Helping you design a well-feathered and well-funded nest
Fact is, money is a big part of our daily lives. We are faced with many choices and
options about how and what to do with it. And, there is no shortage of businesses
and people that want to quickly separate us from our hard-earned money. It's what
our entire economy and financial system is based on...that we, the consumers,
businesses and the government, all spend our money. It's called "The Circular Flow
of Money" - keeping the dollars moving within the economic system.
We all have wants and needs that require money. But, it's how we prioritize those
wants and needs that will, ultimately, determine our financial futures. It's true that
we must shop to survive, even if we only spend the minimums on food, shelter and
clothing. But, there is so much more to our financial live than simply shopping for
essentials and paying a few bills.
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Financial illiteracy brings some HUGE costs with it - from reducing our lifetime earning potentials, compromising our financial
futures and even affecting our health if we are constantly stressed over money issues. For these reasons and more, it is
necessary that we start making financial education a priority in our lives and in this country. We are never
too old or too young to start learning how to be financially responsible individuals.
But, just as we wouldn't take an Algebra class without understanding basic math, neither can we learn any higher level money
management skills until we have some foundational knowledge of how money works!
Family Life By Design is here to help! We offer financial education programs from companies that believe that
becoming financially literate doesn't have to be boring or difficult to learn.
We are currently offering programs and materials from the following companies:
And, the amount of financial information we need to know about in today's world is extremely vast.
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Did you know that...
- Less than 10% of high school graduates receive any financial education in school.
- The average credit card debt undergraduates carried in 2008 was $3,173
(Source: Sallie Mae, "How Undergraduate Students Use Credit Cards," April 2009)
- Seniors graduated with an average credit card debt of more than $4,100, up from $2,900
almost four years ago. Close to one-fifth of seniors carried balances greater than $7,000. (Source: Sallie Mae, "How Undergraduate Students Use Credit Cards," April 2009)
- Money is the number one cause of divorce in America.
- Money is among the top reasons people commit suicide.
- Approximately 75% of Americans live financially month to month.
- The rules of saving for retirement have changed, from pensions given to employees after
many years of dedication to employees being completely responsible for saving for their own futures.
- Our focus on educating kids about money has, for the most part, been left up to parents
who often know little about how to make and manage their own finances.
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It is because of startling statistics like these that being financially literate is SO critical in today's society.
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Middle-school aged kids through Adults
Elementary school (ages 5-8)
Contact Us to schedule a program for your group, organization, or business.
Age 2 - Early Elementary school