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Resources & Tools

How To Be Financially Literate

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Basic money management skills are extremely important for Millennials’ long-term financial stability and success. Strong financial literacy means understanding concepts such as budgeting, checking and savings accounts, credit and investments and the most beneficial ways to spend your money. The more financial literacy Millennials have, the easier it will be to avoid excessive debt and prepare for the future..

Tips for millennials to become financially literate.

  1. Learn how to budget – Budgeting is the cornerstone of responsible financial planning. Creating and maintaining a budget shows exactly how much money you have and where it’s being spent. A budget will help you find ways to save money and plan for the future.
  2. Understand credit – Learn the concepts of credit, including: why credit is important, the information used to calculate a credit score and how to improve a credit score. It’s also crucial to understand the best strategies for paying down credit card debt.
  3. Create a checking/savings account– Creating a checking and/or savings account is one of the first actions you can take to keep your money safe and make paying bills easier and more convenient.
  4. Understand debt/loans – There are a number of student loan repayment options to help you pay off loans in a timely manner within your budget. Repayment plans can be changed at any time, even if you’ve been assigned a repayment plan when you first began repaying the student loan. Understanding debt/loans – Different debt requires different strategies. Not all debt is created equal nor is it addressed the same way.   Types of debt may include; student loans, auto loans, mortgage, credit cards, medical bills, and even utilities.  
  5. Understand the danger of identity theft –Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. The best way to help prevent becoming a victim of ID theft is to safeguard your personal information.

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