Personal and Family Finance
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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 MoneyMastery 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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Home Maintenance Checklist
Entering the world of home ownership is likely one of the biggest investments you will ever make. To protect your investment, consider employing a couple of safeguards that will help you save money and retain the value of your home.
How to Make Your Home More Energy Efficient
One principle of learning to save money is learning to reduce costs. An easy approach, often overlooked, is to find simple ways to save on the costs associated with owning a home. This can be done by conducting a home energy audit.
How to Build up a Holiday Fund
The months of October through January can feel like a never-ending season of festivities – all of which involve money. You know, the trip (or two) to the corn maze, the costumes, the pumpkins, the extra candy, the gifts, the donations, the trip, the extra
How can I save money without feeling like I can't ever spend money?
A common conundrum when managing your personal finances is figuring out how to save money without feeling so strapped. If you have ever asked yourself this question then the following tips are for you: pay yourself first, automate your savings payment, a
Where to Start with Insurance Needs?
It’s a good idea to review your insurance each year and make sure you have adequate coverage. November is a great time to do this because if you purchase your own Affordable Care Act (ACA) health insurance through federal and state marketplaces, open enro
How Do I Budget for Non-Monthly Expenses
The simple answer to this question is when you are putting your budget together you write down all of your expenses that you don’t pay each month and the amount. Add all the amounts together and divide that number by 12. This will give you the amount you
How to Manage Your Cash Flow?
Are you wondering how much you should be saving? Or how much should you be putting towards paying off debt? We have the answer to those questions!
How to Make a Food Budget?
If you are new to budgeting it can be difficult to figure out how much to plan on spending on food. Unlike other items in our budget, the grocery budget can fluctuate greatly from month to month.
Refinancing - When is it a good Idea?
Wondering whether it’s a good time to refinance your home mortgage? If you plan to stay in your current home for more than a few years, here are the top scenarios when the cost of refinancing may be in your favor.
Can you share ideas on how we, as a couple, can work together on our finances without ending up in an argument?
Money affects every facet of our lives, particularly our relationship with our partner. Marriage.com lists financial stress as the No. 2 reason for divorce among couples.
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
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.