预算编制资料, 支出, 信用卡, 税, 学生贷款, 储蓄, 投资, and other personal finance topics.
什么是金融知识?
Financial literacy is possessing the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.
作为一名大学生, it is important to consider the impact that achieving a degree will have on your finances. The cost of living in Flagstaff is high and takes some getting used to. Understanding this early on and taking steps to prepare for your future and financial well-being will help you tremendously in the long run.
Below are topics that can help you along this path.
资金基础
There are 8 important steps to build financial 健康:
- 做预算 - Create a plan for how to spend your money.
- 使用银行或信用合作社 -保管好你的钱! Determine your needs and find a bank or credit union that works for you.
- 使用支票账户 - Pay for goods or services directly via debit card or a check.
- 兑现支票 - Get your money without paying high fees.
- 使用虚拟货币工具 - Utilize apps to transfer or receive money quickly.
- 获得保险 - Insurance is paying a monthly fee, in case something goes wrong that would cost a lot to replace or fix. 通常, 你要付一部分钱, 或扣除, of the cost at the time of the incident, 例如, 健康, 租房者, 还有汽车保险.
- 退休计划 - It is important to save money, start early, and understand options like an IRA, 401K, and pensions.
- 了解税务 - Know the minimum requirements and when to file your 税. Remember these areas when planning your financial life!
制定月度预算
One of the most basic ways to stay on top of your finances is through the creation of a monthly budget. Now of days it is easier than ever to do so, thanks to various online apps that do the hard work for you. Here at CCC, we provide a wonderful playlist of videos dedicated to showing you how to budget. Adhering to your monthly budget will help you stay organized and disciplined throughout your educational journey.
Understanding Student Loan Interest
Always be aware of the different aspects associated with borrowing money through a student loan, 比如利息. Paying interest can be a never ending cycle if you aren’t careful, so take a look at these videos associated with 学生贷款 and interest to help you avoid a downward spiral of 支出.
储蓄的重要性
Saving is an important element of financial 健康. No matter what age you are, it’s never too early to begin planning for your future. Here are some tips and tricks to help you save small amounts that will add up to large amounts over time.
信用卡
A credit card is a form of debt used to pay for items and services you will have to repay at a later date. Use 信用卡 wisely by limiting use to what you can pay in full each month or use only for emergencies. Check out our credit card playlist for more information.
信用评分
Your credit score is measured by the FICO or VantageScore method, which evaluates different criteria to determine your score. Watch these videos to help improve you knowledge on credit scores.
Credit-debt意识
Understand what you are getting yourself into whenever you borrow money. It is easier to lose credit than to gain it, so be cautious and aware anytime you chose to use credit for your purchases. Check out our debt and borrowing playlist for more info.
保护你的身分
Identity Theft occurs when someone uses your personal information such as your credit card number, 银行账户信息, 驾照, or Social 安全 Number to pretend they are you. Identity theft is more prevalent than ever. Protect your identity at all times and don’t allow yourself to be vulnerable to fraud! Watch these videos on how to protect yourself.