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Right on the Money: Financial Know-How for Financial Freedom

Right on the Money: Financial Know-How for Financial Freedom

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Published by n3f32010
You’re in college. Chances are, you’re concerned about money, but you’re also consumed with writing papers, taking exams, and balancing everything from friends and family to a possible job. You’ve got enough to think about, right?

Consider this: You are in an ideal position to determine your financial future. Although it may seem strange to think about your financial future when you have tests looming, these lessons are very important. Strong money skills will help you set and meet major goals, such as buying a house or earning a graduate degree. Money skills will help you save for retirement, plan vacations, manage tough financial times, and provide a comfortable life for yourself and your family. These skills can mean the difference between worrying about bills and knowing you’ve got money in the bank.

Whether you’re in college for two years or four, or just taking a few classes, this booklet can help you acquire the financial skills you need to create the kind of life you want. Created by the National Endowment for Financial Education® in conjunction with Washington State Department of Financial Institutions, this booklet offers lessons on checking accounts, savings, and handling credit cards.

It also covers tips for financing college, investing, and other topics that can help you become a savvy money manager.

You don’t need a Ph.D. in finance to do this. All you need are a few tools and some time.
You’re in college. Chances are, you’re concerned about money, but you’re also consumed with writing papers, taking exams, and balancing everything from friends and family to a possible job. You’ve got enough to think about, right?

Consider this: You are in an ideal position to determine your financial future. Although it may seem strange to think about your financial future when you have tests looming, these lessons are very important. Strong money skills will help you set and meet major goals, such as buying a house or earning a graduate degree. Money skills will help you save for retirement, plan vacations, manage tough financial times, and provide a comfortable life for yourself and your family. These skills can mean the difference between worrying about bills and knowing you’ve got money in the bank.

Whether you’re in college for two years or four, or just taking a few classes, this booklet can help you acquire the financial skills you need to create the kind of life you want. Created by the National Endowment for Financial Education® in conjunction with Washington State Department of Financial Institutions, this booklet offers lessons on checking accounts, savings, and handling credit cards.

It also covers tips for financing college, investing, and other topics that can help you become a savvy money manager.

You don’t need a Ph.D. in finance to do this. All you need are a few tools and some time.

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Published by: n3f32010 on May 25, 2010
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Right on the Money
Financial Know-How for Financial Freedom
Introduction
..3
Chapter.1:.Defining.Personal.Values
..4
Identifying Needs vs. Wants ............................... 5Goals ................................................ 7Exploring Ways to Learn .................................. 10
Chapter.2:.Banking.On.It
..11
Checking Accounts: What You Need to Know ................. 12Savings: the Why and How ................................ 16High-Cost Options ...................................... 18
Chapter.3:.Getting.a.Grip.With.a.Spending.Plan
..22
Getting Started ......................................... 22
Chapter.4:.Finding.Funds.For.College
..28
Finding Financial Aid .................................... 28 Applying Now! .......................................... 29Financial Aid Facts ...................................... 31Loan Possibilities ....................................... 33 Attending College at Any Age .............................. 38Start Saving! ........................................... 40
 2nd Edition
 
Chapter.5:.Curbing.the.Spending.Urge
..44
Watching Everyday Spending .............................. 44Credit Cards: Handling with Care ........................... 48Getting Out of Debt ..................................... 53
Chapter.6:.Protection.Matters
..54
Credit History .......................................... 54Insurance Issues ........................................ 57Identity Theft .......................................... 59
Conclusion
..61
Resources
..62
General ............................................... 62Financial Aid Information ................................. 62Financial Literacy ....................................... 63Credit-Related Web Sites ................................. 63College Financing Alternatives ............................. 64Other Options .......................................... 63 Alternative Sources for College Credit ....................... 64
Acknowledgments
..65
This booklet ismeant to providegeneral financialinformation; it isnot meant tosubstitute for,or to supersede,professional orlegal advice.Note: The contentareas in this materialare believed to becurrent as of thisprinting, but, overtime, legislative andregulatory changes,as well as newdevelopments, may date this material.
©2010 National Endowment forFinancial Education. All rights reserved.
 
Introduction
 You’re in college. Chances are, you’re concerned about money,but you’re also consumed with writing papers, taking exams, andbalancing everything from friends and family to a possible job. You’vegot enough to think about, right?Consider this: You are in an ideal position to determine yourfinancial future. Although it may seem strange to think about yourfinancial future when you have tests looming, these lessons are very important. Strong money skills will help you set and meet majorgoals, such as buying a house or earning a graduate degree. Money skills will help you save for retirement, plan vacations, manage toughfinancial times, and provide a comfortablelife for yourself and your family. These skillscan mean the difference between worrying about bills and knowing you’ve got money in the bank.Whether you’re in collegefor two years or four, or justtaking a few classes, this bookletcan help you acquire the financialskills you need to create the kindof life you want. Created by theNational Endowment for FinancialEducation
®
in conjunction withWashington State Department of Financial Institutions, this bookletoffers lessons on checking accounts,savings, and handling credit cards.It also covers tips for financingcollege, investing, and other topicsthat can help you become a savvy money manager. You don’t need a Ph.D. infinance to do this. All you need are afew tools and some time.
 You don’t need aPh.D. in financeto do this. All you need area few tools andsome time.

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