Authors as Published

Revised by Travis P. Mountain, Ph.D., Financial and Economic Well-being Extension Specialist, Virginia Tech, and William P. Jones, Staff Research Assistant, Virginia Tech, Blacksburg and members of the Family and Community Economics Program Team, 2020

This publication is available in a PDF file format only.

The way you spend your money today will determine what money you have in the future. You can take steps now to control your financial destiny! You will find as you review this guide that you are responsible for the amount of money you earn and the amount you spend. Successful money managers make decisions daily that determine how they spend their money or how they use money to accomplish the things that are important to them. Here are some proven methods to become a good manager of your money and even find the extra money you have. Secure future requires careful planning, self-discipline, and the ability to say no to unnecessary spending that doesn't fit your personal finance goals.

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Virginia Cooperative Extension materials are available for public use, reprint, or citation without further permission, provided the use includes credit to the author and to Virginia Cooperative Extension, Virginia Tech, and Virginia State University.

Issued in furtherance of Cooperative Extension work, Virginia Polytechnic Institute and State University, Virginia State University, and the U.S. Department of Agriculture cooperating. Edwin J. Jones, Director, Virginia Cooperative Extension, Virginia Tech, Blacksburg; M. Ray McKinnie, Administrator, 1890 Extension Program, Virginia State University, Petersburg.

Publication Date

April 22, 2020