For most households, savings and assets are the critical first line of defense against emergencies, unforeseen expenses, and income interruptions. Help your household by learning family finance skills. Examples include:

•    Identify money habits and attitudes
•    Live within your means by spending less than what you earn
•    Track and reduce expenses, while following a budget
•    Avoid debt and manage loans wisely
•    Build good credit
•    Avoid payday lenders, pawn shops, and loan sharks
•    Build an emergency fund
•    Ask tough questions and set goals