The major extension program in the Department of Apparel, Housing and Resource Management is the Family Resource Management (FRM) program. The department works hand-in-hand with Virginia Cooperative Extension (VCE) agents throughout the state. These agents present a variety of educational programs to very diverse audiences.
Extension Program Areas
Family Financial Management
The extension program in family financial management focuses on personal financial management issues throughout the life cycle for consumers and families of all socio-economic backgrounds. Programs are related to:
Budgeting and cash management
Debt management
Saving and investing
Insurances
Retirement planning
Estate Planning
Identity Theft
Fair Credit Practices
First Time Home Buyers
Educational Programs Available:
Money Speaks: Helping teens and parents communicate about money
Provides teens and parents with information on many financial and communication topics ranging from writing a check, forming a spending plan, and buying a car to dealing with family conflict and improving family financial discussions. Regular and healthy family financial discussions can help teens prepare for the challenges they will face once they are on their own.
CD for parent and teens on money issues - available soon!
Resources for College Students
Online family and consumer sciences resources for college students
"To Be a Have or Have Not: The Choice is Yours - Introduction to Financial Management for College Students"
This program, developed with a grant from the National Endowment for Financial Education, is now being distributed by Dr. Hayhoe. To order a copy of this program, please click on the above link and then choose "Order Form."
This website is currently under construction. Contact Dr. Celia Hayhoe for more information at (540) 231-3497 or email at chayhoe@vt.edu
"Your Spending, Your Savings, Your Future: A Beginner's Guide to Financial Readiness"
A free booklet for young adults from the National Endowment for Financial Education.
"Protecting Your Retirement & Other Financial Information for Family Caregivers"
What Young Adults Need to Know About Money
Extension Publications
Virginia Cooperative Extension Publications/Articles:
Monthly Economic Updates
Useful Links
Consumer Education:
Consumer World
Federal Consumer Information Center
Federal Trade Commission
Fraud Watch
Virginia Attorney General's Office
National Consumers League
Virginia Department of Agriculture and Consumer Services
Financial Management:
American Bankruptcy Institute
Statistical Abstract of the United States
US Census Bureau
USDA Economic Research Service
Weldon Cooper Center for Public Service