Shop Smarter
Your shopping and spending habits influence your ability to become financially fit. Learn how to maintain your lifestyle without going broke. Shopping skills are like any other habit - they are a learned behavior that can be changed. And, you can learn how to get more for your money.
Do you NEED it or WANT it?
What's the difference between a need and want? Learn to control your spending on life's wants so you'll have more money available to use and save for your current and future needs.
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Simple Ways to Cut Costs
Cut costs in every area of your life by shopping wisely and taking advantage of discounts. Making smarter spending decisions is another way to "find" money without actually making more. Learn simple ways to save money!
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Prepare for Big Purchases
Life is full of major expenses, while some are unexpected, others such as a condo, new car, or wedding can be prepared for with a little advance planning.
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Avoid the Minimum Payment Trap
Credit makes it tremendously easy to go into debt. Not paying your bills or only paying the minimum amount due can leave you in debt for a long time. Learn how to avoid this problem.
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Take the Quiz-
40% of students are likely to buy a pair of jeans (or something similar) they really want even if they do not have the money to pay for it.
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Total consumer debt topped $2 trillion for the first time in 2003.
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Research has shown that as little as 10 hours of personal financial education positively affects students spending and savings habits.
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40% of Americans say they live beyond their means.
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50.8% of college-age adults agree with this statement: "I have experienced repeated, unsuccessful attempts to control, cut back or stop excessive money use."
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Teens surveyed by Teenage Research Unlimited reported spending 98% of their money, rather than saving it.
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One out of three households reported using credit cards to cover basic living expenses, on average, for four of the past 12 months.
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20% of graduating college students have $10,000 or more in non-school related credit card debt.
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The average household with debt carries approximately $10,000 to $12,000 in total revolving debt and has 9 credit cards.
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The US has recently seen an over 50% increase in bankruptcies among people under age 25 (fastest growing age range for bankruptcies)
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Half of all Americans are living paycheck to paycheck.