There's a lot to learn about money, and there's plenty of free information available. The Federal Reserve education web site, www.federalreserveeducation.org, offers personal financial education information and links to many useful resources.

TRY THIS: Look for organizations in your community that can help you learn more about setting financial goals, budgeting, saving, using credit wisely and getting the best deal. Here are some possibilities:

Nonprofit credit counseling service Library Community college Bank or credit union Nonprofit community development corporation Nonprofit housing organization Religious organization Senior citizen center Employee assistance program Cooperative extension service