Credit is available from many sources. Becoming aware of the differences among financial institutions related to borrowing costs and other factors while wisely managing your debt will help you avoid financial difficulties.
| Short-Term Financial Planning Activities | Comparing Credit Websites |
| 1. Evaluate your current use of credit cards. Compare various credit card offers related to APR, annual fee, grace period, and other fees. | PFP Sheet 30 | |
| 2. Compare various credit sources for loans related to various financial needs. | PFP Sheets 31 |
| Long-Term Financial Planning Activities |
| 1. Investigate various actions commonly taken to avoid debt problems. | Pages 214–217 |
| 2. Prepare a spending plan to minimize the use of credit. | |
