Debt management toolkit

After you've finished the quiz, find answers to your questions and learn money-saving tips in the stories below.

 

Fatten your wallet instead of your waist Paring down your expenses until the holiday bills are paid can make you healthier - both financially and physically. Tips for trimming expenses When you have to make a big job change, step back and simplify Some laid-off workers have found opportunities by returning to school or starting their own businesses. Many are finding that they have less to live on than before. Seek help to protect yourself Be honest and spend less than you earn Here's some advice from Steve Rhode's weekly column about debt and how to get out of it. Tips to keep ahead of debt

Budget is foundation for financial security Spending more than you make is how you get into debt. Cutting spending and whittling down that debt is how you take control of your financial future. Budgeting Web sites Credit cards can be used to your advantage Credit cards aren't the root of all evil. A credit card can be a tool toward managing your money and improving your credit score. Card shopping tips TreasuryDirect makes buying U.S. savings bonds easier Saving a little for the long haul is as easy as going online. Investors can open accounts directly with the U.S. Treasury Department, have money deposited by payroll deduction, then buy Series EE or I savings bonds in amounts as small as $25. About U.S. savings bonds