After completing Budgeting and Saving: Eliminating Debt, the user should be able to:

	Choose the best credit card for his/her needs
	Avoid paying unnecessary fees and service charges
	Minimize revolving debt
	Rebuild damaged credit

Understanding Credit Cards

	Credit card overview
	Fixed-rate cards
	Variable-rate cards
	Gold, platinum, and titanium cards
	Secured cards
	Cards with value-added benefits

Developing Smarter Credit Habits

	How credit cards work
	The unfortunate necessity of credit cards
	Minimizing credit card fees and expenses
	Controlling your credit card habits

Getting Out from Under Debt

	Facing financial reality
	Cutting unnecessary expenses
	Borrowing wisely

Rebuilding Damaged Credit

	Getting a secured credit card
	Understanding how you're rated
	What to do if you're in over your head
	When the bill collector comes calling

This course has the following features:

	Exercises that allow users to explore how a course topic applies to budgeting and saving
	A file containing the text of the exercises
	Activities that allow users to apply concepts in an interactive questioning environment
	A glossary
	A Skill Assessment

Budgeting and Saving: Confronting Debt (BUDG01)

Budgeting and Saving: Banking Basics (BUDG03)