Category: Financial Literacy for Kids
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Cryptocurrency for beginners: understanding the digital currency world
Cryptocurrency looks mysterious from the outside, but once you crack the basics, многое вдруг становится логичным. Imagine the internet before Google: хаос, куча сайтов, минимум удобства. Крипта сейчас примерно там же. Это не игра для гениев математики, а новая цифровая экономика, куда обычные люди уже приходят за карьерой, инвестициями и свободой выбора. Твоя задача не…
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Budgeting for a family of five: practical guide to saving and planning
Why budgeting for five feels harder than it should When you’re feeding, clothing and entertaining three kids, “normal” budget advice often collapses. Between 2022 and 2024, U.S. consumer prices rose roughly 6.5%, 3.4% and about 3.2% year‑over‑year (Bureau of Labor Statistics), while food‑at‑home prices alone jumped more than 11% in 2022 and another 5% in…
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How to budget for a move during retirement and protect your savings
Historical context of moving in retirement How retiree relocations have changed Over the last few decades, moving in retirement has shifted from a one‑time “Florida condo” event to a more flexible, multi‑stage strategy. In the early 2000s большинство американских пенсионеров переезжали один раз и навсегда, часто в тёплые штаты. По данным U.S. Census, с 2022…
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How to set realistic financial goals as a couple and build a stronger money plan
Why money talks can feel so hard Most couples don’t argue about money because they’re greedy; they argue because cash touches values, fears and childhood stories about security. Surveys in the US and Europe show that finances remain a top three cause of relationship stress, even in higher‑income households. When partners avoid the topic, small…
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Comprehensive financial plan basics: how to build your long‑term money strategy
Why a Comprehensive Financial Plan Matters More Than You Think Most people start dealing with money по принципу «как-нибудь само рассосётся». Зарплата пришла — часть ушла на аренду, часть на еду, остальное растворилось в повседневных расходах. А потом внезапно всплывают кредиты, долги и полное отсутствие накоплений. Вот здесь и выручает грамотно составленный, по-настоящему comprehensive financial…
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Financial planning for divorce: manage your money before and after separation
Historical evolution of money and divorce The way people think about financial planning for divorce in 2025 is the result of a long economic and legal evolution. In the mid‑20th century, when single‑income households dominated in the US and much of Europe, courts often treated divorce as a moral failure rather than a financial restructuring….
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Credit score explained: a practical guide to understanding and improving it
Why Your Credit Score Still Matters in 2025 (Maybe More Than Ever) Your credit score has quietly turned into one of the main filters, deciding кто получает доступ к дешевым деньгам, а кто платит больше за всё — от ипотеки до страховки. В 2025 году это уже не просто цифра для банка: арендодатели, работодатели в…
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Real estate investing for beginners: a simple beginner’s guide
Real estate investing for beginners sounds fancy, but it’s really about learning a few boring-but-powerful rules and then applying them consistently. Over the last three years, the U.S. median existing‑home price went from roughly $375–385k in 2022 to about $390k in 2023, и in mid‑2024 обновился исторический максимум около $420k по данным NAR. При этом…
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How to plan for a career-change transition financially and protect your budget
Why Money Planning Matters When You Change Careers Switching careers isn’t just about polishing your résumé; it’s a full‑scale financial project. Surveys from Gallup и BLS показывают, что средний человек сменит работу многократно, а каждая серьёзная смена траектории сопровождается падением дохода в первые 6–18 месяцев. Грамотное financial planning for career change помогает превратить этот период…
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Budgeting for a green energy upgrade at home to cut costs and boost efficiency
Why “going green at home” is really a money question Most people think about solar panels or heat pumps as something “for the planet”. Но правда в том, что это прежде всего финансовое решение: вы меняете структуру своих расходов на 10–20 лет вперёд. Когда вы планируете бюджет на зелёное обновление дома, важно смотреть не только…