Family Financial Education
- Family Economics 101 - self-paced course (http://www.uwex.edu/ces/flp/famecon/index.cfm)
- UW-Extension/Family Living – Financial Management Information & Links
- Managing Your Personal Finances in Tough Times
Free, Confidential Financial Coaching
The University of Wisconsin-Extension Financial Program provides trained volunteer coaches to help you increase your financial security. Learn more about if this program is for you, and how to enroll by reading:
Dodge County Free Confidential Financial Coaching Brochure
Basic Budgeting Tools: Planning, Spending, Tracking
- Your Money Matters Booklet (available upon request from office)
- 4 Week Spending Plan (PDF, 1 page, 20 kb)
- Capture the Power of a Spending Plan (PDF, 2 pages, 279 kb)
Haga suyo el poder de un plan de gastos (PDF, 2 pages, 178 kb) - Get Ahead by Planning Backwards (PDF, 2 pages, 262 kb)
- Planning to Stay Ahead: Dollars and Cents (PDF, 34 pages, 309 kb)
- Cómo Planear para Salir Adelante: Dólares y Centavos (PDF, 36 pages, 324 kb)
- Banking Services (PDF, 1 page, 327 kb)
Servicios Bancarios (PDF, 1 page, 326 kb) - Reaching Your Goals (PDF, 1 page, 209 kb)
Como Lograr Las Metas (PDF, 1 page, 208 kb) - Tracking Income and Expenses (PDF, 6 pages, 157 kb)
Lleve cuentas de sus ingreasos y gastos (PDF, 6 pages, 891 kb) - Monthly Expense Sheet (PDF, 2 pages, 92 kb)
- Creating a Budget for Your Home Web site
Credit and Debit: Strategies for Successful Management
- Credit Score.net – Credit Guides and Resources
- Dealing With a Drop in Income (PDF, 8 pages, 164 kb)
Cómo manejar una reducción de los ingresos (PDF, 8 pages, 153 kb) - How Much Debt is Too Much? (PDF, 2 pages, 303 kb)
Cuánta deuda es demasiada deuda (PDF, 2 pages, 211 kb) - How to Control Credit Card Spending (PDF, 2 pages, 262 kb)
¿Cómo puedo controlar lo que gasto con mi tarjeta de crédito? (PDF, 2 pages, 157 kb) - You Can Repair Your Credit (PDF, 2 pages, 321 kb)
Usted puede reparar su crédito (PDF, 2 pages, 218 kb) - Getting Help Out of Debt (PDF, 2 pages, 410 kb)
Se puede conseguir ayuda para salir de las deudas (PDF, 2 pages, 187 kb) - 4-Steps to Being Debt Free (PDF, 2 pages, 77 kb)
4-Pasos para llegar a estar libre de deudas (PDF, 3 pages, 158 kb) - Debt Collection FAQ’s for Consumers (PDF, 4 pages, 217 kb)
Preguntas Frecuentes sobre Cobranza de Deudas: Una Guía para Consumidores (PDF, 6 pages, 174 kb) - How Debt Collection Works (PDF, 5 pages, 598 kb)
- Your Credit Report (PDF, 4 pages, 74 kb)
- Tips for Building, Restoring Good Credit
- Consumer Credit Counseling (PDF, 3 pages, 97 kb)
Wisconsin Department of Financial Institutions: - Debt Collection: Your Rights and Responsibilities
- Your Credit Report
- Open-End Credit
- Understanding Credit (PDF, 34 pages, 1,477 kb)
- Rent-to-Own
Money 2000 and Beyond - Organizing Your Financial Records (PDF, 8 pages, 79 kb)
- Taking Control of Your Spending (PDF, 8 pages, 83 kb)
- Tracking Your Spending (PDF, 4 pages, 74 kb)
- Using Power Payments to Pay Off Debt (PDF, 6 pages, kb)
Life Changes: Managing Between Jobs
(Cómo Arreglárselas Cuando No Tiene Trabajo)
- Making the Most of What You Have (PDF, 6 pages, 234 kb)
Cómo Sacar el Mayor Provecho de lo que Tiene (PDF, 8 pages, 252 kb) - Setting Spending Priorities (PDF, 8 pages, 347 kb)
Cómo Decidir Cuáles Son los Gastos Más Importantes (PDF, 8 pages, 266 kb) - Strategies for Spending Less (PDF, 6 pages, 239 kb)
Cómo Gastar Menos (PDF, 6 pages, 268 kb) - Bartering (PDF, 4 pages, 224 kb)
El Trueque (PDF, 4 pages, 228 kb) - Deciding Which Bills to Pay First (PDF, 6 pages, 235 kb)
Cómo Decidir Qué Cuentas Pagar Primero (PDF, 6 pages, 267 kb) - Keeping a Roof Overhead (PDF, 4 pages, 229 kb)
Cómo Asegurarse de que la Familia Tenga Donde Cobijarse (PDF, 6 pages, 247 kb) - Talking with Creditors (includes sample debt repayment letter) (PDF, 4 pages, 277 kb)
Comunicación con los Acreedores (PDF, 6 pages, 245 kb) - Meeting Your Insurance Needs (PDF, 4 pages, 228 kb)
Cómo Pagar por el Seguro que Necesita (PDF, 6 pags, 245 kb) - Deciding if Bankruptcy is an Option for You (PDF, 6 pages, 231 kb)
Cómo Decidir si la Protección por Bancarrota Es una Buena Opción para Usted (PDF, 6 pages, 254 kb) - Helping Children Cope (PDF, 2 pages, 203 kb)
Cómo Ayudar a los Niños a Sobrellevar las Dificultades (PDF, 2 pages, 197 kb) - How You Can Help When Mom or Dad is Unemployed (PDF, 2 pages, 201 kb)
Cómo Puedes Ayudar Cuando Yu Papá o Yu Mamá Está sin Empleo (PDF, 2 pages, 191 kb) - Taking Care of Yourself (PDF, 4 pages, 221 kb)
Cómo Satisfacer las Necesidades Personales (PDF, 2 pages, 224 kb) - Where to Go for Help Finding a Job (PDF, 2 pages, 205 kb)
Dónde Conseguir Ayuda para Encontrar Empleo (PDF, 4 pages, 217 kb) - Looking for Jobs – Watch Out for Scams (PDF, 4 pages, 221 kb)
La Búsqueda de Trabajo – Tenga Cuidado con las Estafas (PDF, 4 pages, 228 kb) - Community Agencies that Can Help (PDF, 6 pages, 229 kb)
Las Agencias Comunitarias Pueden Ayudar (PDF, 6 pages, 256 kb) - Starting Your Own Business (PDF, 4 pages, 217 kb)
Cómo Iniciar Su Propio Negocio (PDF, 4 pages, 215 kb)
Life Changes: Marriage, Babies, College, Retirement, Aging Parents
- Getting to Know You, Your Co-spender and Money – Exercise (PDF, 3 pages, 53 kb)
- Planning a Wedding? Budgeting, good communication are key.
- Look Before You Leap (PDF, 38 pages, 255 kb)
- Money and Marriage (PDF, 2 pages, 125 kb)
- Budgeting for Baby (PDF, 2 pages, 333 kb)
- The Plan for College Spending (PDF, 11 pages, 275 kb)
- Now That I am Fifty (PDF, 2 pages, 125 kb)
- Retirement Planning (PDF, 11 pages, 461 kb)
- Retirement and Reverse Mortgage Facts
- Planning for a Secure Retirement Are you looking forward to the day you retire? Or, do you dread the thought? Being able to retire when you want and how you want is important to many people. Planning ahead can put you in a position to live comfortably during your retirement. The objective of this course is to help you with your planning for retirement. Each module (10 modules) provides information that can be valuable in answering the questions you need to consider as you make your plans. The modules include specific goals for the module, activities to complete, and sources for more information.
Planeando un retiro seguro ¿Está esperando el día de su retiro? ¿O le da miedo pensar en él? Poder retirarse cuando desea y como desea es importante para mucha gente. Planear por adelantado puede ayudarlo a vivir confortablemente durante su retiro. El objetivode este curso es ayudarle a planear su retiro. Cada módulo (10 módulo) proporciona valiosa información que puede ayudarlo a contestar las preguntas que usted necesita considerar mientras hace sus planes. Los módulos incluyen las metas específicas para el módulo, actividades a completar y fuentes donde puede obtener más información. - Helping Aging Parents With Money
Saving and Investing: Paying Yourself First
66 Ways to Save: http://www.pueblo.gsa.gov/cic_text/money/66ways/
Practical suggestions for smart spending and saving that can help consumers stretch their financial resources.
Investing for Your Future: http://www.investing.rutgers.edu/
This 11-unit on-line home study course was developed by the Cooperative Extension system for beginning investors with small dollar amounts to invest at any one time. It covers basic topics such as setting goals, investment terms, finding money to invest, and understanding the tradeoff between risk and reward. It also includes the basic characteristics of each major type of investment–how they are purchased and what it costs to purchase them It concludes with how to select professional financial advisors and information to help you avoid becoming a victim of investment fraud.
Investing in U.S. Savings Bonds and Treasury Securities: http://www.savingsbonds.gov/
Learn all about Series EE, I, and HH savings bonds and other U.S Government Securities-safe, secure and offering attractive returns. You can now purchase government bonds online. The web site also includes a calculator to determine the value of bonds you may own.
The Choose to Save® Program: http://www.choosetosave.org/brochures/
Financial security is one of the most important issues for most Americans. Whether it’s putting kids through college, saving for an emergency, buying a house, or saving for retirement – having enough money for life’s demands is among our biggest concerns. And yet, many Americans have not taken even the first steps toward a secure financial future. The Emmy and Telly award-winning Choose to Save® national public education and outreach program is dedicated to raising awareness about the need to plan and save for long-term personal financial security. As part of its mission, Choose to Save® develops user-friendly, multimedia materials to help individuals plan and save for their financial future, including: Public service announcements, Ballpark E$timate® retirement planning worksheet, online calculators, savings tips on wide range of savings topics.
Money and Children: Raising Money Smart Children
- Got Money? – Money Web site for kids How to get it, save it, spend it and share it.
- Helping Children Save to Spend (PDF, 2 pages, 478 kb)
- Thrive by FiveTM: Teaching Your Preschooler About Spending and Saving
- Thrive by FiveTM:Enseñándole a su niño de edad preescolar cómo gastar y ahorrar
- 17 Things a 5-Year-Old Should Know About Money (PDF, 1 page, 220 kb)
Financial Pitfalls: Payday Loans and Debt Repair
People that have poor credit can become desperate because they have no credit. Desperate people may make decisions looking for a quick fix, without full information. The following links provide some basic information on different options for persons looking for a solution…options that can become very costly over time.
- Predatory Lending Practices - Consumers Beware (PDF, 2 pages, 391 kb)
Prácticas predatorias de préstamo-Consumidores, tengan cuidado (PDF, 2 pages, 250 kb) - Beware of Fraud (PDF, 1 page, 215 kb)
Cuidado con el fraude (PDF, 1 page, 216 kb) - Payday Loans – How Does Wisconsin Measure Up? – 2010 Scorecard
The Consumers Union, the National Consumer Law Center, and the Consumer Federation of America have developed a Scorecard to assess how each state protects consumers against abusive interest rates for small dollar loan products. - The Truth About Payday Loans (Source: credit.com)
Storefronts across America make anyday payday, quick approval, no credit check and easy-application loans to cash-strapped consumers. Learn about the real cost, benefits and dangers of payday loans. - Payday Loan Consumer Information
Provides consumer help, including calculators, to determine the true cost of a payday loan, tips on finding less expensive money, filing a complaint and the added risks of internet payday loans.
Government Resources
Dodge County Human Services – Economic Support Programs / W-2 Unit
The Economic Support (ES) / W-2 Unit serves Dodge County residents who are faced with an economic setback or have not yet reached self-sufficiency. The unit provides services through the following public assistance programs:
- Children First
- Food Share (formerly Food Stamps) and Food Share Employment and Training (FSET)
- General Assistance and Job Access Loans
- Home Energy Assistance
- Medicaid and Badgercare
- W-2 Child Care, W-2 Payment Program and W-2 Case Management Only
WI Department of Workforce Development (DWD) http://dwd.wisconsin.gov/dwd/redirect/
The Wisconsin Department of Workforce Development (DWD) is a state agency charged with building and strengthening Wisconsin’s workforce in the 21st century and beyond. Under the DWD umbrella, a wide variety of employment programs can be found which range from securing jobs for the disabled, assisting former welfare recipients as they make a transition into work, Promoting employment in the state through Wisconsin Job Centers, linking youth with jobs of tomorrow, protecting and enforcing workers rights, processing unemployment claims and ensuring workers compensations claims are paid in accordance with the law.
National School Lunch Program (NSLP) http://www.fns.usda.gov/cnd/lunch/
The National School Lunch Program (NSLP) is a federally assisted meal program operating in public and nonprofit private schools and residential child care institutions. It provides nutritionally balanced, low-cost or free lunches to children each school day. This link will connect you with information regarding eligibility and sample application materials.
Dodge County Human Services – Aging Program http://www.co.dodge.wi.us/humanservices/aging.html
Aging Programs are part of the Aging Services Unit of the Community Support Services Division of the Human Services and Health Department. The Aging Services Unit manages the Senior Dining, Transportation, Alzheimer’s, Family Caregiver Support, and Elderly Benefit Specialist programs for the county. This link includes a great list of additional useful resources available for older adults.
WIC Program (Women, Infant, Children) http://dhs.wisconsin.gov/wic/
Information on the Wisconsin WIC (Women, Infant, Children) program that is managed through the Dodge County Public Health Services Unit is available through this link. WIC provides supplemental nutritious foods, nutrition and breastfeeding information, and referral to other health and nutrition services. The link contains income eligibility and application information.
Wisconsin.gov ACCESS Web site https://access.wisconsin.gov/
Your connection to programs for health, nutrition and child care. This interactive site helps users determine what health and nutrition and other funded programs they may be eligible for based on household, income, and other criteria.
Office of the Commissioner of Insurance (OCI) http://oci.wi.gov
Publication and consumer information available or call 1.800.236.8517






