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OSU Extension Offers Free “Manage your Money” E-mail Challenge

Manage Your Money E-mail Challenge

Overspending is never more evident than during the holidays, when holiday spirit can trip-up even the most careful budgeters.  But what happens at the beginning of the New Year?  According to the University of Scranton, Journal of Clinical Psychology, spending less and saving more is one of the top five New Year’s resolutions annually.  But without a plan for keeping New Year’s resolutions, experts say you’re likely doomed to fail.

Having trouble making ends meet?  Does your paycheck run out before the month does?  Wondering what happened to all your money last year?  Need help in making your dollars go further?  If you answered “Yes” to any or all of these questions, you will definitely want to participate in the Money Management e-mail challenge.

Many households in the United States are living on the financial “edge” with little or no savings and high debt loads.  The Consumer Federation of America estimates that there are more than 55 million American households with revolving credit-card balances. On average, each household with a credit card carries more than $15,000 in credit card debt. According to the 2012 National Financial Capability Study, 17% of Ohioans reported spending more than their household income, not including major purchases.

Low savings rates (savings as a percentage of disposable income) are also cause for concern.  Less than half of Ohioans (38%) and Americans (40%) have sufficient emergency savings (FINRA Investor Education Foundation, 2012).  In 1984, Americans saved 8.8% of their after-tax income.  In 1996, the U.S. savings rate was only 4.9%.  Today’s rate is 4.6%.

Please consider joining Ohio State University Extension’s six-week financial well-being challenge – “Manage Your Money”.  It runs January 12 – February 28, 2015.  Interested participants can sign up by going to:   before January 8.

This challenge is designed to assist consumers in improving their financial well-being through free, weekly e-communications, containing several topics including saving, credit, debt, budgeting, organizing financial records and calculating net worth. Worksheets related to each of the financial management topics will be available for download to help participants track their progress and apply the knowledge presented.  Pre-and post- challenge surveys will be used to collect data to determine program impact and ways to improve future programming efforts.


CFAES provided research and related educational programs to clients on a nondiscriminatory basis.  For more information:

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