Financial Resources

Family Finances in Tough Times: OSU Extension Offers Materials, Education

The nation's economic downturn has families across Ohio pinching pennies and focusing on finances with a keener eye than ever. Often, they turn to Ohio State University Extension for free and low-cost information and programs.

Among the free publications, offered on OSU Extension's "Ohioline" Web site ( are:

The Home Account Book is also available for just a few dollars on OSU Extension's online "e-Store," at Other family finance items available for purchase on e-Store include:

  • "Budget in a Box" booklet ($4.25) and envelopes ($2.75), designed to help families track where their money goes and encourage them to spend with cash instead of credit. Research shows that people tend to spend less when paying with cash.
  • "Making Your Money Work" ($3.25), a 42-page workbook focusing on the basics of financial management.
  • The "Counting Your Money Calendar" ($2.00), a 12-month budgeting system in a calendar format.

OSU Extension also has assisted gathering information for Extension's national web resource, On the "Financial Crisis" pages (, dozens of materials are available including "Saving Money at the Gas Pump," "Controlling Spending," and "Debt Management in Tough Times." The web site also offers the opportunity for users to submit questions to Extension experts from across the nation for guidance on specific financial challenges.

In addition, OSU Extension offers two Signature Programs dealing with personal finance:

  • New Start. New Start classes are currently offered in 45 Ohio counties to people who have filed for bankruptcy. Classes are open to all Ohioans and residents of neighboring states. For more information, see
  • Real Money, Real World. In Real Money, Real World, students assume the role of a 25-year-old adult. They choose (or are assigned) one of 108 occupations with a corresponding salary, and find out how many children they're raising. After initial lessons, the program culminates in a real-life hour-long simulation: The students visit various booths staffed by community volunteers to pay for their housing, utilities, child care, transportation costs, insurance, phone and internet access, groceries, and other items typical in a family budget. More information is available at The curriculum is available on CD from OSU Extension at
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Ohio State University Extension embraces human diversity and is committed to ensuring that all research and related educational programs are available to clientele on a nondiscriminatory basis without regard to age, ancestry, color, disability, gender identity or expression, genetic information, HIV/AIDS status, military status, national origin, race, religion, sex, sexual orientation, or veteran status. This statement is in accordance with United States Civil Rights Laws and the USDA.

Keith L. Smith, Associate Vice President for Agricultural Administration; Associate Dean, College of Food, Agricultural, and Environmental Sciences; Director, Ohio State University Extension; and Gist Chair in Extension Education and Leadership.

For Deaf and Hard of Hearing, please contact Ohio State University Extension using your preferred communication (e-mail, relay services, or video relay services). Phone 1-800-750-0750 between 8 a.m. and 5 p.m. EST Monday through Friday. Inform the operator to dial 614-292-6181.