Financial Literacy by Great Start Livingston

Honeydue - for couples to manage money together. [FREE]

GreatStartLiv — 2023-04-25 17:55:00 UTC

Honeydue is a free mobile app that makes it easy for couples to stay on top of money - whether you just moved in together, or celebrated your 25th anniversary.

Monthly 50/30/20 Budget Calculator

GreatStartLiv — 2023-04-25 17:59:04 UTC

Enter your monthly after-tax income into this free budget calculator to create a suggested budget.

15 Ways to Teach Kids About Money

GreatStartLiv — 2023-04-25 18:00:48 UTC

Here’s how you can give your kids a head start and set them up to win with money at any age.

Retirement Calculator

GreatStartLiv — 2023-04-25 18:01:20 UTC

Using your age, current income and current retirement savings rate, this retirement calculator will show whether you're on track for the retirement you want.

EveryDollar - monthly budgeting app. [FREE or PAID]

GreatStartLiv — 2023-04-25 18:03:23 UTC

Get organized, find more money, and finally feel secure in your finances. (Free and Paid versions available)

Goodbudget - budget tracker app [FREE or PAID]

GreatStartLiv — 2023-04-25 18:04:59 UTC

A home budget app based on the envelope budget system. Available on the Web, Android, and iPhone. Replace your family budget planner, worksheet or spreadsheet with software that syncs.

Mint - Budgeting App [FREE]

GreatStartLiv — 2023-04-25 18:12:51 UTC

Mint brings together everything from spending, balances, and budgets to your credit score and more. Access your financial life in one app.

You Need A Budget - App [PAID]

GreatStartLiv — 2023-04-25 18:15:50 UTC

The YNAB app works because it’s built around Four Rules designed to change your financial future.

Rule One
- Give Every Dollar a Job
Rule Two
- Embrace Your True Expenses
Rule Three
- Roll With the Punches
Rule Four
- Age Your Money

Planning Forms

GreatStartLiv — 2023-04-25 18:19:39 UTC

If you're an on-paper, on-purpose type of person when it comes to handling your personal finances, download one of our budget forms or other useful spreadsheets.

Make a Budget

GreatStartLiv — 2023-04-25 18:22:22 UTC

Use this worksheet to see how much money you spend this month. Then, use this month’s information to help you plan next month’s budget.

9 Tips for Teaching Kids About Money

GreatStartLiv — 2023-04-25 18:27:28 UTC

How do you foster financial independence and financial literacy among young people?

10 smart ways to teach kids about money through the years

GreatStartLiv — 2023-04-25 18:28:27 UTC

Only eight U.S. states require high school students to take a semester of personal finance education before graduation, while 10 more are set to implement similar requirements soon.
Parents can step in and help by engaging in financial education at home with their children.
Here are 10 steps parents can take with kids ages 5 and up to improve youngsters’ familiarity with important financial concepts and habits.

Want to teach your kids about money? Start by including them in the conversation

GreatStartLiv — 2023-04-25 18:29:10 UTC

Teaching Kids About Money: An Age-by-Age Guide

GreatStartLiv — 2023-04-25 18:29:37 UTC

Trips to the bank, store, or the ATM machine can be a perfect opening for a discussion with kids about how you use money. Here are some fun, simple ways to introduce finance to your child.

Managing Your Money

GreatStartLiv — 2023-04-25 18:42:27 UTC

Credit, Loans, and Debt

GreatStartLiv — 2023-04-25 18:43:03 UTC

Scams and Identity Theft

GreatStartLiv — 2023-04-25 18:43:50 UTC

Making a Budget

GreatStartLiv — 2023-04-25 18:46:11 UTC

10 Best Ways to Save for College

GreatStartLiv — 2023-04-25 18:48:05 UTC

529 Overview

GreatStartLiv — 2023-04-25 18:48:55 UTC

A 529 plan is a tax-advantaged savings/investment plan designed to encourage saving for the future expenses of a designated beneficiary (typically one's child or grandchild). The plans are named after Section 529 of the Internal Revenue Code and are administered by state agencies and organizations.

An overview of Michigan's 529 College Savings Plans

GreatStartLiv — 2023-04-25 18:49:54 UTC

Want to start saving for your child's future college education? This overview of Michigan's 529 college savings plans will help get you started. Learn the basics of the Michigan Education Trust (MET) and Michigan Education Savings Program (MESP) programs and their tax benefits.

Michigan Education Trust

GreatStartLiv — 2023-04-25 18:50:32 UTC

Michigan's Section 529 Prepaid Tuition Savings Plan

Michigan Education Savings Program (MESP)

GreatStartLiv — 2023-04-25 18:51:32 UTC

Michigan's Direct Sold Section 529 Investment Savings Program

MI 529 Advisor

GreatStartLiv — 2023-04-25 18:52:25 UTC

Michigan's Broker Sold Section 529 Investment Savings Program

Guidelines for Teaching Kids About Money

breannegreen — 2023-04-25 19:15:30 UTC

Oakland Livingston Human Service Agency (OLHSA)

breannegreen — 2023-04-25 19:25:11 UTC

Oakland Livingston Human Service Agency (OLHSA) is a Community Action Agency that was formed in 1964 as part of President Lyndon B. Johnson's War on Poverty. OLHSA supports Oakland and Livingston County residents with removing the burdens of poverty by providing individually tailored, wrap-around assistance for all individuals and families in need of help.

How To Balance a Checkbook

breannegreen — 2023-04-25 19:28:08 UTC

How to Balance a Checkbook

breannegreen — 2023-04-25 19:28:35 UTC

Balancing your checkbook helps you track your cash flow and identify any errors or signs of fraud. To balance a checkbook, you’ll need to choose your recording method, log your beginning balance, add account transactions and compare your check register to your bank statement.

How to Save Money: 23 Simple Tips

breannegreen — 2023-04-25 19:29:40 UTC

How to Save Money: 22 Proven Ways

breannegreen — 2023-04-25 19:30:01 UTC

How To Get Your Free Annual Credit Reports

breannegreen — 2023-04-25 19:32:00 UTC

How do I order my free annual credit reports?

The three nationwide credit bureaus — Equifax, Experian, and TransUnion — have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three credit bureaus individually. These are the only ways to order your free annual credit reports:

visit AnnualCreditReport.com
call 1-877-322-8228, or
complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Five Simple Steps Toward Better Credit

breannegreen — 2023-04-25 19:32:44 UTC

How to Improve Your Credit Score

breannegreen — 2023-04-25 19:32:58 UTC

How to Improve Your Credit Score

breannegreen — 2023-04-25 19:33:09 UTC

How to reduce your debt

breannegreen — 2023-04-25 19:36:22 UTC

CATEGORIES USED IN THE SPENDING TRACKER

breannegreen — 2023-04-25 19:39:48 UTC

Use this spending tracker to consider what is important to you.

Income and Benefits Tracker

breannegreen — 2023-04-25 19:41:29 UTC

Plan the best times to save and spend with this Income and benefits tracker.

Bill Calendar

breannegreen — 2023-04-25 19:42:28 UTC

Creating a Bill calendar helps you see how income and bills line up each month.

Monthly Budget

breannegreen — 2023-04-25 19:43:18 UTC

Use this budget tool to see how much you make and spend each month.

Setting SMART goals

breannegreen — 2023-04-25 19:44:38 UTC

Setting goals is the first step toward achieving your dreams. This tool teaches you how to effectively set goals that are SMART—meaning they are (S)pecific, (M)easurable, (A)chievable, (R)elevant, and (T)ime bound

Budgeting: How to create a budget and stick with it

breannegreen — 2023-04-25 19:45:11 UTC

OLHSA - Get out of debt

breannegreen — 2023-04-25 19:47:16 UTC

OLHSA offers Group Education Webinars with topics such as:

Improve Your Credit
Debt Negotiation
Debt Reduction
Reaching Your Financial Goals
Home Preservation - late on mortgage or property taxes
Homebuyer Education

Financial Wellness & Asset Building

breannegreen — 2023-04-25 19:48:30 UTC

28 Ways to Get Out of Debt

breannegreen — 2023-04-25 19:54:18 UTC

Managing and Reducing Debt

breannegreen — 2023-04-25 19:55:21 UTC

In general, most people find themselves struggling with debt. Even if it is a little debt, it still must be properly managed. However, if you find yourself carrying too much debt, eliminating debt should be a top priority as it could jeopardize your financial future. There are many ways individuals can eliminate or reduce their debt. Although these options may not be ideal for some, the choices listed below could be considered.

Budget Calculator

breannegreen — 2023-04-25 19:57:14 UTC

Attached is an example budget spreadsheet. You can use this to assist you with preparing your monthly expense list.

Financial Education

breannegreen — 2023-04-25 19:58:09 UTC

Understanding your finances is the first step to a secure retirement.

4-H Clover Cents

breannegreen — 2023-04-25 20:01:41 UTC

These short videos will walk students through activities related to money management. Hands-on learning is a helpful way to learn concepts about money! Each activity is a stand-alone experience, but will be more useful if watched in the series. See each page for materials needed for the activity.

MSU Extension4-H Youth Money Management

breannegreen — 2023-04-25 20:02:38 UTC

Join Michigan 4-H as we hold fun contests and workshops leading up to National Financial Literacy Month in April. Expand your knowledge and compete with other youth across Michigan to earn prizes in money management challenges.

Livingston Financial Readiness Action Team

2023-06-14 14:50:33 UTC

The Financial Readiness Action Team is a partnership between the Career & College Readiness team, local school district counselors, and financial institutions.

We work together to make students aware of scholarship opportunities and financial aid programs, help them complete scholarship or financial aid applications, and teach financial readiness to students and families.

breannegreen — 2023-12-01 17:26:47 UTC

An article about how to stay strong and connected as a family during tough financial times.

breannegreen — 2023-12-01 17:27:32 UTC

Watch Bert help Ernie learn the difference between wants and needs.

breannegreen — 2023-12-01 17:28:08 UTC

Watch Elmo and Abby learn financial education basics.

breannegreen — 2023-12-08 17:11:58 UTC

Watch Cookie Monster learn about making a plan. 

Money Talk

GreatStartLiv — 2023-12-18 17:46:23 UTC

Learn how you can answer kids’ questions about money.