Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Money

Couples Managing Money

A study conducted in the spring of 2014 by UBS Wealth Management America, reflects that there are still big gender differences between men and women with regard to financial decisions. The study indicates that even though both spouses believe that they are equally involved in family finances, women are more likely to pay the day-to-day […]

WRITTEN BY: Kathy Michelich

REVIEWED BY: Amanda Woods

Perils of Budgeting on the Home Front

If you have ever asked, ‘how do I put together a budget’, you are not alone. It is difficult to set up a budget and stay true to it, with a myriad of expenses coming our way. Have you ever wondered what the biggest hurdles to budgeting are and how people get around them? Some […]

WRITTEN BY: Nancy Stehulak, M.Ed, Extension Educator, Henry County

REVIEWED BY: Amanda Woods, M.Ed, Healthy Finances Program Specialist

PHOTO CREDITS:

  • pixabay.com

REFERENCES:

  • Manage Your Money, http://extension.missouri.edu/p/GH3830#spending

Personal Safety: Protecting Yourself From Scams

From an early age we are taught to focus on personal safety, learning to protect ourselves from danger whenever possible.  In time, we learn that personal safety includes many areas of our lives, and should also include maintaining and protecting our financial wellness.  One way that we can maintain our financial wellness is to be vigilant about […]

WRITTEN BY: Amanda Woods, M.Ed. Healthy Finances Program Specialist, Family and Consumer Sciences, Ohio State University Extension

REVIEWED BY: Melanie S. Hart, M.S. Family and Consumer Sciences Educator, Ohio State University Extension & Shawna Hite, Healthy People Program Specialist, OSU Extension Family & Consumer Sciences

SOURCES:

  • https://www.ftc.gov
  • http://www.ohioattorneygeneral.gov

REFERENCES:

  • http://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/Consumer-Tips/Consumer-Tips-Scams
  • http://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers
  • https://www.consumer.ftc.gov/articles/0060-10-ways-avoid-fraud
  • https://www.consumer.ftc.gov/articles/0003-phishing
  • http://ftc.gov/idtheft
  • http://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/Scams
  • http://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/File-A-Complaint.aspx

Public Service Loan Forgiveness (PSLF)

The Public Service Loan Forgiveness (PSLF) program was established after Congress signed into law the College Cost Reduction and Access Act (CCRAA) in 2007, yet not many people know about it.  The PSLF can reduce or eliminate federal student loan balances for individuals who work full-time at a public service organization (nonprofit) for ten years.  […]

WRITTEN BY: Melanie S. Hart, M.S. Family and Consumer Sciences Educator, Ohio State University Extension

REVIEWED BY: Amanda Woods, M.Ed. Healthy Finances Program Specialist, Family and Consumer Sciences, Ohio State University Extension

PHOTO CREDITS:

  • Pixabay.com

SOURCES:

  • Karen Fessler, Innovative Student Loan Solutions

REFERENCES:

  • https://www.congress.gov/bill/110th-congress/house-bill/2669 (College Cost Reduction and Access Act)

Subscriptions: Convenience, at what Cost?

For decades, consumers have subscribed to magazines and periodicals, and each month are presented with fresh reading material. Fast-forward to more recent times, and subscriptions to “[item] of-the-month” clubs become popular gifts. Still today, more and more products that we consume or use regularly are becoming available to us via subscription services. According to the […]

WRITTEN BY: Joanna Rini, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, rini.41@osu.edu

REVIEWED BY: Candace J. Heer, Family and Consumer Sciences Educator, Ohio State University Extension, Morrow County, heer.7@osu.edu

PHOTO CREDITS:

  • https://www.uspsoig.gov/

SOURCES:

  • http://www.pewresearch.org/fact-tank/2016/01/29/us-smartphone-use/

REFERENCES:

  • http://livesmartohio.osu.edu/author/rini-41osu-edu/

Using a 529 Plan to Save for College

With annual tuition at U.S. public universities averaging nearly $9,500, saving money for a child’s college education may seem daunting.  But even small amounts saved regularly will help, and over time will add up.  One of the best tools for saving for college is a 529 Plan.  These federally established college investment accounts provide a […]

REVIEWED BY: Amanda Woods, M.Ed. Healthy Finances Program Specialist, Family and Consumer Sciences, Ohio State University Extension

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