AMANDA H. CHRISTENSEN, AFC, USU EXTENSION ASSOCIATE PROFESSOR, UMM EDITOR
Clearly, it’s important that all adults have a rudimentary understanding of money management. You don’t have to dig too deep to see the critical issues that make this all the more important for women. Research shows specific issues that make it CRITICAL for women to understand the basics of personal finance are threefold: they live longer, are more likely to stop working mid-career, and they earn less. Let’s break down the “So What?”
GUEST CONTRIBUTOR: KRISTILYN WILKINSON, USU ADJUNCT INSTRUCTOR
Happy National Selfie Day! Yes, this is a real thing, and yes, we want to celebrate it! A quick google search will let you know that on this day you should take a selfie and post it on social media to celebrate you. Doesn’t celebrating you give you the perfect excuse to treat yourself? Yes, yes it does! But treat yourself to what? “Treat yourself” is a common phrase we hear in society today, and it is usually associated with the idea that you spend some time treating yourself to life’s little luxuries. You know the ones I’m talking about, a pedicure, a night out with the girls (before Covid-19), etc. Of course, the next question that naturally follows is where do I get the money to treat myself on these little luxuries?
GUEST BLOGGER: EMMA PARKHURST, CHES, USU EXTENSION ASSISTANT PROFESSOR
I consider myself to be a frugal consumer, although this hasn’t always been the case. When I was younger, I thought I was frugal...but the honest truth? I was obsessed with making cheap purchases. I would try to make the least expensive purchase no matter what the item was, which typically meant purchasing lower quality items. As a result, I would have to replace these cheaper products more often, which meant spending more money in the long-run. Yikes! I finally had enough of the cycle when I realized I would spend less over time by purchasing a more expensive and higher quality item that would last longer. Who else can relate? If this experience sounds familiar to you, here are some tips to get out of this cheap-purchase cycle that helped me make smarter purchases:
GUEST BLOGGER: CALLIE WARD, USU EXTENSION ASSISTANT PROFESSOR
Every time we get to May, the only thing on my mind is, "SCHOOL’S OUT", or soon to be! But, in our current state, things have changed drastically…maybe this needs to be emphasized… things have changed DRASTICALLY! However, the need to give teachers our true gratitude has not.
And for those of you who have read some of my past posts, you might have picked up on me not being into materialist items or “stuff” in general. My love language is not gifts! So, I also am horrible about giving gifts and the end of school appreciation gift usually gets pushed to the last minute. Often, as parents or specifically mothers, we have that guilt of “Karen just delivered a dozen roses and a spa weekend to her son’s kindergarten teacher, now what do I give them”, problem. Kudos to Karen for buying the dream gift, but realistically these gifts add up fast and can easily be a budget breaker.
Here is what I am recommending:
AMANDA CHRISTENSEN, AFC, USU EXTENSION ASSOCIATE PROFESSOR
STACY ABBOTT, M.S., USU EXTENSION PROGRAM COORDINATOR
A short-term loss of income can be devastating. There are steps you can take to look ahead and plan how to weather the storm. Read through the four steps below then download the FREE printable: What To Do When Your Income Drops: Four Steps to Create a Short-Term Plan and fill in your answers. This process will help you inventory, brainstorm, and create a short-term plan to get back on your feet. Keep reading for Step 1...
Blog editor and Accredited Financial Counselor sharing real-life money smarts that can help you stay on track with financial goals while still enjoying life!
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