For most households, savings and assets are the critical first line of defense against emergencies, unforeseen expenses, and income interruptions. Help your household by learning family finance skills. Examples include:
• Identify money habits and attitudes
• Live within your means by spending less than what you earn
• Track and reduce expenses, while following a budget
• Avoid debt and manage loans wisely
• Build good credit
• Avoid payday lenders, pawn shops, and loan sharks
• Build an emergency fund
• Ask tough questions and set goals
