Category: Financial Literacy for Kids

Why Investing on a Tight Budget Matters in 2025 If you feel “late to the game” in 2025, you’re not. A century ago, building wealth meant owning land or a business; in the 1950s — buying blue‑chip stocks through a broker in a suit; in the 1980s — watching tickers on TV and paying fat…

Why Teaching Kids To Budget Their Allowance Really Matters Деньги как язык: лучше начать раньше Money is like a language: the earlier kids start “speaking” it, the более свободно они им пользуются взрослыми. Teaching children how to budget their allowance is not about turning them into little accountants; it’s about giving them спокойствие и уверенность,…

Why side gig taxes matter more than you think Side income looks harmless when it’s just a few extra hundred dollars a month, но налоговая логика у него своя. The moment you earn $400 or more in net profit from a side hustle in the US, you’re on the hook for self‑employment tax, даже если…

Why “Just Make a Budget” Doesn’t Work For You (And That’s Okay) If every article on money makes you feel guilty for not loving spreadsheets, the problem is not you — it’s the method. Classic budgeting assumes you’ll happily track every coffee and bus ticket forever. Most people won’t. From когнитивной психологии мы знаем: чем…

Money emergencies don’t care how old you are. They hit students, parents, and grandparents the same way: suddenly and usually at the worst possible moment. A real “family” emergency fund is not just a pile of cash in one account; it’s a system that protects several generations at once and doesn’t fall apart when one…

Why a Debt‑Free Wedding Is the Smartest Gift You Can Give Yourselves A “dream wedding” sounds exciting… until the credit card bills start showing up. Many couples quietly finance decor, dresses, and venues with loans—and then spend the first years of marriage paying for a one‑day event. Going debt‑free doesn’t mean your wedding has to…

Why deductions and credits matter more than ever In 2025 the tax game is less about memorizing rules and more about knowing which levers to pull. According to recent IRS summaries, from tax year 2020 to 2022 the average U.S. refund bounced between roughly $2,700 and $3,100, and a big chunk of that gap came…

Why Seasonal Income Feels Harder in 2025 Seasonal work used to mean just “busy in summer, quiet in winter”. Вut в 2025 году картина сложнее: цены скачут, ставки по депозитам меняются каждые пару месяцев, а подработки то появляются, то исчезают. Когда вы пытаетесь понять how to budget with irregular income, обычный совет “просто трать меньше,…

Evolution of Family Debt Management From Stigma to Strategy For most of the 20th century, family debt was something people hid, not managed. Parents took loans from a single local bank, relied on cash, and hoped rising incomes would quietly erase balances. Credit cards, student loans, and online shopping changed the game: access to money…

Why financial literacy matters in nursing today You care for patients under pressure, on rotating shifts, and often with overtime that swings from feast to famine. That reality makes money habits more, not less, important. Since 2023, costs have cooled but not vanished: U.S. CPI inflation eased from roughly 6% in 2022 to about 3–4%…