Budget Considerations

• Loan Payment Decisions
• Prioritizing Your Budget

Budgeting Tools

• Budget Box System
• Computer System
• Expense Envelope System
• Sample Daily Spending Diary
• Sample Monthly Payment Calendar
• Sample Monthly Payment Schedule
• Income and Expense Worksheet

Buying a Car

• Car Loan Shopping Guide
• Dealing with Dealer Financing
• To Loan or To Lease?
• Trading In or Selling Your Car

Buying a Home

• A Home For Every Family
• Are You Ready to Buy a Home?
• Components of a Low Mortgage Loan Payment
• Homebuyer Assistance Programs
• How Much Mortgage Can I Afford?
• Mortgage Shopping Worksheet

Checks

• Check Example
• Understanding the Pre-Printed Information on Your Checks

Checking Account

• Bounce Protection
• Checking Account Fees
• Choosing a Checking Account
• Consequences of Bouncing a Check
• Determine Your Checking Account Needs
• Types of Checking Accounts

Check Writing Tips

• Check Example
• Deposit Slip for Cash
• Example Checking Account Register
• How to Correct a Mistake on a Check
• How to Write a Check for Cash
• Less Cash Received Deposit Slip

Complaints

• Resolving Complaints by Writing to Bank Regulators
• Sample Complaint Letter

Consumer Protection Laws

• Consumer Leasing Act (CLA)
• Electronic Fund Transfer Act (EFTA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act (FHA)
• Real Estate Settlement Procedures Act (RESPA)
• Truth in Lending Act (TILA)
• Truth in Saving Act (TISA)

Collateral

• Items Acceptable for Collateral

Credit

• Tips for Building Your Credit
• Giving Credit Where It’s Due: Choosing the Right Counseling Agency
• Notification of Credit Denial
• Tips for Repairing Your Credit History

Credit Reporting and Agencies

• How to Read a Credit Report
• Reporting Agencies’ Contact Information
• Request a Copy of Your Credit Report in Writing
• Sample Dispute Letter

Decreasing Spending

• Tips to Decrease Spending

Depositing Money

• Deposit Slip for Cash
• Less Cash Received Deposit Slip

Disclosure

• Sample Disclosure Statement

FDIC Insurance

• Tips on Investing in NonDeposit Products

Federal Lending Laws

• Equal Credit Opportunity Act (ECOA)
• Truth in Lending Act (TILA)

Federal Regulations

• Electronic Funds Transfer Act (EFTA)
• Equal Credit Opportunity Act (ECOA)
• Fair Debt Collection Practices Act
• Truth in Lending Act (TILA)

Great Start Bank

• A Home for Every Family
• Information on GreatStart Bank’s Bounce Protection Policy

Identify Theft

• Avoid Identify Theft
• What To Do If You Think Your Identity Has Been Stolen
• If You Lose Your Wallet or Purse…

Keep it Safe

• Avoid Identify Theft
• Notification of Credit Denial

Legislation

• Consumer Protection Laws
• Federal Regulations

Loans

• Applying for a Loan
• Avoiding Predatory Loans
• How to Compare Loans Based on Type, Cost and Fees
• Loan Payment Decisions
• Predatory Lending Tactics
• Rejection: What To Do If You Are Turned Down
• Sample Predatory Loan
• What to Do if You Feel You Are a Victim of a Predatory Loan

Mortgages

• Mortgage Shopping Worksheet

Predatory Lending

• Avoiding Predatory Loans
• Predatory Lending Tactics
• Sample Predatory Loan
• Truth in Lending Act (TILA)
• What to Do if You Feel You Are a Victim of a Predatory Loan

Record Keeping

• Tips

Saving

• Tips
• Your Savings Action Plan

Special Accounts

• ETAs
• IDAs
• Section 529

Social Security Benefits

• Overview of Social Security Benefits

Tax Credits

• Advanced Earned Income Tax Credit
• Child Tax Credit
• Credit for Child and Dependent Care Expenses
• Earned Income Tax Credit
• Help with Tax Credits - VITA

Your Savings Action Plan

• Your Savings Action Plan

Your Own Home

• Are You Ready?
• A Home For Every Family
• Components of a Low Mortgage Loan Payment
• Homebuyer Assistance Programs
• How Much Mortgage Can I Afford?
• Mortgage Shopping Worksheet

• Rights and Responsibilities