’s easy to justify holiday spending as being generous, but without planning a realistic budget, holiday spending can quickly make ringing in the New Year financially stressful. The key to reducing stress is planning ahead
Family Budgeting with an Irregular Income
Budgeting with a varying income is possible! Continue reading for some basics that can help make it a little more manageable.
How Do I Stop Obsessing About Spending Money?
If you have ever felt guilt around the way you spend or save money, you are not alone. There are definitely some things you can do to have a better relationship with money and to not let it have such a strong hold on your emotional well-being.
Tips for Transitioning from Two Incomes to One
Many families in the United States find themselves in a position of transitioning from two incomes to one. Regardless of the reason behind a family going through this transition, there are a variety of effects it can have on the family that need to be con
Is Debt Consolidation a Good Idea?
This question does not have a straightforward answer. Every debt situation is different, and your debt management strategy will depend on your financial goals. When exactly is debt consolidation a good idea? Here are some scenarios where debt consolidatio
How Can I Save While Still Paying My Debts?
A lot of people have a hard time trying to pay off debt and save money at the same time and that is usually because they don’t have a strategy on how to do that. It’s challenging if you feel like you have to choose between saving money or focusing on payi
How to Save for a Vacation
Do you keep dreaming about that dream vacation? Do you wonder if it is attainable? Your dream vacation can happen with a little planning and taking a realistic look at your budget.
Programs & Courses
Finance Research Articles
Expert Tips to Avoid Charity Fraud and Give Wisely
While plenty of people already have a preferred charity they donate to, sometimes a special cause, natural disaster, widespread disease, social movement, or timely situation creates an additional desire to donate. Unfortunately, scam artists are always at
Four Key Considerations When Choosing a Financial Professional
If you’re considering working with a financial professional who can help you evaluate your personal finances and recommend strategies to set and achieve long-term financial goals, there are some things to understand first. This fact sheet covers four impo
Preparing for Homeownership: Four Steps to Get You Started
Buying a home is a financial transaction which has pretty big personal implications. Most home buyers find the process overwhelming, though it doesn’t need to be.
The Anatomy of a Credit Report
A credit report is similar to a report card--it shows your past credit performance so that lenders/companies can predict how well your behavior will be in the future. It is not the same as a credit score, which is comparable to a grade point average (GPA)
Understanding and Sharing your Emotional History with Money
Individuals go into marriage with values, attitudes, and behaviors that are unique to them based upon their life experiences. These life experiences can come from differing ethnic cultures, religious cultures, socioeconomic backgrounds, and choices that h
What Is Financial Health?
How do you find that feeling of financial control that leads to financial freedom? Working on your financial health.
Your Financial Wellness Wheel
How do we measure financial health? Completing a Financial Wellness Wheel can give you a baseline for your current financial health and give you steps to take to improve or maintain. This fact sheet will explain each category on the Financial Wellness Whe
Emergency Cash Stash
Having a stash of emergency cash in your home is an important part of emergency preparedness. Scenarios such as a natural disaster, a national catastrophe, or a real-life family emergency will make you appreciate those dollars you have safely tucked away.