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Financial Education

Building Your Financial Future: Advice For 20-Somethings

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photo © 2009 Andrew Magill | more info (via: Wylio)A lot of people always say that sometimes no credit is just as bad as poor credit. And I’d like to attest, this is correct. I, Amanda Miller, am in my 20s. Which means, you guessed it, I am the poorest I will ever be again (knock on wood). When I ... Read More »

Congress Holds Hearing on Financial Literacy

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The Honorable Dennis McKinney, Treasurer, State of Kansas U.S. House of Representatives Committee on Financial Services Subcommittee on Oversight and Investigations Representative Moore, Chairman August 24, 2010 Testimony by Kansas State Treasurer Dennis McKinney Good morning Chairman. As Kansas State Treasurer, I believe financial literacy is a national priority. As a result, my office provides a variety of financial literacy ... Read More »

How to Afford to Go Back to School as an Adult

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Adults are going back to school for lots of different reasons these days, including career changes, keeping up with developments in their field, learning new skills and personal enrichment. At many colleges students may be senior executives, retirees or working moms. Going back to school when you’re older, whether it’s to get an advanced degree, brush up with a few ... Read More »

Nine Essential Steps to Successfully Manage Your Money

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Only the rich need to worry about having people manage their money, right? Wrong! With a handful of credit cards, checking, savings and retirement accounts and lots of different bills to pay we all need money managers. The difference is if we aren’t wealthy, the money management responsibility usually falls on our own shoulders, rather than someone else’s. While most ... Read More »

Seven Ways to Stick It to Your Creditors

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Many of the people I talk to feel their creditors have taken advantage of them. Most of that belief is a misperception. The vast majority of creditors follow the rules and abide by the agreements they sent you when you applied for credit. However, people are still plenty upset with their creditors and want to know how they can get ... Read More »

The 20 Greatest Myths About Credit and Debt

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MYTH #1 My financial condition is so bad that my situation is hopeless. REALITY Although you may not be able to find the perfect solution, you probably have some choices about how to best resolve your situation. Open your mind and be realistic about your options. MYTH #2 If I don’t use credit, I’ll never have anything. REALITY If you ... Read More »

5 Easy Ways to Get Out of Debt!

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“We can’t seem to make our payments on time each month. We are always running late.” “I want something better for my family.” “We deserve to be happy but, with all of these debts, I can’t see any light at the end of the tunnel.” “I wish my creditors would just leave me alone. I’ll pay them when I’m able ... Read More »

Even Rich Kids Need to Learn How to Handle Money in a Bad Economy

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In uncertain economic times, money troubles and worries are not limited to middle class incomes and lower, even the high flying richy rich families and parents are worried about how to pass on good messages and education about making ends meet. But the rich and the not-so-rich do have something in common this summer: worrying about their children’s financial future. ... Read More »

Debit Cards Less Safe Than Credit Cards & Please Use Your Credit Card Online

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Over the years I have been droning on and on about the differences between a debit card and a credit card regarding safety and why people need to be more afraid of using their card in a restaurant than online. Where does the waiter go with your card when you hand it to them? Debit cards and credit cards are ... Read More »

I’ve Said It For Years, a Debit Card is Not as Safe to Use as a Credit Card

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The Consumerist site had a great story titled “Why Do Lenders Want You To Use Your Debit Card Like A Credit Card?” in which they brought up the issue again about the differences between a credit card and a debit card. Debit cards have invaded our lives and they are pushed like crack by our banks. The information the banks ... Read More »

Don’t Pay More Than the Minimums on Your Credit Cards

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I know this is going to sound like crazy talk but keep reading. Now is not the time to pay more than the minimum payment on your credit card if you don’t have a lot of money in savings. If you thought the foreclosure crisis was bad, just watch what is going to happen to credit cards. With twenty thousand ... Read More »

Is Financial Education for Students Alone An Effective Solution?

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As someone that deals with the aftermath of the financial mess my answer will surprise you. Yes there should be classes but it is NOT a vaccination against financial problems but it might be part of a longer term multifaceted solution. My observation is that teaching these issues in high school is a bit like requiring all students to take ... Read More »

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