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7 Tips to Model Healthy Money Management

As adults, how we handle finances sends a powerful message to children. That’s why it’s important to model the healthy money management behaviors that we want the kids in our lives to adopt.  Noted below are seven ideas to help shape children’s attitudes and behaviors around finances. These everyday lessons provide opportunities to intentionally model good money management.  1. Share the story of money in everyday life:   Even for younger children, aged 4 or so, everyday activities like shopping or family outings provide a chance to talk about using money. Demonstrate using different forms of money – coins, dollar bills, and credit or debit cards. Have them consider the things that cost money – toys, groceries, trips to the fast-food restaurant, or admission to the zoo or a water park. Be sure to point out things that have value may still be free. For instance, helping a neighbor, visiting a playground, or spending time playing with a friend is fun and doesn’t require money. 2. Point o
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Tips To Help You Reduce Debt And Pay It Off For Good

America Saves Week is February 21-25, 2022 and America Saves has written articles to help you reach your financial goals. Below are tips to help you reduce your debt so you can pay it off for good.  Debt is a great contributor to stress. If you're having a tough time financially, it can feel isolating, but the truth is 80% of Americans have consumer debt! The only way to relieve financial stress is to make a plan and work your way through it. But to make that plan, you'll need to understand the type of debt you have, your best-case scenario to pay down your debt, and how to leverage your knowledge so that you can maintain or increase your credit score. GET A CLEAR VIEW OF YOUR FINANCES When you know your exact income and expenses, you can better steward the discretionary income left over after your bills are paid. It will become easier for you to decide how much to spend, if you can put more toward debt, what goes into savings, and whether to begin making investments. Your spe

Save for Retirement Today

Retirement is one of those things in life that fall into the “someday” category. When you're a person in their 20s, 30s, and even 40s, retirement seems so far away. When those every day expenses come up, you hold back on saving for  retirement because it's not a bill you get every month, so you forget about it. But, we all know — life comes at you fast. Saving enough for retirement continues to be a leading source of significant financial stress for all generations.  While studies show that 71% of Americans are adequately prepared for retirement, much of that includes receiving Social Security benefits under the current law. However, Social Security payouts are only scheduled to be paid at the full benefit amount through 2035! Thus making Millennials and Gen Z approach retirement from a different perspective — one that is diverse and doesn’t rely on Social Security benefits. The good news is that starting early allows you to reach your retirement goals more easily.  1. GET IN

Get Your End-of-Year Financial Health Checkup

As the eagerly awaited holiday season gets underway, the end of the year is a great  time to get a financial health checkup to make sure your finances are on track.    With regular checkups, you can fix small problems before they become big issues.   This year-end, keeping financially healthy is especially important due to many economic uncertainties  related to inflation, inventory shortages, as well as the expiration of COVID relief programs put in place more than a year ago to help people manage through the pandemic. Your Financial Health Check Up   Like a physical health checkup, a financial checkup examines your vital signs to be sure all is well when it comes to your financial health and wellness.  Do you have an emergency savings account? How do your credit card balances look? Are you tracking monthly income and expenses? What does your credit score and history look like? These are a few of the vitals reviewed during an end-of-year financial

5 Money Myths You Need to Stop Believing

There are many money myths that have been circulating society for ages. Whether they be regarding assets, saving, or overall money management, money myths need to be debunked! Because financial education is not deemed as important as math and science in school, these myths are rarely corrected, and people continue to believe them. Luckily, we have researched some of the most common money myths to help you get a better sense of your financial management. Myth 1: You Should Avoid Debt at all Costs. Starting off strong with one of the most famous misconception about money. This means that sometimes to get ahead in life, you need to borrow money. It's nearly impossible to reach financial wealth without going into debt. For example, if you were wanting to start your own business, you may not be able to open it with just the money in your bank account. It's not smart, and you may struggle financially in the long run. You need to take out a loan and go into debt. HOWEVER, when your b

Ways to Save Energy at Home

January 10, 2022 is National Cut Your Energy Costs Day. This day is in place to encourage homeowners to lower their energy bills and help the environment by making behavioral changes or updating their home! Homeowners can do this by using less electricity, gas, or any form of energy that they pay for. Read below to find out how you can update your home to lower your utility bills and save money in the long run! 1. Adjust Your Day to Day Behavior This is one of the easiest ways to lower your utility bill. You can do simple things like turning off the lights when you leave a room, unplug appliances you're not using, and wash the dishes by hand - if you can. You can also turn down the heat in the winter or AC in the summer. Simple routines like these can help you save money on your utility bills. 2. Replace the Light Bulbs You may be wondering how this can help you save money, but changing your light bulbs do have a positive outcome to your utility bill! Compact fluorescent lights (CF

Take Advantage of the New Year Sales

Who doesn't like saving money? When stores announce they're having a sale, everyone rushes to their store to get their hands on a discounted item. Retailers and major companies need to get rid of "last season's" items to make room for the new. Instead of throwing away their unsold clothes or electronics, they choose to have a sale to make some profit. Smart, isn't it?  We love a good sale, so we thought we'd share with you the items you must buy after the holidays are over! The days after Christmas are a great time to hit the stores because this is when most retailers are trying to make room for their new shipments. These sales usually last until the end of the year or into January. To take advantage of these sales, make a list of the items you need / want to buy. But remember, new versions of these items will come out in the new year, so you need to be okay with not having the "latest" version.   1. Winter Clothing Winter clothes are expensive w