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Seeking additional information regarding spending, saving, and borrowing decisions can be one of the first steps toward a more secure financial future. The University of Kentucky has compiled a series of resources to assist Kentuckians in managing their current financial situation in all areas of their everyday life, from budgeting and saving to community resources.

Click on the categories below for more information about each.


One of the goals of the Managing in Tough Times Initiative is to provide practical and timely information to Kentucky households. These tips provide simple information that can be put to use in everyday life. New tips are added on a regular basis.