Utah State University Extension is teaming up with other land-grant universities to help you manage money through tough times. As part of eXtension (www.extension.org), USU Extension is able to harness the knowledge of financial experts across the country. The Web site, Financial Security: Managing Money in Tough Times, serves as a portal to articles on all facets of personal finance as well as providing a form to ask experts specific questions.  Utah State University Extension and its affiliates also offer timely financial tools such as PowerPay debt reduction calculation software, home buyer education, bankruptcy prevention education, Utah Saves wealth-building education, agribusiness decision making tools and many other financial resources available at any of Utah’s 28 county Extension offices or at www. Extension.usu.edu