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Your Money Table of Contents Course 1: Financial Basics Lesson A: Wise Use of Credit The Three C’s of Credit Types of Credit Types of Loans The 20-10 Rule Advantages and Disadvantages Exercise Quiz Lesson B: Cost of Borrowing What to Consider Borrowing Sources Terms of the Loan Cost of Borrowing Predatory Lending Exercise Quiz Lesson C: Credit Scoring Five parts to your FICO Score What is a good Score? Exercise Quiz Lesson D: Understanding Credit Reports What Credit Reports Contain Who Can See a Credit Report? How Do I Read My Credit Report? How is Credit Gauged? Exercise Quiz Course 2: Your Situation Lesson A: Debt Load Debt to Income Ratio 28/36 Rule Exercise Quiz Lesson B: Credit Repair If you’re Turned Down for Credit Getting a copy of your credit report Correcting Mistakes Credit Repair Understanding Inquiries Exercise Quiz Lesson C: How Did I Get Into This Situation Sources of Debt Debt Warning Signs How to Get Out of Debt Bankruptcy (The Last Resort) Exercise Quiz Course 3: Goals Lesson A: Establishing Goals Values What are Goals? Conflicts Planning Exercise Quiz Lesson B: Wants Vs. Needs Wants vs. Needs Exercise Quiz Lesson C: Spending Plans Getting Organized Income Expenses Categorizing Expenses Exercise Monthly Income Monthly Expenses Income vs. Expenses Budget Guidelines Exercise Quiz Lesson D: Savings Types of Savings Accounts Choosing the Right Savings Account Interest Compounding 529 Savings Plans Exercise Quiz Course 4: Building Financial Skills Lesson A: Money Management Simple Interest Compound Interest The Rule of 72 Saving vs. Investing Common Investment Vehicles Exercise Quiz Lesson B: Checking Accounts Comparing Checking Accounts Checking Account Fees Types of Checking Accounts Debit Cards Recording Transactions Exercise Quiz Lesson C: Dealing with Collectors Types of Collectors What Collectors Cannot Do Repossession Exercise Quiz Lesson D: Insurance Auto Insurance Homeowners Insurance Life Insurance Exercise Quiz Lesson E: Credit Counseling Consumer Resources Glossary

Your Money

Table of Contents

Course 1: Financial Basics

Lesson A: Wise Use of Credit
The Three C’s of Credit
Types of Credit
Types of Loans
The 20-10 Rule
Advantages and Disadvantages
Exercise
Quiz

Lesson B: Cost of Borrowing
What to Consider
Borrowing Sources
Terms of the Loan
Cost of Borrowing
Predatory Lending
Exercise
Quiz

Lesson C: Credit Scoring
Five parts to your FICO Score
What is a good Score?
Exercise
Quiz

Lesson D: Understanding Credit Reports
What Credit Reports Contain
Who Can See a Credit Report?
How Do I Read My Credit Report?
How is Credit Gauged?
Exercise
Quiz

Course 2: Your Situation

Lesson A: Debt Load
Debt to Income Ratio
28/36 Rule
Exercise
Quiz

Lesson B: Credit Repair
If you’re Turned Down for Credit
Getting a copy of your credit report
Correcting Mistakes
Credit Repair
Understanding Inquiries
Exercise
Quiz

Lesson C: How Did I Get Into This Situation
Sources of Debt
Debt Warning Signs
How to Get Out of Debt
Bankruptcy (The Last Resort)
Exercise
Quiz

Course 3: Goals

Lesson A: Establishing Goals
Values
What are Goals?
Conflicts
Planning
Exercise
Quiz

Lesson B: Wants Vs. Needs
Wants vs. Needs
Exercise
Quiz

Lesson C: Spending Plans
Getting Organized
Income
Expenses
Categorizing Expenses
Exercise
Monthly Income
Monthly Expenses
Income vs. Expenses
Budget Guidelines
Exercise
Quiz

Lesson D: Savings
Types of Savings Accounts
Choosing the Right Savings Account
Interest Compounding
529 Savings Plans
Exercise
Quiz

Course 4: Building Financial Skills

Lesson A: Money Management
Simple Interest
Compound Interest
The Rule of 72
Saving vs. Investing
Common Investment Vehicles
Exercise
Quiz

Lesson B: Checking Accounts
Comparing Checking Accounts
Checking Account Fees
Types of Checking Accounts
Debit Cards
Recording Transactions
Exercise
Quiz

Lesson C: Dealing with Collectors
Types of Collectors
What Collectors Cannot Do
Repossession
Exercise
Quiz

Lesson D: Insurance
Auto Insurance
Homeowners Insurance
Life Insurance
Exercise
Quiz

Lesson E: Credit Counseling

Consumer Resources

Glossary

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