Module
Financial Wellness • Mercer County, WV
Financial wellness means having control over your money instead of money controlling you. This module focuses on budgeting, credit, debt reduction, and scam prevention.
Key Topics
- • Use a realistic budget to track needs, wants, and savings or debt payoff.
- • Understand the five credit score factors and use low-risk ways to build credit.
- • Compare snowball and avalanche debt payoff methods and avoid high-interest traps.
- • Recognize scams, monitor accounts, and protect your personal information.
Action Steps
- • Track every dollar you spend for one week and review where your money is going.
- • Pull your free credit report and check it for errors.
- • List every debt you owe and choose either the snowball or avalanche payoff method.
Local resources for your county
Mercer County, WV
Mercer County residents can combine national financial tools with local WV support programs and credit union options.
- • Annual Credit Report - annualcreditreport.com
- • CFPB Consumer Tools - consumerfinance.gov/consumer-tools/
- • National Foundation for Credit Counseling - nfcc.org
- • Identity Theft Help - identitytheft.gov
- • Mint - mint.intuit.com
- • EveryDollar - everydollar.com
- • FTC Credit Freeze Guide - consumer.ftc.gov/articles/what-know-about-credit-freezes-and-fraud-alerts
- • CASE WV - Community Action of Southeastern West Virginia
- • Mercer County Teachers Federal Credit Union
- • WV State Treasurer Financial Education - wvtreasury.gov/Citizens/Financial-Education