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University of Tennessee, Knoxville

2008

Financial Management

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Sp711 Tough Times, Tough Choices... You're Not Alone In A Financial Crisis, The University Of Tennessee Agricultural Extension Service Dec 2008

Sp711 Tough Times, Tough Choices... You're Not Alone In A Financial Crisis, The University Of Tennessee Agricultural Extension Service

Financial Management

When income doesn’t cover expenses for several months, you and your family face tough choices. But these choices don’t have to be made alone. Reaching out for help during times of financial stress may make the difference in whether your family emerges from the crisis with its emotional and physical health intact.

Supportive people in one or more of the following agencies and organizations may help you work through the problems that accompany a temporary crisis or a long-term life change. You pay for most of their services through tax dollars and community support. Tap their resources as you face …


Sp708 Tools For Money Management - Who Gets Paid First, The University Of Tennessee Agricultural Extension Service Jul 2008

Sp708 Tools For Money Management - Who Gets Paid First, The University Of Tennessee Agricultural Extension Service

Financial Management

A money crisis can happen to anyone as a result of a layoff, illness, death of a family member, divorce or overspending. If you’re in crisis, you may postpone making hard financial decisions until creditors begin calling. It’s easy to feel overwhelmed when a number of creditors are making demands or threats. Setting clear priorities about who gets paid first can help you overcome “debt paralysis” and deal with your finances in a positive way.


Sp709-A Tools For Money Management - Creditors List Instructions, The University Of Tennessee Agricultural Extension Service Jul 2008

Sp709-A Tools For Money Management - Creditors List Instructions, The University Of Tennessee Agricultural Extension Service

Financial Management

Your Creditors List will help you:

• Gather all your credit information into one document.

• Review your credit accounts.

• Total how much you owe.

• Prepare to make a plan for repaying or reducing your debt. (See “Debt Repayment Plan”instructions and worksheet, UT Extension publications SP710-A and SP710-B.)

• Prepare to complete a net worth statement. (See “Net Worth Statement” instructions and worksheet, publications SP612-A and SP612-B.)


Sp709-B Tools For Money Management - Creditor's List Worksheet, The University Of Tennessee Agricultural Extension Service Jul 2008

Sp709-B Tools For Money Management - Creditor's List Worksheet, The University Of Tennessee Agricultural Extension Service

Financial Management

No abstract provided.


Sp710-A Tools For Money Management - Debt Repayment Plan Instructions, The University Of Tennessee Agricultural Extension Service Jul 2008

Sp710-A Tools For Money Management - Debt Repayment Plan Instructions, The University Of Tennessee Agricultural Extension Service

Financial Management

A debt repayment plan will help you:

• Determine which debts to pay off first.

• Make a schedule for payments.

• Know how long it will take to repay or reduce your debt.


Sp710-B Tools For Money Management - Debt Repayment Plan Worksheet, The University Of Tennessee Agricultural Extension Service Jul 2008

Sp710-B Tools For Money Management - Debt Repayment Plan Worksheet, The University Of Tennessee Agricultural Extension Service

Financial Management

No abstract provided.