Have you checked your credit report?

Every year you should get a copy of your credit report. Why? Because decisions about loans and credit cards are based on what is in your report. But also, you can pay more for insurance or be denied a job based on what is in your credit report. What are you waiting for??? Go here to get a free copy: www.annualcreditreport.com
You can get one, two, or all three at the same time. You can get one now, and then space out the other 2 or get more than one. It's your choice.

Happy New Year!

Hope that everyone is a having a great start to 2011. Have you made any New Year's resolutions? I'm always careful about not trying to do too much, even though the start of a new year is a great time to reflect on things that we would like to change. Research shows that small steps are the best thing to making changes.

What are the goals that you are considering? Figure it (or them) out and then make a plan for small changes. Small steps can make a big difference. Need help? Small Steps to Health and Wealth is an Extension program to help you make those changes. The online challenge for 2011 starts on January 16th. Will you join us? Sign up under challenges at the SSHW website: http://njaes.rutgers.edu/sshw/.