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Spending and saving

People use different strategies to manage their money. Some people plan their spending for today and tomorrow. Others prefer to spend their money without planning, which may result in financial problems. No matter your situation, the following resources will help you manage your spending and savings to better meet your goals.

All About Prize-Linked Savings Accounts — Get the scoop on the prize-linked savings accounts that are now available through participating Minnesota credit unions.

Are You the Owner of Unclaimed Property? — Find out whether the state of Minnesota is holding money that may belong to you.

Cash-Based Payment Options: What's Right for You? — Find out what cash-based payment methods are available and how to conduct commercial transactions safely. English | español

Discounted Entertainment for Families — Get ideas for discounted, low-cost, and free entertainment options to get your family out and about in your community. English | español

Holiday spending — Develop a game plan ahead of time to avoid holiday debt.

Managing Payday Loans and Other Tips for Avoiding the Debt Trap — Gain control over your “fringe” creditors to start taking steps to save money and create wealth for your family’s future. English | español

Sending Money Abroad — Learn what a remittance is, how to send one, and why they're important.

Related resources

Strategies for spending less — When your family faces reduced income, take immediate action to stop all excess spending. Part of the Getting through tough times series.

Shop and save — Stretch your food dollars with our tips and resources. English | español

Save money and the environment by reducing food waste — Learn how you can reduce food waste by planning menus, shopping smart, understanding food dating, and finding new uses for leftovers. English | español

Minnesota's cold weather rule helps you keep the heat on in the winter — Apply for a Cold Weather Rule plan before you start struggling with your heating bill this winter.

The Financial Side of Family Transition — Even if you are comfortable with all of the changes, you will still probably experience financial upheaval after a divorce or separation. Get tools and information on specific financial situations that you may encounter after a family transition.

Disaster recovery — Offers families new or additional resources following a disaster. Includes the Recovery After Disaster: The Family Financial Toolkit.

The Newcomers' Guides to Managing MoneyConsumer Financial Protection Bureau — Access online resources that provide recent immigrants with straightforward information about basic money decisions. Each guide features tips to avoid financial pitfalls, and information on how to submit a complaint if you're having problems with a financial product or service. In English and Spanish.

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