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  • Teaching Kids about Money

    When my kids were young we didn’t really have a lot of money so any time they received any money from anyone they were encouraged to put it in a piggy bank to save. Sometimes they did and sometimes they couldn’t wait to spend it. I tried to help them save, but it didn’t always turn out the way I hoped – and it wasn’t always through any fault of their own or anything they did or didn’t do.  That’s a whole other story though.

    A lot of kids are never taught the importance of money at home or at school. I’ve always said that personal finance should be a course that is taught in school starting in the lower grades, but so far, no one has ever listened to me. So, it’s up to the parents to teach kids what they need to know and the earlier you start, the better off your child will be as they grow up.

    How you teach kids about money will depend on how old they are and what they’ll be able to comprehend and understand. Below are some different ways that can help teach your children about money based on their age.

    Read the rest of this entry »

  • Do You Have an Emergency Fund?

    I read an article a while back on CNN Money which stated that about 64% or Americans couldn’t come up with $1,000 if it was an emergency. I was so blown away by this that I had to see what you all thought about it.

    I know there was a time in my life when I couldn’t have come up with $50 for an emergency, but I had some extenuating circumstances that came into play with that. I am at a place now that I could cover that and more, but I worked hard, sometimes 3 jobs at the same time to be able to not worry about emergencies being covered. I also know that something devastating could happen tomorrow with my finances and it could take it all away.

    So, the big question now is…are you one of the 64% who couldn’t pay for an emergency if it happened? If you are, you’ll definitely want to read this article as well as make some changes in your life so you don’t have to worry about emergencies creeping up on you – because that IS what they do! Read the rest of this entry »

  • 6 Money Saving Tips

    Everyday I try to practice a lot of what’s on the list below to save my family and myself money and it isn’t always easy – particularly when it comes to eating out.  Some days I just want to swing through a drive-thru and pick something up because it’s quick, easy and I don’t have to do any clean up afterward.

    However, all of these tips will not work for every person so simply pick what applies to you and put it to work!

    Read the rest of this entry »

  • Improve Your Credit!

    Unless you’re paying for everything – including a home and car – you need to make sure that you have the best credit you can possibly have. Even if you’re of the mindset that you’ll never use credit, you’ll still need a card for things like airline or car reservations.

    For most Americans, it’s not a matter of whether or not they’ll be using credit. Most people do. Instead, it’s a matter of what kind of credit you can get. You need massive amounts of credit, the best rates, no annual fee, and so on.

    We live in a nation riddled with debt and mired in credit issues. There’s a vicious cycle where people take out credit because they can’t afford to pay for something in full, but they max out so many cards that eventually, they can’t even make the minimums on their credit accounts.

    Improve Credit

    Take a Look at Where You Stand Now

    You can fix something until you know what needs to be repaired. You may have been told that you were declined for credit, and that sparked your desire to clean up the mess and be in good standing.

    Or maybe you’re considering a big ticket purchase (like a new car or mortgage) and you want to make sure you’re where you need to be. Sticking your head in the sand and ignoring the problem just makes it worse.

    The first thing you want to do is order your credit reports and scores. This will give you a good idea of what it will take to get you to a place where you’re considered a “good risk” rather than a high risk. Read the rest of this entry »