Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Personal Loan Rates - Need a smaller loan for the consolidation of your credit cards? Personal loan credit is typically unsecured and does not require you to provide security in the form of your assets, such as your car or other personal assets.
• Debt Management Consolidation - Too many debts and payments to be able to keep up? Compare different debt management services that may be able to help you get control of your bills.
• Debt Settlement Services - If you have too many credit cards and other small debts and are unable to make your payments, this form of debt negotiation may be right for you.

For Major Life Events:

Ways to Cope Financially During and After a Big Change

Here are suggestions for staying focused and avoiding costly decisions during changing times.

Getting married. Newlyweds should say "I do" to a plan to manage money together responsibly. Before getting married, a couple should understand each other's attitudes toward saving and spending money. And to avoid big surprises, they also should know about any major outstanding debts held by their partner. A husband and wife also should set short-term and long-term financial goals.

Buying your first home. For most people, buying a home will be the biggest expense of their life, starting with the initial purchase (including a "down payment" and fees paid to the lender and others) followed by years of monthly mortgage payments, real estate taxes, insurance and maintenance costs. But homeownership often can be a tremendous (perhaps your best) investment and a source of tax breaks as well as stability.

A new child. A new member of the family brings extra financial responsibilities. You can have one fewer thing to interrupt your sleep at night if you get the family finances in shape. Start by getting spending under control (preferably with a budget). Also build your savings accounts for short-term expenses (especially if a spouse will be leaving a job) and long-term needs (including college tuition costs). In addition, review and update your insurance coverage (life, health, disability) and wills (to designate who will raise the child and handle finances in case of your death).

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 05/13/2008

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