Whether it’s handling credit card debt, investing for retirement or college funds, purchasing a new home, avoiding foreclosure, or simply wishing to have a better handle on personal finances, MSU Extension offers several programs to assist individuals, households, organizations and communities to become more sustainable spenders through education focused on financial capability. 

In 2017, MSU Extension reached 665 adults across 45 counties with educational programs on managing personal and household finances. For a majority of participants (62 percent) their annual household income was less than $18,000. The plurality of participants were employed (43 percent) and were currently renting (45 percent). 

Pre- and post-program evaluations revealed participants improved and maintained knowledge on ten learning objectives and behavioral indicators of program outcomes. As a result of the program: 

• 81% keep track of spending and income.
• 81% pay bills on time.
• 76% review all credit card bills and financial statements.
• 76% save money regularly.
• 69% pay down debt or pay off new credit charges each month.