Pick up know-how for tackling diseases, pests and weeds.
Farm bill, farm marketing, agribusiness webinars, & farm policy.
Find tactics for healthy livestock and sound forages.
Scheduling and methods of irrigation.
Explore our Extension locations around the state.
Commercial row crop production in Arkansas.
Agriculture weed management resources.
Use virtual and real tools to improve critical calculations for farms and ranches.
Learn to ID forages and more.
Explore our research locations around the state.
Get the latest research results from our county agents.
Our programs include aquaculture, diagnostics, and energy conservation.
Keep our food, fiber and fuel supplies safe from disaster.
Private, Commercial & Non-commercial training and education.
Specialty crops including turfgrass, vegetables, fruits, and ornamentals.
Find educational resources and get youth engaged in agriculture.
Gaining garden smarts and sharing skills.
Creating beauty in and around the home.
Maintenance calendar, and best practices.
Coaxing the best produce from asparagus to zucchini.
What’s wrong with my plants? The clinic can help.
Featured trees, vines, shrubs and flowers.
Ask our experts plant, animal, or insect questions.
Enjoying the sweet fruits of your labor.
Herbs, native plants, & reference desk QA.
Growing together from youth to maturity.
Crapemyrtles, hydrangeas, hort glossary, and weed ID databases.
Get beekeeping, honey production, and class information.
Grow a pollinator-friendly garden.
Schedule these timely events on your gardening calendar.
Equipping individuals to lead organizations, communities, and regions.
Guiding communities and regions toward vibrant and sustainable futures.
Guiding entrepreneurs from concept to profit.
Position your business to compete for government contracts.
Find trends, opportunities and impacts.
Providing unbiased information to enable educated votes on critical issues.
Increase your knowledge of public issues & get involved.
Research-based connection to government and policy issues.
Support Arkansas local food initiatives.
Read about our efforts.
Preparing for and recovering from disasters.
Licensing for forestry and wildlife professionals.
Preserving water quality and quantity.
Cleaner air for healthier living.
Firewood & bioenergy resources.
Managing a complex forest ecosystem.
Read about nature across Arkansas and the U.S.
Learn to manage wildlife on your land.
Soil quality and its use here in Arkansas.
Learn to ID unwanted plant and animal visitors.
Timely updates from our specialists.
Eating right and staying healthy.
Ensuring safe meals.
Take charge of your well-being.
Cooking with Arkansas foods.
Making the most of your money.
Making sound choices for families and ourselves.
Nurturing our future.
Get tips for food, fitness, finance, and more!
Understanding aging and its effects.
Giving back to the community.
Managing safely when disaster strikes.
Listen to our latest episode!
By Lisa Lakey
For the U of A System Division of Agriculture
LITTLE ROCK – There are five bad money habits that could prove costly to consumers,
costing, said Laura Hendrix, an extension personal finance expert for the University
of Arkansas System Division of Agriculture.
1. Put it off for tomorrow. It can be tempting to push bills, bank statements, retirement planning, and other
finances to the back burner, but Hendrix, an assistant professor, said “out of sight,
out of mind” is bad advice for financial management. “The best way to build financial
stability is to take control of your finances,” she said. “Know your income and expenses.
Create a plan for spending and saving. Set goals for the future. Make a list of action
steps to reach your goals.”2. Comfort shopping and impulse buying. According to Hendrix, emotional spending can lead even the best laid plans astray.
“Shopping for pleasure and entertainment can be fun but often results in unwanted
debt,” she said. “Advertisers attempt to beguile consumers into making unplanned purchases.
Stick with your shopping list. Stay focused on your goals.”3. Start saving later. Too often an emergency arises and consumers find themselves without the adequate
savings to cover expenses. Hendrix said delaying saving can be a costly expense and
should be a priority now, not later. “Time is critical for growing savings and investments,”
she said. “Small deposits can add up to big savings through the magic of compound
interest. Save for emergencies, for retirements and for goals such as home ownership
or education. The sooner you start, the more your money will grow.”4. Waiting for a windfall. While it’s tempting to plan on using an anticipated check, like a tax refund, to catch
up on bills or pay off loans, Hendrix suggests not making plans for money that isn’t
yet in the bank. “This type of financial planning puts consumers deeper in debt,”
she said. “While waiting for the windfall, additional critical expenses may arise.
Don’t spend money you don’t have.”5. Keeping up with the Joneses. In a culture that says bigger is better, it’s hard not to get caught up in the competition.
“Think about your needs and values, Hendrix said. “Make decisions that build long-term
financial security. Don’t play the game of conspicuous consumption.”
For more information about Money Smart week and for financial management tips visit
the University of Arkansas Cooperative Extension Service website at www.uaex.uada.edu.
The University of Arkansas System Division of Agriculture offers all its Extension
and Research programs to all eligible persons regardless of race, color, sex, gender
identity, sexual orientation, national origin, religion, age, disability, marital
or veteran status, genetic information, or any other legally protected status, and
is an Affirmative Action/Equal Opportunity Employer.
Media Contact: Mary HightowerDir. of Communication ServicesU of A Division of AgricultureCooperative Extension Service(501) firstname.lastname@example.org