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Americans are a culture of car lovers. We pamper our cars, treating them like miniature extensions of our homes with elaborate sound systems, plush carpeting, and fancy detailing jobs. Unfortunately, many of us also waste a lot of money on the operation and maintenance of our cars, and pay more to own a vehicle than we…

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The best tool for teaching your kids about money is an allowance. If you want your children to grow up with good financial sense, you need to start early with a regular, consistent allowance. Giving your kids a source of income and the responsibility of managing it will teach them lessons to last a lifetime….

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Whether it’s spring cleaning or your regular household chores, there are ways to make housecleaning a boon to your budget. Start with the supply closet Before a big cleaning project gets underway take stock of your cleaning supplies. Make sure you don’t buy anything you already have by cleaning out the supply closet and organizing…

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Identity Theft is a problem we talk about frequently. It’s still the #1 complaint the Federal Trade Commission gets, even after 15 years. “America’s fastest-growing crime” shows no signs of stopping. And now with data breaches affecting millions of users at once, the impact of ID theft has exploded. Because ID theft typically involves stolen…

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Spring is here and people everywhere are getting their hands dirty in the garden. It’s a great activity, and like every hobby our clients are involved in, it can come with unexpected expenses. Let’s talk about how to keep your gardening activities on budget. Get organized—start with an inventory what you have. If you packed…

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May’s shopping calendar has a couple of big shopping holidays: Mother’s Day is a big shopping target, and sales will be going on all month leading up to the holiday. Look out for end-of-season sales in May, so Spring items will start going on sale to make way for summer goods. Memorial Day weekend is…

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Basics of Competition

Today we’re talking about competition in economic markets. This follows from previous posts we’ve offered so far for Financial Literacy Month: the Basics of Trade and Basics of Supply & Demand. Competition between sellers in a market is seen as a good thing for consumers. If there is only one restaurant in town, it’s free…

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Basics of Currency

So far in financial literacy month, we’ve talked about banking, saving, and investing, but today we’re going to focus in on money itself. Currency is any money that is acceptable as a medium of exchange. Typically, that means a government-backed money, issued either in paper or metal coins. National Currencies Each country typically has a…

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Basics of Insurance

Insurance is a critical subject to understand for full financial literacy. There are many different kinds of insurance available to serve different purposes. Getting insurance is about mitigating risk. No matter how hard we try, we will always have some level of risk in our activities. We collectively and individually decide how much risk we…

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Basics of Investing

At credit.org, we’re mostly concerned with helping people get educated and on their feet financially. Our clients are typically trying to eliminate revolving debt, or become homeowners. We don’t provide investment advice. But we are concerned with financial success. We want all of our clients and everyone we educate to have a bright future and…

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