After completing Budgeting and Saving: Confronting Debt, the user should be able to:

	Avoid paying bank transaction fees and service charges
	Explain how interest rates work
	Negotiate better rates on accounts and loans
	Compare banking options such as credit unions and other banks

Avoiding Fees and Service Charges

	Understanding fees and charges
	Avoiding fee robbery
	Avoiding check-cashing outfits

Understanding Rates

	Banks: Cashing in on your ignorance?
	Learning the basics and the lingo
	Adjusting the numbers
	How banks set their rates
	Factors banks watch

Finding Better Rates

	Avoiding rate-related pitfalls
	Negotiating — it works!

Considering Banking Options

	Reasons to switch banks
	Making the switch
	Considering a credit union

This course has the following features:

	Exercises that allow users to explore how a course topic applies to budgeting and saving
	A file containing the text of the exercises
	Activities that allow users to apply concepts in an interactive questioning environment
	A glossary
	A Skill Assessment

	Budgeting and Saving: Confronting Debt (BUDG01)
	Budgeting and Saving: Eliminating Debt (BUDG02)