Introduction to financial planning and links to planning sites Credit and budgeting info, including counseling Purchasing, saving money, & consumer protection (handling trouble with a purchase) Buying or repairing a car Education: the GED, college, and training including financial aid Identity theft - prevention and recovery for a basic guide to smart use of money.

PURCHASING, SAVING MONEY, AND CONSUMER PROTECTION

MSN Money offers tips on Savings in this article.

When you try to save, you might actually waste money instead. This article from TheStreet describes five ways to be sure you are on the right track.   to read the article.

There are risks in owning a credit card.   to read some credit card traps.

The Federal Reserve Board conducts regular surveys of available credit cards. Check out the site.

"America Saves" is a non-profit organization helping people find ways to save money. Its website offers not only tips on saving money each month but also strategies for the long run.

Consumer Reports -- a non-commercial magazine -- also has a website that gives tips on making purchases and saving money.

If you are having trouble -- or want to avoid trouble -- with a purchase, these links may be helpful.

• The Office of the Maryland Attorney General offers legal advice on many issues, including how to file a complaint and how to avoid fraud.
• The State's Office of People's Counsel concentrates on concerns with utilities.
• Montgomery County's Office of Consumer Protection provides Services for Consumers including how to file a complaint.
• For more info or to file a complaint, call 1-877-382-4357.
• Consumer World gives links to Consumer Agencies.
• The Better Business Bureau. Check here before you threaten a business with "reporting it to the BBB."
• Washington Checkbook rates local businesses. Some parts of this site require a subscription, but others are free.
• DC-based information for consumers and consumer protection.

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