Controlling Finances
• Setting SMART Goals

Credit
• Advantages and Disadvantages of Using Credit
• Types of Credit
• Typical Credit Terms and Conditions
• Reasons to Use Financial Institutions
• Benefits of Using a Checking Account
• Financial Institution Fees
• People Who Review Your Credit Reports
• The Type of Information on Your Credit Report
• How to Think Like a Lender
• The Four C’s of Credit: Thinking Like a Lender
• What Good Credit Means
• When to Read Your Credit Report
• Sample Credit Dispute Letter
• Your Rights Under the Fair Credit Reporting Act (FCRA)
• How Financial Behaviors Affect Your Credit Score
• FICO Score Breakdown
• Sixteen Things You Can Do to Improve Your Credit Score
• Signs of Having Too Much Debt
• Choosing a Credit Counseling Agency
• Bankruptcy Pros and Cons: Reason to File, Reasons Not To
• Tips for Avoiding Shady Debt Reduction Services

Education
• It Pays to Learn
• Getting on the Education Track
• Evaluating Schools
• Average Published Costs of Education

Employment
• Places to Look for a Job
• Three Benefits of IDA Accounts
• Where the Jobs Are
• Tips for Filling Out Job Applications
• Tips for Writing Resumes
• Tips for Writing Cover Letters
• Typical Job Interview Questions
• Tips for Keeping a Job
• What You Need to Know About the Earned Income Tax Credit (EITC)
• Use Things You Own to Make Money
• Ideas for Starting Your Own Business

Homeownership
• The Big Picture of Financial Fitness
• Basic Home Care
• Choosing a Contractor
• Compare a Habitat Mortgage to a Conventional Mortgage

Identity
• Tips for Preventing Identity Theft
• Steps to Take if You Are a Victim of Identity Theft
• Identity Theft Action Plan

Identity Theft
• What Identity Thieves Do

Protecting Money
• Common Scams
• Identifying and Stopping Fraud
• General Tips for Avoiding Fraud