April Is Financial Literacy Month

Idaho Financial Literacy Month ProclamationApril Is Financial Literacy Month
All over the country, governors have been signing proclamations declaring April as Financial Literacy month in their state. Here’s an example from Idaho’s Governor, C.L. “Butch” Otter: 2015 Signed Idaho Proclamation

Even the president issued a proclamation on March 31 making April National Financial Capability month across the country.

Financial Literacy or Financial Capability? Which is it. The question misses the point.

I encourage Americans of all economic levels to commit to improving their own financial literacy or capability. As I mention in my classes regularly, the only people I truly worry about financially are those who already know everything about personal finances. Honestly, if financial advisors, credit counselors, and accountants are required to take hours and hours of continuing education every year or two, why should the rest of us rest on our laurels.

Regardless of our financial situation or why we are where we are, and regardless of whether you’re looking to improve your financial literacy or your financial capability, it’s always a good time to add some new financial skills to our repertoire. Budgeting, Consumer Rights, Effective Spending Behaviors, Building Credit, Paying Off Debt, Protecting our Identity, Financial Vision Setting, Surviving Unemployment, Accelerating our Savings; these are all topics you can build upon for free – with no login or payment or registration necessary – at www.debtreductionservices.org/education/webinars or https://oureverydaymoney.wordpress.com/webinars. Webinars are available to stream 24/7 for free and last between 20 and 65 minutes.

Happy Financial “Literability” and “Capabileracy” month!

Todd

Todd Christensen-Author of Everyday Money for Everyday People, Todd ChristensenTodd Christensen
Everyday Money for Everyday People
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*Many financial advisers suggest never paying off your mortgage since interest rates are typically much lower than the return you’re likely to earn on securities investments. Unfortunately, as too many learned during the housing downturn of the Great Recession, owing more on your home that what it’s worth takes away many importance choices the homeowner might want to make. For example, if you owe more than what your home is worth, moving away to take another job is often out of the question.
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