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Spending and Borrowing

You make decisions about your money every day, and it can be hard to think about the long term when you feel like you’re living paycheck to paycheck. But even with limited resources, there are ways you slowly and steadily can prepare for the future. You may have to start small, but with a solid spending plan, you can see where your money is going and cut waste you didn’t know you had.

person making an online purchase

Shop smarter and cut spending to take control of your finances and better manage your bills.

hand buried under paperwork reaching for credit card

Learn smart ways to pay off debt and spot debt payment scams to repair credit or build good credit as you increase your credit score.

online loan application

Where can you get money to buy a house, buy a car or start a business? SAM's tips for how to qualify for a loan, including how your credit score affects your interest rates and common dangers of borrowing.

medical office supplies

Know your options to pay medical bills, especially if you can’t pay medical debt or if you need to pay for medical treatment for a family member.