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Money Lessons Every Teenager Should Learn Before Graduating

September 11, 2020 by admin

Once your child enters high school, you’ve only got a few years before they become adults. Whether they plan on going to college, traveling the world for a year, or applying for a job right after graduation, having a clear understanding of financial management practices will help them along their journey. Besides putting coins in a piggy bank and paying for things they want, you must teach them the following:

Earning Money

You may have provided your child with an allowance for getting good grades on their report card and completing household chores, but now it’s time to take things up a notch. Your teenagers need to understand that mom and dad aren’t ATMs. Teach them the importance of earning a living.

There are a few ways you can teach your teenager this financial lesson. If they’re old enough, encourage them to apply for a part-time job. If a job is not an option, show your teen how to turn their skills and talents into earning opportunities. They can cut grass, remove snow, walk dogs, babysit, or assist family members and neighbors with home improvement tasks.

Budgeting

While you wouldn’t expect your teen to pay the rent, utilities, or groceries, there are personal expenses they can cover. They may be responsible for their portion of the cell phone bill, special meals or snacks, and entertainment. When your teenager starts earning income, show them how to create a budget. This shows them that to survive, they have to be responsible with their spending.

Banking

Tucking money away in a drawer, under a mattress, or in a piggybank was fine when they were younger, but it won’t work in adulthood. Now is the perfect time to teach your teenagers about banking. Open a free checking account at the bank of your choice. Show your teen how to make deposits, write checks, and manage their accounts through online banking.

Saving

Whether for future purchases or emergencies, saving is an essential financial management practice to teach your teens. When you open a checking account, consider opening a savings account. Based on the budget you created, talk to your teen about setting a little money aside each week.

Credit and Debt

From credit cards to student loans, teenagers are inundated with credit offers to finance their future. Without proper management, however, these credit options quickly get out of hand. Therefore, talk to your teen about credit and debt. Explain how credit works, what it means to be a responsible borrower, and what happens if you aren’t.

Allow them to view your credit report so they can see how accounts and payments are recorded. Express the importance of paying bills on time and not taking on too much debt to keep their credit in good standing. You should also communicate the importance of good credit to obtain personal loans, a house, a car, and, in some cases, a career.

Fortunately, there are a lot of teen credit card offers you can take advantage of. The cards allow you to deposit cash in an account and use just as you would any credit card. Your teen then gets a hands-on experience on what credit is and how to manage it. The best part is, you’ll be there to help them.

Giving

The last lesson parents should teach their teenagers is giving. There are so many causes and people in need that could use the support. While there are several ways to give, donating money is at the top of the list. Ask your teen what causes they’re interested in or how they’d like to give back to the community. Then, show them how to donate to that cause.

There’s no reason why your kids should have to learn about money through trial and error. As you probably already know, this concept often leads down a path of destruction. Give them a headstart towards a great future by investing time in teaching them the financial lessons listed above.

Filed Under: Finance Tagged With: finance, graduation

Life After Graduation

September 11, 2020 by admin

Recent college grads are heading out into the real world for the first time. While it’s exciting to live life on your own, it’s also scary and overwhelming. You are in control of your future and the decisions you make now will affect your financial stability and health.

Securing a Place to Live

Your resume was impressive and landed you a good-paying job. Now, you need to find a place to live. Working in the city comes with both convenience and expenses. Finding an affordable apartment can be difficult, however, it is not impossible. If you have a friend from college who’s also in the market for an apartment, you could go in together. This will allow you to split the cost of the rent, utilities, and food. If you prefer to have your own space, then you’ll need to find something small or opt to live outside the city limits to afford to carry it on your own.

A Mode of Transportation

You need to buy a car to get to and from work and run errands. Checking your budget tells you that you need to find something in a modest price range. A good option is one fresh off a lease or one that is for sale by an owner. With no established credit, securing your first loan can be challenging. However, you can find a first time car buyer loan where your credit history is not a requirement.

A Healthy Diet

With only one person to take care of, you may end up ordering take out and eating out more than you should. Not only is this expensive, but it can also take a toll on your health. Fast food doesn’t require the nutrition your body needs to stay fit and energized. Instead, go to the supermarket and stock your fridge and cabinets with things like fresh fruits, vegetables, lean meats, nuts, and yogurt. To save money, check the store’s fliers online to see who has the lowest prices on the things you need.

Free Entertainment

It takes an entire year of living on your own to figure out your true expenses. Spending money going out each weekend can put you at a greater risk of losing your apartment, your car, and your independence. Finding things to do that cost little or no money is important. Take a walk in the park and enjoy the fresh air, visit museums, go to the beach or rent a movie. If you want to spend an evening with friends, have everyone chip in for the drinks and snacks, and have fun at home.

Create a Budget

It’s essential to establish a household budget from the beginning. This will allow you to allocate money for weekend getaways and vacations and have money tucked away for emergencies. Make a list of your bills on a sheet of paper or print out a free budget worksheet and fill in the areas that apply. A budget will be your savior during the first crucial year and help you secure financial stability going forward.

Needs and Wants

With a new life in front of you and your first try at living on your own, you may want to go out and buy everything you need and want. Instead, be mindful of your expenses and make it a practice to weigh the pros and cons ahead of any major purchase. You need a table to eat at, so it makes sense to save money for this purchase. While you may want a gaming system, other needs are waiting in line.

Living on your own for the first time is exciting. You can survive the first year if you create a budget and limit your spending to things you need.

Filed Under: Finance Tagged With: graduation, life, life after graduation

What’s In And What’s Not For Prom 2017

April 10, 2017 by admin

Every girl dreams of wearing the most sensational dress in the world for her prom night. That’s why we’ve put together the latest trends for 2017 – so you can choose the best possible style, shade, cut, and shape for your special event and be sure to be the Belle of your Ball.

The Main Trends for Prom in 2017

Every year we see a wide range of innovative designs popping up on the catwalks in time for prom dress shopping, but overall, this year’s trend is to be classic and elegant. Evening dresses always have a special place at prom, but, there are a few new designer threads you may want to consider.

Long Dresses

Long dresses for prom are elegant, stylish, and traditional. Floor length gowns are making a big comeback this year, and we’re sure to see more girls opting for long, flowing ball gowns for their big night. The most popular style of long dresses is set to be form-fitting fabrics with fluffy skirts. These selection of prom dresses for 2017 are very pretty. It’s worth noting that the length of form fitting dresses may not quite reach the floor, but more popularly to the knees or a little bit higher.

Convertible Dresses

The convertible dress is also a hit this year. In this case, a dress that flows to the floor is best and looks the most elegant by far! 2017 will see prom girls picking long dresses with fluffy skirts and corsets, and there will certainly be a wide variety of colours and shapes to choose from.

Lace Dresses

Another trend to be on the lookout for this year is dresses with bodices made of lace and other transparent materials. Other trends include oval, “to the neck,” boat neck, and even deep swing collars along with open arm options, cut-out heart shapes, and “carmen” sleeves. One shoulder strapped are also big this year, regardless of whether the strap is wide or narrow.

What’s on the Catwalks?

So, which trends have shown the most promise on the catwalks for 2017? Mainly, garments adorned with lace with extensive inserts. While these are a little more costly that other styles, they are certainly unique and will ensure you stand out at prom.

We also need to discuss 2017 prom dress colours. Designers from around the globe always bring out something new and trendy that is sure to impress on the big night. But, as we mentioned earlier, this year is about class and elegance, and that means shades of white and black are very in. While there really aren’t any compulsory colour rules for evening dresses, you really cannot go wrong with a black or white prom dress. Also in this year are pearl and greys.

If you are still deciding what type of dress you would like for your 2017 prom, keep elegant, classy, and lain shades in mind, and if you’re looking for that “wow” factor, go for lace with intricate and extensive details!

Filed Under: Fashion Tagged With: fashion tips, graduation, prom, prom dress, teenage fashion

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!