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Virginia Cooperative Extension
Financial Education

Reminder:  If Prince William County Schools close early or are closed due to inclement weather, or Prince William County Government Buildings are closed for any reason, our workshops and classes will be cancelled.  Please check our website or call us to reschedule at 703-792-6287.

holiday money.png Getting Into the Holiday Shopping Spirit? Here are 10  Tips to Reduce Holiday Spending!

1. Balance Your Checkbook – The reality of what you actually have in the bank should help put a better perspective on impulse shopping and overspending.

2. Review your Retirement Savings – If you are not on track to retire with a comfortable amount set-aside, you may re-consider the need to purchase or impress over the holidays!

3. Read the Fine Print – Many 'Holiday Sales' come with caveats. Buy one at full price, get second one 25% off, which equals just 12.5% savings; some items may be tagged a lower price but only if you purchase three.  My favorite:  Promotional Sales are Final. You buy it, there is no returning it.  The true deal is in the details!

4. Shop the Competition – Get your money's worth out of that smart phone. While in the store, compare prices online. Most brick and mortar stores are matching online prices, plus it may save shipping charges or dealing with shipping errors.

5. Remember Christmas Past – Shop small business finds, seek out handmade items, invite friends over or create a nice card, poem or note! Handmade things make a memory, other 'things' given Christmas' Past are collecting dust.

6. It's Not a Competition - Don't play the one-up game. Small is appreciated.  Challenge yourself to find the least expensive gift they will love!

7. Share a Bit of You! - Making gifts is very much back in style in 2016! Check out pottery making studios, painting studies or even online do it yourself webinars. Without any experience you may create an amazing one of a kind gift.

8. Get out There – Giving an Experience is top of the list for 2016! From cooking classes to rock wall climbing. Online coupons will help you give an experience, at a discount.

9. Plan Gift Giving Get-togethers for After Christmas – put off shopping until December 26 when the real savings begin.

10. Make a Gift List and a Budget; Not knowing your spending max per item, is where most people fail.  Stick to the budget for a Happier Holiday!

Are you...

  • Getting ready to purchase a home?
  • Seeking resources to help save for vacations, college or retirement?
  • Want to learn the latest tools for managing spending?
  • Ready to reduce your debt, increase savings and improve your credit?

If you answered yes, we can help!  

Classes now enrolling, view calendar and register here​​​!

Classes Include:

"The Federal Reserve household economic survey, asked the question, if you had a $400 emergency, could you meet that emergency? And 47 percent of the respondents said that they couldn't meet that emergency without either having to borrow money or to sell something." (PBS Newshour, June 1, 2016)

Learn how you can save money for an emergency.  Register for our Pay Yourself First savings class.


Virginia Cooperative Extension's Financial Education and Housing Counseling Program has partnered with America Saves!

What are you saving for?  Visit  Prince William Saves and take the pledge to save! 



Your retirement may seem far off, but the fact is there's no better time than now to lay the foundation for a bright future. Social Security is just one piece of the puzzle. Saving is another. And, if you become disabled and unable to work, you may be eligible for disability benefits.  Open your free my Social Security account today and access your personal, online account information.

  • It takes just minutes 
  • Verify your earnings history (benefits are based on your earnings)
  • See your benefit estimates and more
  • Learn advanced security features to protect your privacy

 For more information, please click here.


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 Email questions to​ or call 703-792-6287.
Follow us on Twitter for class updates and financial resource information @FinEdVCE 


Classes are held monthly at both of these locations:

Sudley North Government Center

7987 Ashton Avenue

Manassas, VA 20109

Dr. A.J. Ferlazzo Building

15941 Donald Curtis Drive

Woodbridge, VA 22192



Virginia Cooperative Extension
Financial Education & Housing Counseling Program
8033 Ashton Ave. Suite 105
Manassas, VA 20109

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 For directions to County buildings, click here or call 703-792-5800.


VCE Prince William staff does not report to any credit bureau, or sell or endorse any product or service. VCE Prince William staff respects every client's right to privacy and confidentiality.  Virginia Cooperative Extension complies with the Americans with Disabilities Act. If you are a person with a disability and require auxiliary aids services or other accommodations for a workshop or meeting please discuss your accommodation needs at least five days prior to the event with Virginia Cooperative Extension 703-792-6287/TDD PC 1-800-828-1120.



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