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Personal finance is where financial literacy translates into individual financial decision-making. How do you manage you...
01/10/2022

Personal finance is where financial literacy translates into individual financial decision-making. How do you manage your money? Which savings and investment vehicles are you using? Personal finance is about making and meeting your financial goals—whether owning a home, helping other members of your family, saving for your children’s college education, supporting causes that you care about, planning for retirement, or anything else. Among other topics, it encompasses banking, budgeting, handling debt and credit, and investing. Let’s take a look at these basics to get you started

01/10/2022

Credit unions provide savings and checking accounts, issue loans, and offer other financial products, just like banks do. However, they are not-for-profit organizations owned by their members. Credit unions tend to have lower fees and better interest rates on savings accounts and loans. Credit unions are sometimes known for providing more personalized customer service, though they usually have far fewer branches and ATMs.

.Achieving financial literacy can help individuals avoid making poor financial decisions and help them become self-suffi...
30/09/2022

.Achieving financial literacy can help individuals avoid making poor financial decisions and help them become self-sufficient and achieve financial stability. Key steps to attaining financial literacy include learning how to create a budget, track spending, pay off debt, and plan for retirement. Educating yourself on these topics also involves learning how money works, setting and achieving financial goals, becoming aware of unethical/discriminatory financial practices, and managing financial challenges that life throws your way.

We know that the earlier you learn the basics of how money works, the more confident and successful you’ll be with your ...
29/09/2022

We know that the earlier you learn the basics of how money works, the more confident and successful you’ll be with your finances later in life. It’s never too late to start learning, but it pays to have a head start. The first steps into the world of money start with education.

Now that you have a clear picture of money coming in, money going out, and money saved, you can identify which expenses ...
28/09/2022

Now that you have a clear picture of money coming in, money going out, and money saved, you can identify which expenses you can cut back on if necessary. Subtract your expenses from your total income to get the amount of money you have left at the end of the month. If you don’t already have one, put your extra money into an emergency fund until you’ve saved three to six months’ worth of expenses in case of a job loss or other emergency. Don’t use this money for discretionary spending. The key is to keep it safe and grow it for times when your income decreases or stops.

When you think of a bank, you probably picture a building. This is called a brick-and-mortar bank. Many brick-and-mortar...
27/09/2022

When you think of a bank, you probably picture a building. This is called a brick-and-mortar bank. Many brick-and-mortar banks also allow you to open accounts and manage your money online.

Some banks are only online and have no physical buildings. These banks typically offer the same services as brick-and-mortar banks, aside from the ability to visit them in person.

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