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Financial Fitness

Managing Your Money 101: An Introduction to the Basics of Financial Fitness

Whether you're a high school student, a college student, a parent or an adult, learning to manage money makes it easier to live a lifestyle you can afford while avoiding debt and building wealth. It's important to develop healthy money habits early. Whether it's saving for college, making a big purchase, paying off student loans or saving for retirement, you'll be faced with many financial decisions throughout your life, and several important money choices start in college. Let our friends at Oklahoma Money Matters help you make your money matter.




Managing Debt

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OKMM Budgeting Tools

Setting Up a Budget

OKMM Free Interactive Budget Calculator

OKMM Budgeting Envelopes

Budgeting Learning Module

OKMM Money Minute: Budgeting

OKMM Credit Tools

ID Theft Prevention

Money Talks Podcast: Credit

OKMM Money Minute: Credit


OKMM Debt Tools

Debt Snowball

Ask OKMM: Debt Management

Auto Loans 101 Learning Module

GreenPath Financial Wellness

How Long Before My Credit Card is Paid Off?


Paying for College

Additional Resources

Piggy Bank
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OKMM Saving Tools

Saving & Banking Learning Module

Setting Goals

Savings Growth Chart

Retirement Planning

Money Talks Podcast: Savings Savvy

Federal Reserve Bank: Building Wealth

OKMM Student Loan Tools

Student Loan Management

Borrow Smart From the Start


OKMM College Planning Tools

Preparing for College

Ready Set Repay: Best Way to Pay

Oklahoma Money Matters Resources

Money Talks Podcasts

OKMM Videos

Learning Modules



Resource Clearinghouse

test okmm logo Oklahoma Money Matters (OKMM) is a personal finance education program that helps K-12 schools, higher education campuses, businesses and community partners develop or expand educational services that empower Oklahomans to make positive financial choices. Learn more and access resources at

Powerful Things to Know and Do

  1. Sort Out Your Values
  2. Establish Realistic Goals
  3. Determine Your Monthly Net Income
  4. List Your Monthly Expenses
  5. List All of Your Debts
  6. Write Down Your Daily Expenditures for One Month
  7. Look at Your Credit Report
  8. Set Up a Spending Plan
  9. Begin Saving Now


  • Email Support

  • 1-800-GO-TO-XAP (1-800-468-6927)
    From outside the U.S., please call +1 (424) 750-3900


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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.