Teaching Kids Personal Finance From A Young Age

Teaching children about financial literacy inevitably falls on the parents' shoulders in many cases. While some schools are now offering small lessons covering personal finance topics, many are not. The ability to properly manage spending, to regularly save money and to otherwise manage funds intelligently is essential for lifelong financial security. Without structured lessons about personal finance, children often learn about money by watching how their parents manage the family's funds. This … [Read more...]

How to Refinance Private and Federal Loans: The Basics

If you're interested in consolidating your loans but aren't sure what you can combine, a few that can be combined include supplemental loans for students, Perkins loans, state and private loans, federal loans, and Stafford loans. For a full list, visit elfi.com. If you're considering consolidating your loans, do note that you can only replace your various loans with a private loan, including government loans, as we've just mentioned. You can't combine a combination of private loans and … [Read more...]

How To Protect Your Family’s Finances

Parenting can be hard especially when you have kids. When you were still a couple, you only had to think about you and your significant other’s welfare. Sometimes, it’s even okay if the two of you skip meals because, as adults, you can survive missing lunch or dinner every once in a while. However, it all drastically changes when you have kids. Now, you need to put the baby’s needs first. You must plan for their future particularly the rising costs of education today. That’s why it’s crucial … [Read more...]

Types of Loans People with Bad Credit Can Receive

When you find yourself in a bad credit situation, you must have made some poor financial decisions or were out of just plain luck. And you keep wondering that “how can I get a loan with a bad credit?” My goal is to clear this problem for everyone who is facing this situation. I understand that life can be really tough at times and the only way out could be a credit loan but with a bad credit score, not everyone is ready to loan their money. In this article, I will try to suggest you how to … [Read more...]

Why There Is No “Easy Way” Out of Debt

Debt is one of the most relatable issues facing people in the United States. Across all generations, the vast majority of people have debt of some kind. There are a lot of people who will tell you they have an easy solution for you to get out of debt. But you should be skeptical of anyone who tells you this. Here’s why there is no “easy way” out of debt. Bankruptcy Isn’t a Get Out of Debt Free Card A lot of people go through bankruptcy. In fact, over 770,000 individuals filed for … [Read more...]

Easy Ways to Teach Your Kids About Money

Money management is a complicated subject. It there is no consensus about the best investment strategies, how much to save and where to get the best advice. Much of it is up for interpretation. So, how can you prepare your kids for a healthy financial future? To begin, encourage your kids to be aware of money as a concept. It’s important for them to know that it does not grow on trees. Rather, earning an income requires work, saving and some degree of sacrifice. One easy way to do this to let … [Read more...]

How to Save Money in College

When you are in college, you get a good understanding of what it’s like to be broke. From college tuition, to books and supplies, to a lack of time to work, your bank account will be smaller and smaller as the days go by. But just because you’re in college doesn’t mean you need to spend all your money and wonder if you’ll ever get it back. Instead, you can find ways to save money and make your money last so much longer. Check out these fun ways to save money while you’re in college. Opt for … [Read more...]

Stop Dreaming and Start Doing with a Personal Loan from Newcastle Permanent

Newcastle Permanent has been granted Australia’s best customer owned banking and home lender of the year by Mozo Experts Choice Awards. And if that won’t make Newcastle Permanent your preferred lender, we don’t know what will. If you’re looking to make personal purchase or investment decision like home, car, vacation, insurance, and the like, then you can stop dreaming and start making them a reality by using New Castle Permanent’s services. Why take small loans in the first … [Read more...]