Contrary to popular belief, the word “Budget" is not a bad word. Historically, the word was simply a “wallet" or “leather bag" (i.e., purse?), which makes sense, because that’s where we put our spending money.So, there you have it; a budget it’s all about how and where we spend our money.

When is it time to teach kids about money and smart shopping? From toddlers to teenagers and beyond, education and practice can take place to train our children the value and wise use of money. Instead of giving a child everything they desire or constantly saying, “No!" life is full of fun opportunities, or “teaching moments" to convey that money is earned, saved, and spent.

There are many questions people ask when it comes to building your credit score. Some people wonder, what is a credit score? Your credit score matters when you buy a home, an automobile or even applying for a credit card. The lenders need to know what kind of risk they are taking by lending you money. Yes, applying for a credit card is considered borrowing money each month for your purchases applied to the credit card!