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UT Institute of Agriculture > Family and Consumer Sciences >

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Spend LessContacts:

Contact Your County Extension Office

Ann Berry, PhD, MBA, RFG
Dena Wise, PhD
Marci Hethmon, MS
Barb Metzger, MS

Ask an Expert​
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Family and Consumer Sciences Logo 
Spend Less Than You Earn

​Your first priority in gaining control of your finances is probably the hardest—living within your means. Your income has to be more than your expenses if you are going to get ahead. If you know or suspect that you’re spending more than you are taking in each month, you have two choices. You must either

Increase your income OR Reduce your expenses

In reality, you may try to do both in combination as you work out a financial plan that’s right for you.​
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Partner Links

  • America Saves
  • CashCourse
  • Centers for Medicare & Medicaid Services
  • Federal Reserve Bank of Atlanta
  • Federal Reserve Bank of St. Louis
  • FINRA Investor Education Foundation
  • National Consumers League
  • NEFE High School Financial Program
  • Policy Institute for Family Impact Seminars
  • Tennessee Department of Financial Institutions
  • Tennessee Financial Literacy Commission
  • Tennessee Housing Development Agency
  • Tennessee Jump$tart Coalition
  • Tennessee Vulnerable Adult Coalition
  • U.S. Trustee’s Office
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Program Links

  • On My Own
  • LifeSmarts
  • LifeSkills
  • Tennessee Saves Piggy Bank Pageants
  • Love Your Money
  • Money Crunch
  • You’re Not Alone
  • Faith & Finance
  • Tennessee Saves
  • Tough Times, Tough Choices
  • Personal Finance Training for Teachers
  • Homebuyer Education
  • Bankruptcy Counseling & Debtor Education
  • Health Insurance Education
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Links You Can Trust

  • Apply for Social Security benefits
  • Calculate the cost of credit
  • Calculate return on savings and investments
  • Compare interest rates
  • Get free tax preparation help
  • Get tax forms and publications
  • Find a help agency in your community
  • Find help when you’re unemployed
  • Find housing assistance in Tennessee
  • Find Tennessee human services assistance programs
  • Foreclosure prevention counseling and assistance
  • Learn about your health insurance options
  • Put a freeze on your credit report
  • Receive your free credit report
  • See if you quality for the Earned Income Tax Credit
  • Sign up for the National Do Not Call Registry
  • Steps to take if your identity is stolen
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American Association of Family and Consumer Sciences​ ​​​​​​

The University of Tennessee Extension
Family and Consumer Sciences
2621 Morgan Circle, 121 Morgan Hall
Knoxville, TN 37996-4530
Phone: (865) 974-7384
Fax: (865) 974-1068

   American Association of Family and Consumer Sciences
   
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Real Life Solutions

The University of Tennessee Institute of Agriculture
Knoxville, TN 37996
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