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Financial Basics

Learn some of the basics of financial health - from budgeting to managing credit.

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Financial Health   

The concept of financial health is the foundation of any financial plan.
Woman's hand writing out three goals on yellow legal pad.

Introduction to Budgeting   

Why budgeting is important, no matter how much money you earn.
Hand running credit card through credit card machine.

Credit vs. Debit Cards   

Credit and debit cards each have pros and cons. When should you use each?
Boy Scout in uniform with hand raised for Scout Pledge. Boy Scouts written above.

Credit Reports and Scores   

Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
Personal Check with pen point on amount box.

Managing Accounts   

Account management strategies for checking and savings.
Credit Report with Score

Building Credit   

Understanding the decisions and behaviors that can lead to improved credit scores.
Woman's forehead leaning down on her hand. Discouraged.

Identity Theft   

Understanding ID theft and how to prevent it.
3D dollar signs filling the image.

Paying for College

The basics of financial aid, including the types of aid, applying for aid, borrower responsibilities, and repayment strategies.

Graduation Cap on top of $100 bill

Financial Aid Introduction

Whether you're considering higher education for yourself or starting to plan for the education of your kids, understanding the financial aid process is the first step to meeting your education goals.
Road sign that says

Types of Financial Aid   

The main types of financial aid are education loans, grants and scholarships, work-study, and service programs.
Maze with the word Plan in the center.

Creating an Aid Strategy   

Considerations when planning to pay for school, including school choice, employment options, accounting strategies, and the importance of borrowing wisely.
Young woman reviewing calculator tape with notepad on table.

Understanding Financial Need   

Some aid is based on financial need and some is not. What exactly is "financial need?"
A hypothetical FAFSA admission ticket

Applying for Aid   

The aid application process, including descriptions of the FAFSA and Profile forms.
Cap and Gown will spare change and cardboard that says

Education Loans   

A description of the main types of student loans, including government loans, consolidation loans, and private loans.
Graduation Cap on top of a stack of quarters and bills.

Choosing the Right Loan

Questions every student should be able to answer before taking on a student loan.
Woman with shrugging shoulders -- not sure what to do.

Selecting a Private Loan Lender

When federal loans are not enough, private lenders such as banks, credit unions, and non-profit lenders can help to fill the gap.
A Promissory Note with sharp pencil on it.

The Master Promissory Note   

An introduction to the agreement that specifies your rights and responsibilities when accepting a student loan.
Young man dressed in cap and gown with $ tag hanging as a tassle.

Repaying College Debt   

A look at common repayment plans, including how different plans affect your monthly payment and overall cost.
Green dollar sign with graduation cap in a field on a sunny day.

Borrowing Wisely   

Making smart choices about student loans, including a description of the impact of loan capitalization.
asgag

Independent Student Status   

Understanding your financial aid dependency status, including a discussion of what to do if the parents of dependent students refuse to help them pay for college.
Life Saving Ring thrown in the air. White with bright red stripes.

Dealing with Too Little Aid

Why some students find themselves with too little aid and what can be done to make ends meet.
Woman's hand writing out three goals on yellow legal pad.

Saving 101

A GreenState, we believe savings is a key part of financial health.

Woman's hand writing out three goals on yellow legal pad.

Introduction to Budgeting   

Why budgeting is important, no matter how much money you earn.
Person putting coin into a pink piggy bank.

Money Saving Ideas

Looking for ideas for ways to save money? Almost everyone can find a way to save using at least one of these tips.

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This Week

Buying a Car

A car purchase is a high-stakes deal for just about anyone. This week, we'll cover strategies for finding the best car and successfully negotiating the best overall price.

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Introduction to Budgeting

Income and Expenses

How to Improve Cash Flow

Tracking Your Spending

Making Sense of Your Budget

About MoneyRight

MoneyRight Financial Wellness Tools are powered by and provided by GreenState Credit Union. Organized in 1938 as the University of Iowa Community Credit Union, GreenState has grown to be Iowa’s largest credit union and one of the top financial institutions in the United States for returning profits to members in the form of better rates and lower fees.

Have a question?

Mark Nolte
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marknolte@greenstate.org

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