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Don't go broke

Where do I start?

keep it simple

Credit Card

Live within your means

Working with Financial Documents

Create a Budget 

Person Looking at the Mirror

check in with your future self

simple tools to help out

Don't worry...there's an app for that!

Old school paper and pen budgeting is out and digital tracking is in.  Mobile budgeting apps make it easier than ever to stay on track and keep your spending and saving in line.  Check out these apps for your budgeting needs.


Top 5 Reasons

Maybe money and your role in the economy never made sense. 
Here's your own video tutor!

simple rules of money managemenT
(in black and white)

future self 4.jpg

1st thing to consider

Your Future self

(Think of yourself as a 65 years old) 

  • You acquired knowledge, skills and confidence.

  • You found a job you love.

  • You learned to save for the car, the education, the house, the family, the vacation, travel, retirement, and don't forget the emergency!!

wait delayed gratification.jpg

2nd thing to consider

Delayed Gratification

(Just wait)

  • Benefits:

    • Achieve long term goals

    • Learn self control

    • Bigger, better rewards

    • Achievement is possible

time value of money.jpg

3rd thing to consider


TVM:  "Time Value of Money"

  • When you're young, time is on your side.  Save now and let your money work for you.  See how it works by clicking on VIEW MORE.

teen money

4th thing to consider

PYF:  Pay yourself first

  • Before you spend any money on anything, contribute to your savings account.  Yes, pay your bills next.  No to treats, new clothes, or coffee! Seriously, you can do this!​​  

A National Endowment of Financial Education Resources

Teach Banzai

To Teach about Financial literacy 

It's Free!



Money Management for College Students 

number crunching time

If we're talking about money we have to do the numbers

Rule of


50% of your income goes towards essentials:

housing, food, phone, transportation

30% of your income goes towards lifestyle:

dating, eating out, giving to charity, hobbies

20% of your income goes towards financial:

paying down debt(credit cards, student loan) 

& savings (retirement, emergencies)

Rule of 72

The "Rule of 72" is an easy way to determine how long an investment will take to double, given fixed annual rate of interest.

Check on MORE for a simplified view!

Rule of 20/4/10

Your Wheels

Best is to buy a good, used car.

However, if a newer car is in your plans then use the rule of 20/4/10.

20% - For a down payment

4 years - Finance no more than 4 years

10% - Monthly payment no more

than 10% of total income


limited resources 


unlimited wants


choices to be made

Rule of 30

The "Rule of 30" is all about delayed self-gratification. Basically, if there is something you want, write it down.  Wait 30 days and evaluate the purchase again.  This helps control impulse buying. Do you REALLY want/need this item?

Simple Interest

versus Compound 


Simple Interest Example

               Opening Balance       5% Interest      Principal

              1st yr.    $100    +     $5     =   $105

          2nd yr.      $0     +     $5     =   $110

          3rd yr.       $0     +     $5     =   $115

                          Gain $15.00

Compound Interest Example

     Opening Balance       5% Interest      Principal

              1st yr.    $100    +    $5.00   =   $105

          2nd yr.   $105    +    $5.25    =   $110.25

          3rd yr.  $110.25   +   $5.51    =   $115.76

                          Gain $15.76

You may think only $15.76!!! But if we were

to convert the chart to have an opening balance of $10,000, we would be looking at $1,576.25!!! Now that's why compound interest is so important.  Be sure you are getting compound interest while saving. 

Your future self will be smiling. 

Click MORE to see videos

Money Management Resources

Money Management games

life choices

Calling All Entrepreneurs
Thinking about starting your own business? 
Financial Literacy News Articles
*10 Wellness Tips To Establish Healthy Habits With Your Money
*Not being financially literate could cost you a bundle (cnbc)
*Young Person's Guide To Investing (nyt)
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