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AMOCO has partnered with MoneyEdu to provide free, online financial education through interactive and self-paced courses, activities and worksheets giving members and the community access to financial education. In addition, if you create an account, you can save your progress and never lose your work.

  • New themes every week
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  • Calculators and assessments
  • Interactive courses on over dozens of topics
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"This Week's" Topics Provided By MoneyEdu

When Your Income Varies

Whether you work in the new "gig" economy or have a job with "on call" hours, learn how to make the most of your variable income.
A delivery driver makes a delivery.

Navigating the Ups and Downs of Variable Income

In today's rapidly evolving economy, the traditional 9-to-5 job with a stable salary is becoming increasingly rare. A significant portion of the workforce now faces the challenges of income volatility, whether by choice or necessity. According to a recent study by the U.S. Federal Reserve, nearly one-third of Americans experience substantial fl...
A waiter in a restaurant.
A waitress takes an order from a couple.

Jobs That Come With Variable Income

A couple of generations ago, stable, full-time employment was the norm. And it was a pretty cozy arrangement: You found a good job at a solid company, worked there 40 years, then collected a gold watch and a full pension on your way out the door.Today, the landscape is almost unrecognizably different. Part-time jobs have exploded in number. Job-hop...
A piggy bank on top of gold coins.

How to Smooth Income Variation With Savings

If you're a part-time worker, a freelancer, or anyone who isn't a full-time salaried employee with benefits, the odds are good you're familiar with income volatility. Not knowing how much money you'll earn from week to week or month to month can have enormous repercussions on your daily life. It impacts your ability to save money, p...
A freelancer in his home office.

The Financial Life of a Freelancer

Whether you're a computer programmer, a driver for Uber, or you make your living as a writer, the freelance lifestyle offers a few intriguing advantages: You have plenty of flexibility with your schedule, the commute is as short as it gets, and you're guaranteed to get along with your boss.Yet one aspect of freelancing makes it a non-starte...
A confident business owner outside of her coffee shop.

The Financial Life of an Hourly Retail Worker

Budgeting for basics such as food, shelter, and clothing can be challenging when you can't predict how much money you'll earn from week to week.And saving? That can sometimes seem like an impossible dream.This is the reality for many retail workers who are paid by the hour. Because their schedules often fluctuate based on business demand, t...
A man reviewing his budget at home.

Protecting Your Health and Retirement

One of the most significant drawbacks to contract or freelance work, and some part-time work, is a lack of employer-provided health insurance and retirement plan options. Many full-time salaried workers enjoy the security offered by such benefits. Yet, freelance workers risk facing hefty medical bills or an underfunded retirement if they don't ...

Financial Tools

Auto Loan
Calculator

Want to know how much your new auto loan will cost you? Curious if your budget can afford the new car you’ve been eyeing? Use our Auto Loan Calculator today!

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Financial Wellness Center

Access additional personal finance articles and tools through our partner program, MoneyEdu. When you register for a FREE profile, you’ll also receive free financial wellness courses and calculators.

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Budget
Calculator

Making a budget and sticking to it is the number one step to having financial freedom. Use this calculator to help you create a monthly budget by entering your monthly take-home pay.

Calculate Your Budget