Welcome to the Financial Wellness Center

Financial decisions almost always involve a trade off - getting something now usually means giving up something else.

• Choices About Money
  Financial decisions almost always involve a trade off - getting something now usually means giving up something else.
• Your Financial Values
  While each of us may have different values, we all make financial decisions based on them.
• Setting Financial Goals
  Setting financial goals gives us the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than as how we are.

A look at the financial challenges of raising a child.

• Introduction
  Having a baby is not just a family decision, it's a financial decision too.
• Babies and Budgets
  How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best on any long-term debt, and creating an emergency fund.
• Paying for the Baby Years
  The non-childcare costs you can expect when having a baby, from cribs to health insurance.
• Managing Risks
  Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.
• Children and Taxes
  A review of the tax benefits that can help you manage the expenses incurred with children.
• Childcare Choices
  An overview of different childcare choices and the financial implications of each.
• Growing Up - Childhood and Beyond
  A look at the additional costs of raising a child beyond the first few years including the indirect costs.

One in five Americans have bad credit, which is commonly defined as a credit score below 620.

• Understanding Chronic Debt
  Spotting the warning signs of excessive debt.
• Recognizing the Warning Signs of Financial Trouble
  An introduction to the steps you can take to begin dealing with financial problems.
• Debt Management and Reduction
  Whether you do it yourself or work with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.
• Repairing Credit
  There are no quick fixes when it comes to removing negative items from your credit report or raising your credit score. Only consistent efforts and payments on your debts will improve your credit.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who needs life insurance, types of policies, and how to determine coverage.
• Renter's Insurance
  Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  The benefits and costs of these often complex policies.