Change Smarts Podcast Episodes

 How to Make a Budget

Jewkes, Melanie, "Balancing the Budget, Fitting It All In" (2009). All Current Publications. Paper 170.
https://digitalcommons.usu.edu/extension_curall/170

Take Charge America. (2020, June 9). 5 Overspending Triggers (and How to Beat Them). Retrieved from TakeChargeAmerica.org: https://www.takechargeamerica.org/5-overspending-triggers-and-how-to-beat-them/

University of Wisconsin-Madison Divison of Extension. (2020). Budgeting and Planning Tools. Retrieved from Managing Your Personal Finances in Tough Times: https://fyi.extension.wisc.edu/toughtimes/budgeting-in-tough-times/budgeting-and-planning-tools/

How Do I Save Money When I'm Already On A Tight Budget?

Federal Trade Commission. Making a Budget. Retrieved from Consumer.gov: https://www.consumer.gov/articles/1002-making-budget#!what-to-know

Harvard Medical School. (2012, March). Why behavior change is hard - and why you should keep trying. Retrieved from: https://www.health.harvard.edu/mind-and-mood/why-behavior-change-is-hard-and-why-you-should-keep-trying

Ortquist, J. P. (2014, April 25). Do you have an emergency savings? Retrieved from Michigan State University Extension: https://www.canr.msu.edu/news/do_you_have_an_emergency_savings

Purdue University Extension. (2017, December 18). Set Yourself Up For New Year Success With S.M.A.R.T Goals. Retrieved from Purdue University Extension: https://extension.purdue.edu/article/27682#:~:text=is%20an%20acronym%20that%20stands,New%20Year%2C%20make%20them%20S.M.A.R.T.!

Huddleston, C. (2019, December 16). Survey: 69% of Americans Have Less Than $1,000 in Savings. Retrieved from Yahoo Finance: https://finance.yahoo.com/news/survey-69-americans-less-1-171927256.html

Managing Your Cash Flow

Visit Powerpay.org

Link to Deciding Which Bills to Pay First article

Link to Slashing Expenses booklet

Ann Henderson, “The Bucket Theory of Financial Management” (1990). Retrieved from: https://www.academia.edu/29026169/The_Bucket_Theory_of_Financial_Management

Barbara R. Rowe, “Reducing Credit Card Debt” (2019). Retrieved from: https://powerpay.org/education/debt/card_debt.php

eXtension Foundation, “DECIDING WHICH BILLS TO PAY FIRST” (2019, May). Retrieved from: https://personal-finance.extension.org/deciding-which-bills-to-pay-first/

Jewkes, Melanie, "Balancing the Budget, Fitting It All In" (2009). All Current Publications. Paper 170.
https://digitalcommons.usu.edu/extension_curall/170

Susan E. Hooper, “Start an emergency fund before disaster strikes” (2020). Retrieved from: https://extension.umn.edu/how-prepare/start-emergency-fund-disaster-strikes#sources-476810

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