UACES Facebook uaexMoney Personal Finance Advice and Tips for Arkansans | Setting budgets for Arkansas families
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Want to know the best ways to save and earn money? We can help. We provide the latest research-based information about personal finance.

  • Discover ways to increase financial security. 
  • Gain skills to build wealth.
  • Make the most of your resources. 

Living resourcefully

Income can drop for a variety of reasons.  Most people will face at least one financial crisis during their lifetime.  Though circumstances may seem beyond your control, you can change some aspects of your situation.  Take action to make the most of your resources and reduce anxiety. Look for ways to downsize spending, manage debt, and find additional resources.

Gain control by making a list of all expenses and income.  List everything that you spend in a typical month.  Identify basic needs like food and shelter.  Look for places to eliminate unnecessary expenses.  Estimate income. Create a plan. Click on the links below for more ideas.

Living Resourcefully During the Pandemic

Basic cash flow worksheet – match expenses and income.

Ways to control spending.

Tips to reduce expenses.

If you can't pay credit card bills

Build Your Credit Score

Money traps that will keep you broke

Wellness Wheel

Financial Inventory

Net Worth Worksheet