MSU Extension Personal and Financial Management Publications 1 1 1

Main Author: Marsha A. Goetting Ph.D., CFP®, CFCS Professor & Extension Family Economics Specialist Department of Agricultural Economics & Economics 2 2 2

www.montana.edu/estateplanning/ eppublications.html Website www.montana.edu/estateplanning/ eppublications.html Print out FREE 3

From local county Extension offices Available FREE: From local county Extension offices 4 4

but there is a charge for postage Order from: https://store.msuextension.org but there is a charge for postage 5 5

Credit Management 6 6 6

Credit Card Trackers EB-168 Small credit card tracker that fits around credit/debit cards. Includes a Record of Credit Card Debt. 7 7 7

Financial Management 8 8 8

Check Register EB 50 COST $1.00 Detailed instructions explain how to transform an own ordinary checkbook into a handy budgeting tool. 9

Using a Check Register to Track Your Expenses MT198903HR Accompanies Check Register Tracking System (EB 50) Explains how to utilize the Check Register. 10 10

Developing a Spending Plan MT199703HR Contains worksheets for balancing income & expenses so that money is available for the things families need most. 11 11

Helping with Friends Cope with Financial Crisis MT200206HR Explains the resources that are available to help friends that may be in financial crisis. 12 12

Schedule of Non-monthly Living Expenses MT198910HR Includes instructions & a worksheet for determining a set-aside amount for a family's non-monthly living expenses. 13 13

Using a Homestead Declaration to Protect Your Home from Creditors MT199815HR Explains how to file a homestead declaration to protect equity in home against most creditor’s claims. 14 14

Household Record-Keeping 15 15 15

Record of Important Papers Interactive Form provided by eXtension 16 16

Your Important Papers—What to Keep & Where MT199611HR Offers personalized & efficient system for preserving & safeguarding important family papers. Provides a handy reference for deciding what items to keep. 17 17

Marriage & Families 18 18 18

Lending Money to Family Members MT199323HR Analyzes potential hazards of loaning money to relatives. Reviews the tax implications & other legal aspects of the various options. 19 19

Premarital Agreement Contracts in Montana: Financial and Legal Aspects MT201212HR Lists items to consider and highlights some of the financial and legal aspects of premarital agreement contracts. 20 20

Remarried Families: Making Financial Decisions MT199323HR Explains how to develop spending plans and successfully communicate about financial goals within remarried families. 21 21

Talking With Aging Parents About Finances MT199324HR Provides strategies for dealing diplomatically with family finance issues with aging parents. 22 22

Saving & Investing 23 23 23

Montana ABLE Accounts: Achieving a Better Life Experience MT201809HR Savings Account allowing persons with disabilities to save money and not lose their SSI or Medicaid benefits. 24 24

First-Time Homebuyer Savings Accounts MT199918HR Explains how Montana residents can save money in a special savings account for the purchase of a first home & save on Montana income taxes. 25 25

Health Savings Accounts MT200704HR Explains the Federal Health Savings Account (HSA) eligibility requirements 26 26

Montana Medical Care Savings Account MT199817HR Explains: Who is eligible What expenses are allowed How to set up an MSA How much can be saved on Montana Income Taxes 27 27

Track’n Your Savings Goals MT200303HR Illustrates a technique to help track progress towards achieving family & personal savings goals 28 28

Track’n Your Savings Goals Register EB 164 A 36-page 3x6" savings register fits inside a checkbook cover to keep savings goals handy. 29 29

Family Economics Website www.montana.edu/ extensionecon/ familyeconomics 30