Using Credit Wisely

Has anyone here given any lectures or done any conferences geared towards consumers about the wise use of credit? I am preparing an outline for a NARCA conference and am struggling to come up with original ideas that haven't been used 1000 times on generic websites for consumers. Does anyone have any material they would be willing to share, knowing that it would be used in a conference presentation?

There is a wealth of consumer information on the Federal Reserve website. You might start there and check the various categories.
Good luck