GUEST BLOGGERS: WILLIAM D. DANKO, Ph.D. AND RICHARD J. VAN NESS, Ph.D.

​​Shop ‘til You Drop?
So many articles have been written about becoming an efficient shopper. It’s exhausting just reading about the techniques that people devise in order to have the ‘best’ shopping season ever. Year-round, buying to assure the best deals, studying the desires of gift recipients, most appropriate wrapping for each person, and on and on. Some even specialize in gift shopping for pets. Seems that all of the major newspapers report on the masters of the creative passion of gift-giving for Christmas and other occasions. Time is a precious commodity, so why do some people participate so vigorously in such activities? Just pause, relax, and breathe. There is no fatal consequence of not attending the circus chaos.

According to debt.org, in 2018 Americans had a combined total of $13.51 trillion of debt. This number is $837 billion above the previous high! So, if you are one of the many contributing to that $13.51 trillion of debt, here's a resource you've got to know more about: PowerPay. 
PowerPay shows you the most efficient and money-saving way possible to get out of debt. First of all, to use PowerPay you’ll need to create an account. Head to powerpay.org and click “New? Sign Up Now” to get started. It shouldn’t take you more than a few minutes to get your account set up. You can also use the free app on your Apple smart phone. Once it’s up and running here’s what you’ll need to gather:

Hey, hey Utah Money Moms! Liz here! I wanted to tell you about one of the books listed on the Utah Money Moms Resource Page, The Automatic Millionaire. I first read this book as a freshman at Utah State and was surprised at how much I liked it! I recently reread the book and wanted to share with you 3 reasons why it’s a good option for anyone looking for a financial boost.

GUEST BLOGGER: KATHY RIGGS

Like physical fitness, financial fitness is a lifestyle choice. Consistent actions that build positive money management habits lead to financial wellness. Below are eight financial management categories. Listed in each category are action items to increase and improve financial fitness in that area. Choose at least one of the suggestions below to take a step toward improving your personal financial fitness.
Example: If I want to improve my credit score, I may choose to work on one of the credit tasks like accessing my free credit report.
CALL TO ACTION: Write down your choice and set a deadline to complete your task within two-weeks. Share your success with someone close to you, work as a team with your spouse if applicable.