University of Maryland Extension

Personal Finance

University of Maryland Extension provides basic financial education for young people and adults through research-based programs, often in collaboration with non-profits and community organizations.

Particular to youth financial education, UME educators are currently involved in schools, afterschool programming, 4-H Clubs across the state and work with children and youth at risk and their families. UME Educators, specialists in adult education, adapt youth financial education curricula to deliver train-the-teacher/youth leader sessions to expand the scope and diversity of outreach.

In addition, UME has become a recognized facilitator of advance training for personal finance educators through the Personal Finance Seminar for Professionals, an annual conference that provides training and updates on matters relevant to helping the individuals and communities that we serve.


Designed to connect middle school aged youth (grades 5—8) to real life financial concepts through a variety of hands on learning activities that can be taught in the classroom, in out-of-school programs and community settings.


A financial literacy and reading curriculum for children (grades 3—5).  This will be implemented in an after school setting, day camps, schools, or with other special interest groups.

YOUR MONEY YOUR GOALS: A Financial Empowerment Toolkit

Targeted to agencies that work with low-income or economically venerable people. It will help you help the people you serve become financially empowered.  This toolkit is designed to help you identify and share the information and tools that are best suited to help someone get started on solving specific financial challenges and reaching their goals. 


Participants will develop skills and strategies to manage effectively their personal finances through expected and unexpected economic change and life events.  Families will become proficient in the following areas:

  • Record keeping and organization, value clarification, goals and communication
  • Creating a spending plan, saving money, and tracking money
  • Homeownership
  • Understanding a credit report & scores, contacting credit agencies, debt management
  • ID Theft, frauds/scams

You may also request a specific topic of interest.  Most classes offered are free (some do have a minimal fee).  You may contact the Anne Arundel County Extension office at 410-222-3900 or for more information.

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University programs, activities, and facilities are available to all without regard to race, color, sex, gender identity or expression, sexual orientation, marital status, age, national origin, political affiliation, physical or mental disability, religion, protected veteran status, genetic information, personal appearance, or any other legally protected class. If you need a reasonable accommodation to participate in any event or activity, please contact your local University of Maryland Extension Office.