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It’s that time of year – high school and college graduations. Young women and men are stepping into a new phase of their lives. Unfortunately, financial education is not a mandatory class in most high schools or colleges. But, money plays an important role in all aspects of our lives – career, lifestyle, self-image, marriage, family and health. Let’s test your money IQ.
By law you can request your credit report free every 12 months from: A. FreeCreditReport.com B. AnnualCreditReport.com C. Credit.Com
The internet is seductive. It is so much easier to believe it holds the answers to life’s mysteries, than to imagine what it would be like without it. Granted, it really does hold a HUGE amount of information, but it still cannot replace our feelings, values or perceptions of what we hold dear. You might be thinking: what in the world does this have to do with business? And I would have to say: almost everything.
We’ve all been told to save money. But for what? For that proverbial rainy day? (It always rains where I live, by the way. Seattle.) Can we ever touch our savings? When? I find that many people have a hard time saving because they are not sure what they are saving for, and then they feel really bad if they ever touch their savings.
So let me demystify something for you. There are three TYPES of savings, with different purposes, and we need all three. In this article, I will describe the first type—it’s called “Periodic savings” and it will alleviate your stress faster than you can say “periodic savings.” (And since you’re curious, the second kind of savings is your safety net and the third kind is your long term investments.)
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