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Debt Drills

Financial Fitness logo Debt Drills:

  • Make a plan to stop accumulating new debt.
  • Build your budget to include a plan to pay all your debt.
  • Pay bills on time and in full every month to have a good credit score.
  • If you need help putting together a plan to get debt free, seek help from an accredited non-profit credit counseling agency.
  • Don’t fall for schemes from companies offering to help you pay only a percentage of your debt. These practices are highly predatory and deceptive.

Financial Suggestions Provided By:

Consumer Credit Counseling Service of Central Oklahoma – CCCS is a non-profit agency committed to helping people help themselves become financially strong individuals and families through counseling, debt management and education. www.cccsok.org or 405/7892227 or 800/364-2227

Read more: Debt Drills

Saving for the Future

Financial Fitness logo Saving for the Future:

  • Budget some of your savings for long-term investments – like Individual Retirement Accounts.
  • Investments involve commitment over time to quality funds and vehicles over several years. A professional can help determine good vehicles for you, though there is always risk.
  • If you have access to a matching employer sponsored 401 (k) or 403 (b), participate. It is the best return on your money you can achieve.
  • Early withdrawal from retirement accounts can cost you dearly in penalty fees.
  • Day trading on the stock market is more like gambling – not investing.

Financial Suggestions Provided By:

Consumer Credit Counseling Service of Central Oklahoma – CCCS is a non-profit agency committed to helping people help themselves become financially strong individuals and families through counseling, debt management and education. www.cccsok.org or 405-789-2227 or 800-364-2227

Read more: Saving for the Future

College

Financial Fitness logo Here is information that can help you learn more about saving money for college.

Saving for College (FINRA Smart Investing) - http://www.finra.org/Investors/SmartInvesting/SmartSavingForCollege/
This guide will help answer questions and give you the information you need to wisely save and invest for college.

College Savings Resources (FINRA Smart Investing) -http://www.finra.org/Investors/InvestmentChoices/CollegeSavingsPlans/P005962
Resources that you can use to learn about Section 529 Plans and other college savings options.

529 College Savings Plan Expense Analyzer (FINRA Smart Investing) - http://apps.finra.org/Investor_Information/Smart/529/Calc/529_Analyzer.aspege
Tool to help you compare how fees and expenses can reduce return.

Federal Student Aid - http://www.fafsa.ed.gov/
Takes you step by step through the process of applying for federal student aid including completion of the required application (FAFSAsm).

Oklahoma 529 College Saving Plan - https://ok4saving.org/
Everything you need to learn about opening and managing your Oklahoma 529 College Savings Plan is located right here.

Investing

Financial Fitness logo Here is information that can help you learn more about investing money.

FINRA Smart Investing - http://www.finra.org/Investors/SmartInvesting/
Helps investors build their financial knowledge to better understand the markets and basic principles of saving and investing.

Broker Check (FINRA) - http://www.finra.org/Investors/ToolsCalculators/BrokerCheck/
A free tool to help investors research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers.

Fraud Center (FINRA SaveAndInvest.org) - http://www.saveandinvest.org/FraudCenter/
Unbiased information and strategies to avoid investment fraud.

U.S. Securities and Exchange Commission - http://investor.gov/
Your online resource to help you invest wisely and avoid fraud.

Retirement

Financial Fitness logo Here are sources of information that can help you save money for retirement.

Retirement Calculator - http://apps.finra.org/Investor_Information/Calculators/1/RetirementCalc.aspx
Plan your investing strategy now so that you will have enough to see you through your retirement years.

Smart 401(k) Investing (FINRA Smart Investing) - http://www.finra.org/Investors/SmartInvesting/Retirement/Smart401kInvesting/Introduction/
Understand every aspect of how your 401(k) plan works.

Social Security Retirement Estimator - http://www.socialsecurity.gov/estimator/index.htm
Gives estimates based on your actual Social Security earnings record.

National Endowment for Financial Education - http://www.myretirementpaycheck.org/
A practical way to think about how you will pay yourself during your retirement years.

Paying for College and Career Training After High School

Smart Investing @ your library ® presents the forum Paying for College and Career Training After High School for parents and guardians of elementary, middle school and freshman age students

Shawnee Public Library - Saturday, April 24, 1 - 3 p.m.
Norman Public Library - Monday, April 26, 6:30 - 8:30 p.m.
Moore Public Library - Tuesday, April 27, 6:30 - 8:30 p.m.

This forum will provide parents and guardians with opportunities to learn more about saving, paying, and planning for post secondary education for their children.

Read more: Paying for College and Career Training After High School

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