Marcia Hultman

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Workforce Training for Young Adults

Learn Money Management

To gain and keep your independence, you need to know how to manage money.

Taking care of finances is one of the biggest responsibilities of being an adult. It can also be one of the biggest challenges. Whether you’re just getting started managing your money, or need to dig your way out of debt, you can find resources to help.

Get started at, where you’ll find information and tips to help you:

  • Make a budget
  • Open a bank account
  • Rent an apartment or house
  • Use a debit card
  • Save money when you shop
  • Understand credit
  • Learn about payday loans and cash advances
  • Manage debt

Establish a Budget

Download and complete this personal budget worksheet to help make and track your own budget.

Resources in South Dakota

Consumer Credit Counseling of the Black Hills assists individuals in Western South Dakota to overcome their financial obstacles, achieve their financial goals, and improve the quality of their lives.

Lutheran Social Services’ Center for Financial Resources has the tools, tips and expertise to assist you in getting your finances back on track, improving your money management skills, or sorting out your unique financial priorities.

Take the Next Step

Let a DLR Workforce Training Employment Specialist assist in analyzing your situation and finding the best resources to assist you with your financial needs. To learn more about the Workforce Training program, contact your local job service office to schedule a meeting with an employment specialist.