Welcome to the Financial Wellness Center

New resources each week for the Guilford College community.

This Week

Marriage and Money

Whether you're getting married or just getting serious, mingling financial accounts with a significant other takes some careful consideration and planning.

Explore Articles

Featured Topics

Explore topics and videos from the Guilford College team.

Woman with hand under trunk of tree with $ signs as leaves on chalkboard

Financial Health
The concept of financial health, including smart decision-making.

Woman's hand writing out three goals on yellow legal pad.

Introduction to Budgeting
Why and how to budget.

3D dollar signs filling the image.

Tracking Your Spending
A simple way to get the most from your monthly budget.

Bank Teller dispensing cash under bank window.

Choosing a Bank or Credit Union
Types of financial services accounts.

Nest with gold egg in it.

Checking and Savings Accounts
Checking and savings accounts strategies for minimizing fees.

Hand running credit card through credit card machine.

Credit vs. Debit Cards
Credit and debit cards each have pros and cons. When should you use each?

Financial Wellness Courses

Make real progress in less than an hour.

Woman looking at several forms on a table with her hand on a calculator.

Budget Basics

27 minutes

Get Started

From setting goals to paying off loans, the basics of effective budget management.

  • Introduction to Budgeting
    Why and how to budget.
  • Income and Expenses
    A big part of budgeting is identifying income and listing expenses.
  • Making Sense of Your Budget
    After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
  • Tracking Your Spending
    A simple way to get the most from your monthly budget.
  • How to Improve Cash Flow
    Cash flow is a key indicator of your financial health.
  • Money Saving Ideas
    Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.
  • Nudging Yourself Toward Your Goals
    No matter what your financial goal, it's important to have an accountability system in place.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
Person handing car key to another person.

Buying a Car

30 minutes

Get Started

From choosing a make and model to financing a purchase, topics every consumer should understand when buying a car.

  • Buying a Car Introduction
    An introduction to the basics of this major purchase and responsibility.
  • Choosing a Make and Model
    A look at four important factors to consider when choosing a car: fuel consumption, insurance rates, reliability, and depreciation.
  • The Total Cost of Ownership
    Understanding the many costs associated with owning a car - from financing to taxes.
  • Buy or Lease?
    Understanding the pros and cons of vehicle leasing.
  • Financing a Car Purchase
    How a loan affects the total cost of buying a car.
  • Evaluating a Used Car
    How to "do your homework" before buying a used car.
  • Negotiating Your Car Purchase
    Effective negotiation could potentially save you thousands on your next car purchase.
  • Setting a Target Price
    How to set a realistic target price for both new and used vehicles.
  • Negotiating Price
    Know what to expect when negotiating the best deal.
  • Avoiding Surprises
    Think the negotiating is finished when you agree on a price? Here's how to negotiate dealer extras and extended warranty pitches.
  • Common Mistakes When Buying a Car
    Twelve common mistakes to keep in mind when shopping for a car.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
Pencil eraser taking the

Dealing with Debt

32 minutes

Get Started

What to consider if you're in trouble with debt, from creating a debt reduction plan to your rights when dealing with debt collectors.

  • Signs of Financial Trouble
    Spotting the warning signs of excessive debt.
  • Dealing with Financial Trouble
    If you ever find yourself experiencing financial trouble, there are steps you can take to get back on track and to minimize the damage to your credit.
  • Debt Reduction Plans
    Whether you do it yourself or work with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.
  • Credit Counseling
    The role of credit counseling organizations and how a debt management plan works to restore credit over time.
  • Choosing a Credit Counselor
    The best way to find a good credit counselor is to know what questions to ask.
  • Credit Repair Scams
    There's a big difference between a non-profit credit counseling service and a credit repair scam. Learn how to tell the difference.
  • Debt Collection
    Your rights and responsibilities when dealing with debt collectors.
  • Debt Collection and Legal Actions
    What to expect if you are sued over debt.
  • Understanding Bankruptcy
    The types of bankruptcy and why bankruptcy should be used only as a last resort.
  • Repairing Credit
    There are no quick fixes when it comes to removing negative items from your credit report or raising your credit score. Only consistent efforts and payments on your debts will improve your credit.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
Kid on a bike heading down a long road. Word START is next to boy.

Financial Basics

60 minutes

Get Started

This course covers the basic concepts required to effectively manage money while in college.

  • Financial Basics Introduction
    A brief introduction to course goals and resources.
  • Financial Health
    The concept of financial health, including smart decision-making.
  • Introduction to Budgeting
    Why and how to budget.
  • Tracking Your Spending
    A simple way to get the most from your monthly budget.
  • Choosing a Bank or Credit Union
    Types of financial services accounts.
  • Checking and Savings Accounts
    Checking and savings accounts strategies for minimizing fees.
  • Credit vs. Debit Cards
    Credit and debit cards each have pros and cons. When should you use each?
  • Credit Reports and Scores
    Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
  • Managing Accounts
    Account management strategies for checking and savings.
  • Students and Credit Cards
    Special challenges for students with credit cards.
  • Building Credit
    Understanding the decisions and behaviors that can lead to improved credit scores.
  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Signs of Financial Trouble
    Spotting the warning signs of excessive debt.
  • Real World Calculator
    Calculates after-college income scenarios.
  • Personalized Feedback
    Personalized feedback based on pre-course survey answers.
  • Financial Goals
    All short and long-term financial goals.
  • Post Course Survey
    Post-course survey to gather feedback on your learning experience.
Coach Writing Play on Chalkboard

Financial Planning

21 minutes

Get Started

What you need to know to start making a long-term financial plan, from getting married to planning for retirement.

  • Financial Planning
    Learning the "how" and "why" of short, medium, and long-term financial planning.
  • Estate Planning
    Wills, trusts, and other end of life issues.
  • Creating a Will
    A will is the cornerstone of the legal framework of an estate plan, and everyone should have one.
  • Powers of Attorney
    Everyone faces the possibility of temporary or permanent incapacitation. Make sure your wishes are followed.
  • Medical Care Planning
    How to make sure your wishes are followed in a medical crisis.
  • Talking About Money
    A look at some of the financial considerations of getting married.
  • Planning for the Unexpected
    Planning for unexpected events, including accidents, death, and even the possibility of divorce, are all part of a responsible marriage.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
Smiling African American baby without a shirt looking forward.

Having a Baby

26 minutes

Get Started

A look at the financial challenges of raising a child.

  • Introduction
    Having a baby is not just a family decision, it's a financial decision too.
  • Babies and Budgets
    How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best on any long-term debt, and creating an emergency fund.
  • Paying for the Baby Years
    The non-childcare costs you can expect when having a baby, from cribs to health insurance.
  • Childcare Choices
    An overview of different childcare choices and the financial implications of each.
  • Managing Risks
    Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.
  • Children and Taxes
    A review of the tax benefits that can help you manage the expenses incurred with children.
  • Growing Up - Childhood and Beyond
    A look at the additional costs of raising a child beyond the first few years including the indirect costs.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.

About Guilford College

Guilford College is found on a scenic, 349-acre wooded campus in the lively college city of Greensboro, North Carolina. Guilford offers you a transformational and practical liberal arts education anchored by the College's seven Core Values. Small class sizes and caring faculty provide you with in-depth, hands-on learning. You'll also learn critical problem-solving skills to thrive and make a difference as you serve the world's greater good.

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