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Do you have a financial decision to make? Or a goal you want to reach, but don’t know where to start? Try a Quick Money Chat with Virginia Cooperative Extension’s Northern Shenandoah Valley Financial Education Program. You can schedule a FREE confidential chat with a staff member or trained volunteer. We won't tell you what to do, but we will give you the tools you need to choose wisely. Because we are a part of Virginia Tech and Virginia State, your land grant universities, you can be sure that our information is credible and trustworthy. And you’ll know we aren't trying to sell you something! Request a virtual visit with a staff member or trained volunteer and get the information you need to take action!*

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This image shows a map of the Virginia's Northern Shenandoah Valley localities.

*Serving the counties of Clarke, Frederick, Page, Shenandoah, and Warren in Virginia's Northern Shenandoah Valley. Inquiries from outside the region may be referred to other resources.

You have questions, we have answers! What car payment can I afford? How can I reduce my debt? How can I improve my credit score? What is renter's insurance and how could it help me? How can I reduce my banking fees? What does it mean to pay yourself first? How can I save money on insurance? What is the difference between a bank and a credit union? How can I reduce my expenses? What are SMART goals and how can they help me? How do I set up a spending plan/budget? How much money do I need in emergency savings?

If you are a person with a disability and desire any assistive devices, services, or other accommodations to participate, contact Karen Poff by calling 540-635-4549 no later than five days in advance.

Virginia Cooperative Extension programs and employment are open to all, regardless of age, color, disability, gender, gender identity, gender expression, national origin, political affiliation, race, religion, sexual orientation, genetic information, veteran status, or any other basis protected by law. An equal opportunity/affirmative action employer. Issued in furtherance of Cooperative Extension work, Virginia Polytechnic Institute and State University, Virginia State University, and the U.S. Department of Agriculture cooperating. Edwin J. Jones, Director, Virginia Cooperative Extension, Virginia Tech, Blacksburg; M. Ray McKinnie, Administrator, 1890 Extension Program, Virginia State University, Petersburg.