A quick introduction – she’s spunky, she’s fun, but most of all, she’s full of curiosity just like your students. And, her curiosity is not limited to the latest snapchat from friends or Ariana Grande’s newest song. She is also curious about life, the world, and yes, money! She goes by Jen, and we believe you and your students will love her!
In a series of short and fun videos, Jen learns about different money matters in an easy and relatable way. Included are video presentations with handouts to engage teenage students and ensure they have a good grasp on real-world financial concepts.
You can easily access 41 different financial topics below or request a speaker for a CUA representative to lead a classroom presentation. Teaching financial literacy has never been so easy, and it’s FREE!
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This lesson introduces children to investing concepts that will help them grow their money in the future.
This lesson shows kids that giving a small portion of their savings or volunteering their time to a cause or charity is important and appreciated.
This lesson shows kids that there’s a cost to buying something now and paying for it later. This content pack introduces the concept of interest and explores reasons for—and alternatives to—borrowing money.
People earn an income when they are hired by an employer to work at a job. Income is earned as a wage, a salary or a sales commission.
This lesson encourages students to practice the challenging life skill of delaying gratification. The lesson explores savings goals, introduces the concept of interest and identifies the different places where students can save their money.
You make many choices every day. You choose how to spend your time. You choose how to spend your energy. You also choose how to spend your money.
This lesson covers the process of preparing for the management and distribution of your assets after your death or in the event that you become incapacitated.
Retirement & Budgeting offers an overview of considerations and strategies as you approach retirement age.
Retirement & Savings offers an overview of savings considerations and strategies as you approach retirement age.
Taxes don’t stop with retirement!
Retirement & Taxes offesr an overview of the tax implications of various retirement savings accounts and strategies to minimize taxes in retirement.
Aspectos básicos del presupuesto se presentan algunos conceptos generales que pueden aplicarse a cualquier sistema de presupuestos, y se resalta que esta actividad debe llevarse a cabo desde la confianza y no a partir de la culpa.
Aspectos básicos de los préstamos son una buena introducción a los tipos de préstamos y su vocabulario, y se pueden usar como un repaso antes de abordar temas más avanzados en ese rubro.
Cómo usar tu tarjeta de crédito están diseñados para fomentar una relación saludable entre los miembros y sus tarjetas de crédito. Presenta los conceptos de ciclos de facturación, fechas límite de pago y estados de cuenta de tarjetas de crédito, y aboga por “pagar el total y a tiempo”.
Construir un presupuesto se presenta el popular sistema 50/30/20. Los miembros aprenderán cómo establecer su propio presupuesto y catalogar sus gastos como Necesidades, Deseos y Ahorro.
Una puntuación de crédito es un número que las instituciones fi nancieras y compañías de tarjetas de crédito usan para determinar el nivel de riesgo que corren cuando te conceden un préstamo o te otorgan una tarjeta de crédito.
Estrategias para el pago de la deuda describen tres enfoques para diseñar un plan para pagar las deudas: el método de la bola de nieve, el método de la avalancha y la consolidación.
While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood and unknown to many.
What was the very first financial choice you ever made?
Even though there are over 5,000 credit unions in the United States, many misconceptions about their structure and their services still exist.
Choosing a career is tough. Whether you’re a new grad or considering a career change, it’s easy to feel overwhelmed when tasked with selecting your next gig.
We spend a lot of time thinking about what we need to communicate to our interviewer, but we don’t take much time to think about what we need to say to ourselves while navigating the interview process.
How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to?
It’s hard to ignore the appeal of making real money online—after all, we live in a world where bloggers land book and movie deals, where top YouTubers are multimillionaires and where celebrities collect thousands of dollars in exchange for a single sponsored tweet.
Choosing a career path is a big deal. Even if you don’t consider yourself career-driven, your choice of vocation will inevitably influence your lifestyle.
Paycheck withholdings are a fact of life for most workers, but they aren’t set in stone. While it might seem like the right idea is to accept your withholdings as given and hope for a big refund at tax time, you’re better off taking a more proactive approach.
Losing your job is stressful. Even with an emergency fund in place, it doesn’t take very long to feel the financial impact of a sudden loss of income.
The COVID-19 pandemic has introduced uncertainty and anxiety in our daily lives. If you have anxiety over the effect of COVID-19 on your personal finances, know that you are not alone.
The number of people working remotely is on the rise—and so are new trends in work-from-home fashion.
Writing a business plan is an essential part of building a successful business. At its core, a business plan is a road map for your project: it establishes your purpose, it sets goals and expectations, and it forecasts the relationship between cost and revenue.
Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Many people believe that improving them is a matter of trial and error and, as a result, there’s a lot of “credit score advice” floating around that can end up doing more harm than good.
You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them?
Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a “b”) globally each year—not to mention the time and hassle involved in recovering a stolen identity.
If you use a cellphone or have an email account, you’ve almost certainly been exposed to an attempt at mass marketing fraud.
If you take your time to carry out an inspection plus research a vehicle’s history, buying a used car can be rewarding and cost-effective.
Asking the right questions is an important part of every financial decision you make, and home ownership is no exception. If you’ve been thinking about buying a place, preliminary research will turn up a long checklist of questions for you to ask at every part of the process.
School is important. It’s also expensive. Offset the costs of post-secondary education the smart way by using free money, your money and borrowed money (in that order).
Investing can seem like a very risky, complex and fast-moving process. With endless combinations of investment vehicles to choose from, it can be difficult to take your first step as an investor—especially with the knowledge that all investments carry the risk of losing some or all of your money. So why bother?
When it comes to buying a new car, you have three options: purchasing it with cash, purchasing it through a loan (also known as financing) or leasing it. For most shoppers, the decision comes down to buying or leasing.
Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few).
The average person moves residences about 11 times in their lifetime. That provides a lot of opportunity to confront the following question: is it better to own your home or to rent it?
Like local car dealerships and personal injury law firms, short-term and payday lenders tend to have the most annoying commercials on TV. They’re often tacky and annoying, and tend to air during daytime talk shows or very late at night.
If you’re considering financing your college education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need.
High-interest debt is stressful and expensive—paying it off should be a financial priority.
Have you ever caught yourself daydreaming about all of the amazing lifestyle changes that await you just beyond your next pay raise?
Budgets are like the New Year’s resolutions of personal finance. We all know we should have one and we all know it’s a fairly simple thing to follow—at least in theory.
Budgeting is a skill that helps you make smart decisions with your money. It ensures that you’re spending less than you earn, it prepares you for life’s curveballs, and it funds your goals and your dreams.
Think back to the last thing you purchased—your most recent financial decision was likely what form of payment to use for that transaction.
You may remember it as an equation you had to memorize for math class, but it’s so much more than that. It’s the concept that powers all sorts of savings and investment products and, over time, allows you to turn your money into, well, more money!
Having an emergency fund means having one less thing to worry about when the unexpected happens. If you find yourself in a situation like a medical emergency, an out-of-the-blue home repair or losing a job, you don’t want to be worrying about how you’re going to manage expenses or about going into debt to cover costs.
When you start looking for financial advice, experts will share their take on what’s “good” and what’s “bad.” In personal finance, there are some classifications that we can all agree on: Debt is bad. Emergency funds are good. Overdrawing your account is bad. Earning interest on your savings is good.
Supporting your local community is a positive thing—it builds relationships, it strengthens the local economy, and it makes your neighborhood a happier and healthier place to work and play. The most obvious way to support your surrounding community is with the choices you make with your dollars.
Investing in Certificates of Deposit can be a safe and reliable alternative to investing in the stock market for young adults. CDs provide a guaranteed rate of return, are backed by the NCUA or FDIC, and offer a predictable income stream. They are ideal for those who are risk-averse or who prefer a steady income stream. By investing in CDs, you take a step toward securing your financial future and achieving your long-term investment objectives.
The average American household spends $3,753 a year on groceries. Here are some tips to help you take a bite out of your grocery bill!
Insurance coverage can be tricky to shop for, because it requires making specific financial decisions about some hazy and unpredictable concepts.
Checks hold an odd place in our personal finances. In many ways, checks seem like relics from a previous era. We maybe write one or two checks a month. This is vastly different from only a few decades ago, when checks represented more than 85% of all non-cash retail payments.
Living on your own for the first time can be empowering. It means having independence and all the things that come with it. Some of those things—like not having to share a bathroom—are wonderful. Others—like killing spiders yourself—are not so fun. And leading the pack in the not-so-fun category: bills.
Every year, it’s nice to do a bit of “financial spring cleaning” and declutter your filing cabinet, your desk drawers, and the various hiding places where miscellaneous scraps of paper tend to accumulate and multiply. Read on to find out what you should be saving, and what’s OK to shred.
Like going to the gym or eating a healthy diet, saving money is one of those concepts that’s simple to grasp but weirdly challenging to put into practice.
A pet’s companionship is priceless, but its expenses add up fast. Like walking the dog or scooping out the litter box, budgeting is a part of basic pet care.
Compound interest = earning interest on your interest. You can use the Rule of 72 to approximate how long it will take for an investment to double at a given interest rate.
Although savings goals vary from person to person and range in size and scope, it’s likely that your longest-term savings goal will be your retirement.
Learning a new skill has many potential benefits. It can entertain you, it can save you money, it can boost your self-confidence, and it can unlock new opportunities at school and at work.
Both bull markets and bear markets represent opportunities to make money; the key to success is to use strategies and ideas that can generate profi ts under a variety of conditions.
Inflation is affecting your finances more aggressively than you might realize—especially when it comes to your savings. Without the proper planning in place, the effects of inflation could actually be costing you your savings.
News outlets and credit card companies are quick to label millennials as being credit card-shy. According to a recent survey, millennials apparently fear their credit card debt more than climate change, the threat of war and even death.
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