Get on the Path Toward Financial Freedom

Build knowledge for a healthy financial future

Consumer Financial Literacy

Financial literacy is a set of skills that allows an individual to make informed and effective financial decisions. It is achieved through an understanding of five core financial competencies: earning, saving & investing, spending, borrowing, and protecting. CLM provides this directory of online resources to provide important information on managing and growing your money that can help develop financial literacy and positive money habits.

Practical Money Skills

A free online resource provided by Visa, Practical Money Skills offers interactive tools and educational resources to help build stronger financial futures. This award-winning program was developed in partnership with state and national governments, leading consumer advocates, educators, and financial institutions.

Checking your credit report can help you understand your credit position., a part of Experian, provides you with a free Experian credit report that can help you detect inaccuracies and potentially negative information. This resource also provides free videos and credit calculators, information on identity theft, and more.  Capital Management Services does not report to the credit bureaus. is a free national financial education website that was created by the Federal Financial Literacy and Education Commission to strengthen financial capability, increase access to financial services, and empower consumers to make independent financial decisions and build financial resilience.