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Plan Well, Retire Well

Saving and investing your money
credit monitoring

How to Protect Yourself When Your Social Security Number is Public Information

In the last few years, we've had data breaches at the IRS, grocery stores, retail stores and now a major credit bureau. After much thought, I've come to accept that my Social Security number is no longer private, and won't be for the rest of my life. In addition, because I care more about someone using my identity for financial gain than anyone else, it's up to me to monitor my financial ac...

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Cut Expenses While in College

Clearly college is expensive. However, most of the cost is not tuition! According to the National Center for Education Statistics , public 4-year, in-state costs in 2015-16 for students totaled $19,189 and tuition and fees was only 46% of total costs; room and board was the remaining cost . A...

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Lock

To Freeze or Not Freeze My Credit Report?

With the recent data breach at Equifax, a credit bureau company, you may be wondering whether you should freeze your credit report. I am one of the people Equifax has identified as "potentially impacted" by the data breach so I've been pondering my actions. First, what is a credit freeze? A credit freeze stops the credit bureau from releasing your credit report...

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2-day training for agencies working with limited resource audiences on financial management

Does your agency work with low to moderate income clients on debt management, budgeting, or understanding financial products like payday loans and prepaid debit card? University of Illinois Extension's All My Money: Change for the Better curriculum was created for you! All My Money: Change for the Better is designed s...

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Consumer Economics Educator Position Open

Would you like to be a part of the team that writes this blog?  University of Illinois Extension is looking for a dynamic person who would like to teach personal finance and consumer issues! Is this you or someone you know?  The position closes September 29th so act now. Extension Educator, Family and Consumer Science (Consumer Economics) – Unit 12...

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DECISIONS 2

Buyer's Remorse: The Consequences of My Quick Decisions

Anyone who knows me, knows that I tend to overthink things. I'll research even the smallest decision. Major decisions can take forever. I like to joke that I do my buyer's remorse before I make the purchase: I'll already know what the potential disappointments are, or trade-offs I've made, before I hand over the credit card. No surprises! On the one hand, I know that this is ho...

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I Want it My Way: Power of Attorney Can Help

On a good day, I wonder if my family hears what I say or if all they hear is "blah, blah, blah!" However, when I talk about what I want to happen if I'm in an accident, hospitalized or die, I'm SURE some of my family completely blocks my words. That's why I think it's so important that I write down how I want my health and my property handled if I can't talk for myself. Luckily, we have...

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