KristiLyn Wilkinson, M.S.
USU Extension Empowering Financial Wellness Program Manager
You are probably aware that a history of how you manage your credit and debt obligations is being kept. You might not be aware that there are three agencies, Equifax, Experian, and Transunion, that are keeping track of all of this information.
Did you know that you can look at your credit report for free and it won’t negatively impact your credit? This is probably the most common credit myth out there- that looking at your credit report or score negatively impacts your score! It doesn’t! In fact, checking your credit regularly should definitely be on your list of “things I do when I’m adulting.”
Jerevie Canlas, Ph.D., CFLE
USU Extension Empowering Financial Wellness Program Coordinator
Your credit report has a lot of information regarding your borrowing and payment habits, so it makes sense that applying for a line of credit would be one of the most common reasons why businesses check your credit history and ask for your credit score. Financial institutions (think credit card companies, banks or credit unions for your mortgage and/or auto loans) top the list of those who checks your credit report, but here are other entities who might be interested in your credit information as well:
Carrie M. Durward, PhD, RD
Nobody would just throw money in the garbage, but that is essentially what we do every time we waste food. It is something we all do! Recent research showed that the average American consumer wastes about one pound of food every day! That adds up to over $1,300 per year on food that goes in the garbage. That’s a lot of money! Food waste may seem inevitable, but you can significantly reduce this amount by simply changing a few of your habits. To learn how you can stop wasting food and start saving money, visit USU Extension Food Waste Series. You can also join us on Facebook at USU Extension Nutrition where we will be highlighting ways to reduce food waste all month.
April is National Food Waste Awareness month, and USU Extension Nutrition has developed a series outlining best practices and research-based solutions to help you prevent food waste. This series will help you learn how to meal plan, grocery shop, preserve fruits and vegetables, and use up leftovers in your home. They’ve provided various resources to make saving money and decreasing food waste in your home a breeze!
Carrie M. Durward, PhD, RD, is a USU Extension Nutrition Specialist and Associate Professor in the Department of Nutrition, Dietetics and Food Sciences.
References: Conrad, Z. (2020). Daily cost of consumer food wasted, inedible, and consumed in the United States, 2001–2016. Nutrition Journal,19(1).
Welcome to Financial Literacy Month 2021!
The Utah Money Moms team is excited to bring you personal finance content that can help you stay on track with financial goals, make smart money decisions and enjoy financial freedom.
Here's what's coming your way this month:
Alicia Nelson Bell, Finance Intern
2021 USU Graduate
A 2020 report from Thriving Wallet states that around 90% of Americans reported experiencing money related stress in 2019 and 2020, which makes it the top contributor to stress in America. It may seem like a no brainer, but this money related stress that so many Americans are experiencing is having an impact on pretty much every aspect of our lives. This includes mental, emotional, and physical health as well as our relationships with our friends and family. It boils down to this: the more stressed we are about finances, the less likely we are to make smart money choices.
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