What is financial literacy?

Financial literacy is the knowledge about personal finance that enables people to confidently manage their financial lives.
When it comes to managing your budget, paying bills,
and knowing the right financial services for you,
knowledge is power.

To help our consumers to take charge of their financial future, we are making available The Road to Financial Empowerment: The Insiders’ Guide . This free, electronically- accessible guide contains over 35 pages of tips, worksheets and explanations of important consumer financial tools. The valuable, consumer-friendly guide focuses on budgeting as well as monitoring and protecting credit status.

The Insiders Guide to Financial Empowerment will show you how to:

• Make a budget and stick to it.
• Understand your credit report
• Use "insider tips" to manage your credit cards, spending and saving.
• Improve your credit score.
• Figure out auto loans, credit cards, mortgages and more.

The Guide is made up of 12 key sections plus a valuable appendix. We recommend reading the whole Guide, but you can print it out in sections by clicking on any of the titles below. Then click on the interactive worksheet titles to open budgeting and other worksheets right on your computer.

After you click the title, select "open" to open the file on your computer or "save" to save it and open it later.