Please review our list of publications below for the information you need. If you can't find what you are looking for, send your questions directly to our Extension Experts.
|20 Ways to Save at the Grocery Store||Jan 29, 2010||348-722|
|Children and Family Finances -- The Cost of Raising a Child||Dec 23, 2009||2912-7043|
|Children and Family Finances ‐‐ Saving for College||Dec 23, 2009||2912-7044|
|Children and Family Finances ‐‐ Tax Benefits||Dec 23, 2009||2912-7046|
|Children and Family Finances – Kid’s Allowance||Dec 23, 2009||2912-7042|
|Children and Family Finances – Paying for College||Dec 23, 2009||2912-7045|
In our society we have become accustomed to being extravagant with resources. These resources cost money. If a family wishes to cut expenses, there are usually many ways in which to do this.
|May 1, 2009||354-155|
|Deciding if Bankruptcy is an Option for You||
If you find yourself “over-extended” and have tried financial counseling, spending plans, reducing your payments, and/or paying more than the minimum amount due and still cannot make headway in repaying your debts, bankruptcy may be an option worth investigating.
|May 1, 2009||354-045|
|Disability Income Insurance||Jun 1, 2009||354-171|
|Don't Overlook Equipment Maintenance||Apr 30, 2013|
|Emergencies: Are You Prepared? Your Personal Checklist of Important Documents||
Life’s emergency situations require advance preparation and planning. The first step is organizing your papers and communicating with appropriate individuals.
|May 1, 2009||354-141|
|Familes Taking Charge: Talking With Your Spouse||May 1, 2009||354-103|
|Families Taking Charge: Accepting Your Feelings||
People respond to unemployment with many feelings: anger, anxiety, outrage, self-doubt. They may be hostile -- lashing out at those closest to them. Or, they may become moody and depressed. Their tension may show up as restlessness, loss of appetite, loss of interest in sex, insomnia, and feelings of apathy and exhaustion. While some of these symptoms may be unpleasant,
|May 1, 2009||354-094|
|Families Taking Charge: Dealing with Unemployment||
When people go through any type of change, the change may trigger a period of grief and feelings of loss. When people become unemployed, they may feel a loss of identity since Americans tend to describe themselves in terms of their job. Any change means grieving for what was and coping with what is to come.
|May 1, 2009||2811-7015|
|Families Taking Charge: Dealing with the Stress||
All change produces stress, even “good” changes such as marriage or vacations. Sometimes it is hard to perceive the stress of “good” changes but easy to understand the stress caused by negative changes such as job loss. Common stressors in a transition are fear and uncertainty. For example, some of the fears a person may have about unemployment include fear of failure, the inability to manage debts, and the inability to learn new skills. The uncertainty of the job market may also be an issue.
|May 1, 2009||2811-7016|
|Families Taking Charge: Deciding Which Bills to Pay First||
What do you do if your current income just isn’t enough to pay monthly expenses and debts? Putting your bills in a stack and paying them until the money runs out won’t work. You have a legal obligation to pay all of your creditors. Not paying bills will affect your credit report and credit score. It can even involve court action. Not paying some bills may have greater consequences than not paying other bills.
|May 1, 2009||2904-7030|
|Families Taking Charge: Eating Well for Less||May 1, 2009||354-105|
|Families Taking Charge: Helping Children Cope||
Losing a job affects all members of the family. Adults frequently become so preoccupied they forget unemployment has an emotional, as well as financial, impact on their children.
|May 1, 2009||354-097|
|Families Taking Charge: Helping Teens Cope with Parents' Unemployment||
Sometimes, through no fault of their own, parents find themselves without a job. A factory may close, sales may be down or health may fail. Whatever the cause, unemployment affects everyone in the family.
|May 1, 2009||354-095|
|Families Taking Charge: Maintaining Health||
When times get tough you can’t afford to let your health decline! A sound body and mind are the most important resources you have to help you make hard decisions and seek solutions to difficult problems. The formula for good health is really pretty simple - exercise, eat a healthy diet, and get enough rest and sleep. Let’s take these one at a time.
|May 1, 2009||354-104|
|Families Taking Charge: Setting Spending Priorities||
Faced with a reduced income, many families wait six months or longer before they reduce their spending, accumulating debt and unpaid bills. Families need to cut back on spending right away by developing a spending plan to help pay their bills and living expenses.
Many people try to hide financial problems from themselves or family members. Not facing problems can be very destructive because the worry and stress caused by financial uncertainty and lack of cash may be worse than the financial problem itself.
|May 1, 2009||2902-7022|
|Families Taking Charge: Sources of Friendship and Support||
People experiencing unemployment report they feel better if they have the support of family and friends. Your informal support networks are the personal ties you have with others.
|May 1, 2009||354-096|
|Families Taking Charge: Taking Inventory||May 1, 2009||354-099|
|Families Taking Charge: Talking With Creditors||May 1, 2009||354-102|
|Families Taking Charge: What's Next?||May 1, 2009||354-106|
|Getting Out of Debt||
Are your finances out of control? If making credit repayments has become difficult, there are steps you may take to improve the situation.
|May 1, 2009||354-027|
|Home Equity Conversions: Reverse Mortgages||
Many senior adults are finding it hard to live on their fixed retirement incomes and are looking for ways to supplement those incomes. For some, the largest asset they own is their home, but they do not want to sell their home and move. For these individuals, there is an option called Home Equity Conversion (HEC).
|May 1, 2009||354-025|
|Home Improvement Scams: Don't Get Nailed!||
Home Improvement scam artists often show up at your front door. This scam is happening more and more. Seniors, those living alone, and victims of weather-related disasters are among those most commonly targeted.
|May 1, 2009||2809-7004|
Whether you own or rent a home, manufactured home, townhouse, or condominium, a good way to protect your home against certain types of loss is homeowner’s insurance. Homeowners with mortgages are required by their lenders to have homeowner’s insurance.
|May 1, 2009||354-173|
|How to Make Your Money Go Further||
What have you got to show for the money you make each month? Do you have good health, two cars, a home, a large savings account? Or do you seem to have a pile of debts and no assets?
|May 1, 2009||354-028|
|How to Prevent Foreclosure on Your Home||
If you are having trouble making your monthly mortgage payments, you may be able to protect your home, but you must act immediately. Your action may prevent the loss of your home through foreclosure. This Fact Sheet will give you an overview of your options to avoid foreclosure, but it is only the beginning. If you are in serious financial difficulty, you should seek professional assistance and/or legal counsel to best protect your investment and your home.
|May 1, 2009||2804-7001|
|In Case of a Disaster: Home Inventory||
Whether it is a house fire, a hurricane or tornado if the disaster will make it difficult to get an accurate accounting of what you have. The recent victim of a house fire made the following suggestions.
|May 1, 2009||2903-7023|
|Life Insurance: Calculating Life Insurance Needs||
How much life insurance do you need? This publication will help you determine if you need life insurance, and if so, how much you need
|May 1, 2009||354-149|
|Life Insurance: Payout Options||
Life insurance pays a death benefit to the stated beneficiary at the death of the insured. When the insured dies, the beneficiary of the policy files an insurance claim.
|May 1, 2009||354-148|
|Life Insurance: Term Insurance||
Term insurance is basic life insurance. It is the easiest type of policy to understand. A life insurance company will charge a dollar amount, known as the premium, to provide the beneficiary with a tax-free cash benefit if the insured dies in that year.
|May 1, 2009||354-144|
|Life Insurance: The Different Types of Policies||May 1, 2009||354-143|
|Life Insurance: The Impact of Ownership||May 1, 2009||354-142|
|Life Insurance: Universal-Life Insurance||
Universal-life insurance was created to address many of the problems associated with whole-life insurance.
|May 1, 2009||354-146|
|Life Insurance: Variable Universal-Life Insurance||May 1, 2009||354-147|
|Life Insurance: Whole-Life Insurance||May 1, 2009||354-145|
|Living Well Newsletter, Issue 2, Summer 2008||Apr 24, 2013||370-101|
|Living Well Newsletter, Issue 3, Winter 2009||Apr 24, 2013||370-102|
|Living Well Newsletter, Issue 4, Spring/Summer 2009||Apr 24, 2013||370-103|
|Living Well Newsletter, Issue 6, Winter 2010||Apr 24, 2013||370-105|
|Living Well Newsletter, Issue 7, Summer 2010||Apr 23, 2013||370-106|
|Living Well Newsletter, Issue 9, Fall 2011||Apr 23, 2013||370-108|
|Long-Term Care Insurance||
Did you know that over 11 percent of the U.S. population is age 65 or older? Did you also know that this figure is expected to increase to 20 percent or 25 percent percent of the population over the next 50 years?
|Feb 14, 2011||354-172|
|Low-Cost Ways to Entertain Kids this Summer||Jul 15, 2009||2907-7031|
|Medical Expense Insurance||
Medical-expense insurance, often referred to as health insurance, has become a big issue for many people. The costs associated with health care have been increasing, and if you find yourself in poor health, the cost of obtaining the care you need may be alarming.
|May 1, 2009||354-170|
|My Money, Lesson 1: Where Do I Begin?||
Money problems are common. When we manage it, we can make it last longer.
|May 1, 2009||354-073|
|My Money, Lesson 2: Spending Leaks||
Does your paycheck always run out before the next payday? Is it possible you could be wasting a few dollars each month?
|May 1, 2009||354-074|
|My Money, Lesson 3: Where Does All the Money Go?||
Do you know where your money goes each month?
|May 1, 2009||354-075|
|My Money, Lesson 4: Credit Reports||
Did you finish the credit account list last week? A credit report will list all accounts. Credit reports cost $9 for each. But after November 2005, you can receive all of your credit reports each year for free from one place. To receive a report, copy this form 3 times and fill it out.
|May 1, 2009||354-076|
|My Money, Lesson 5: Spending Plans||
This week, your task may take some guessing. First, fill out the income chart to figure your monthly income. Second, without looking at your spending logs, write down how much you spend on each item in a month.
|May 1, 2009||354-077|
|My Money, Lesson 6: Putting It All Together||
Congratulations! You have kept your spending log for a whole month. Now take all 4 logs and figure out what you spent last month.
|May 1, 2009||354-078|
|Payday Loan Facts||
Have you ever passed a check cashing store and wondered what kind of things happen in a business like that? Well, one thing stores like that do; is write people payday loans. Often people in need of these quick loans are not fully educated about the way they work. The purpose of this fact sheet is to help consumers better understand how payday loans work, and the pros and cons of using these services.
|May 1, 2009||2903-7029|
|Planning for Baby -- Safety Items and Other Supplies||Oct 23, 2009|
|Planning for Baby ‐ The Basics You Will Need||
A baby needs a lot of things, but not as many as some businesses would like to sell. Information in this series of fact sheets includes what you and your baby will need when leaving the hospital and at home‐ including clothing, crib and other furniture, car seat, and safety items.
|Oct 22, 2009||2910-0734|
|Planning for Baby ‐‐ Crib Safety Tips||
Your baby will spend a lot of time sleeping. It is important to make sure that the crib is safe and where your baby is comfortable.
|Oct 23, 2009||2910-0737|
|Planning for Baby ‐‐ Diaper Choices and Comfort||
Neither cloth nor disposable diapers have been shown to be healthier for babies. The choice depends on how much time and money you have to spend on diapers. If your child will be in day care, most centers only accept disposable
|Oct 23, 2009||2910-7038|
|Planning for Baby – Car Seats||
You will need to take your baby home from the hospital using a car seat. Taking the baby with you presents many changes. The important thing to remember is that the baby’s safety should come first.
|Oct 22, 2009||2910-7035|
|Planning for Baby – Clothing Fabric Choices, Care Labels, Comfort, Fit, Size, and Safety||
Often the most enjoyable activity while waiting for baby is purchasing clothes. It is important to keep a couple of things in mind when making purchases. The most important one is to provide your baby with comfort! The second is that babies grow fast. This fact sheet will help you understand comfort and safety, choose fabrics, and read labels.
|Oct 22, 2009||2910-0736|
|Planning for Baby – Scams||
They appear like magic. The mailers, magazines, catalogs, e‐mail, and phone calls multiply as your baby’s arrival date gets closer. It seems that the marketers and con artists know your baby is on its way almost as soon as you do. Everyone has something to sell to make your baby smarter, healthier, safer, or wealthier than all the other babies. Deals for products that sound too good to be true probably are. You will also get many coupons and specials on photos, etc. Remember that a coupon only saves you money if you would normally purchase the item.
|Oct 23, 2009||2910-7040|
|Pocket Budget Guide||
One way to help yourself stick to a budget is to keep your records in your wallet or purse. The example below shows how to set up a pocket budget guide. You can easily see at any time how much is left in your budget for the month in any flexible expense category. A pocket budget guide will help you adjust your spending plan to make your money go where you really want it to go.
|May 1, 2009||2901-7018|
|Refinancing Your Mortgage||
Most people consider refinancing their home mortgage to take advantage of lower interest rates and reduce their monthly mortgage payment. Refinancing a mortgage means paying off your old mortgage and signing a contract for a new loan. Whether to refinance your mortgage is a difficult question to answer, and should be based on the following considerations:
|May 1, 2009||354-047|
|Renter's Rights and Responsibilities: The Basics||
If you are a renter in Virginia, you have rights and responsibilities under the Virginia Residential Landlord and Tenant Act (VRLTA). It is important that you know your rights and responsibilities under this act.
|Dec 18, 2012||354-066 (FCS-12P)|
|Resources for Rural Families Coping with Economic Stress and Anxiety||Nov 16, 2009||2911-1418|
|The Effect of Landscape Plants on Perceived Home Value||May 1, 2009||426-087|