National Financial Literacy Month is recognized each year in April to raise public awareness of the importance of financial literacy and maintain smart money management habits.

1. Ask for help. If you’re struggling financially, immediately contact your credit union or bank, credit card company, utility provider, mortgage company, or landlord. Although it’s never easy to ask for help, it’s better to work out a payment arrangement than to let the account fall behind.
2. Check your credit. Pulling your credit report once a year to make sure the information is accurate, complete and up-to-date. Reviewing your credit report will also help to guard against identity theft.
3. Beware of frauds and scams. Each year scam artists and identity thieves steal billions of dollars from unsuspecting consumers. Learn how to recognize common scams, protect yourself and your money, and take action if you think you are a victim of fraud.
4. Build or refine your budget. The NCUA encourages you to use our Money Basics Guide to Budgeting and Saving. Having a budget allows you to have a clear view of your income and expenses all in one place. It will help you live within your income, prioritize saving, and meet financial goals, today and in the future.
5. Learn something new. What financial decision have you avoided because you don’t know what to do? Research that topic on MyCreditUnion.gov so you can make an informed decision.