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Media Events
The Jordan Rich Show / News
Radio WBZ1030 featured Candi Sparks on 12/22/07 - How to stay out of debt this Christmas. Thank you Jordan!!!
To
Clean Up Holiday Debt, DO:
Leave the credit cards at home. click
here to continue.
Workshops
...are fun interactive teaching about money, with the brain and the emotions in mind.
Titles and content include:
Check It Out! Banking, checking and savings for Elementary School, Junior High School.
What\'s In Your Wallet? Electronic Payments, Identity Theft, Risk and Lost associated with each for Elementary
School, Junior High School, High School
Grown Up? Own Up! Credit Cards, Debt, Taxes, Responsible
Savings and Spending Wisely for High School, Adult
Family Money Workshop How to function successfully
as an economic unit for Families
Kids
and Money Talking to children about money, teaching kids the value of a dollar, allowance, avoiding financial mistakes,
instant gratification. Content will be leveled for audience. Good for all ages - Children, Teens, Adults, Families.
Max Gets It! Allowance, asset allocation, impulse buying, instant gratification, budgeting, planned spending,
opening a bank account, owning a business for Elementary School
Nacho Money Checking, Debit Cards,
Credit Card Debt, Savings, Income, Budgeting for Elementary School (4th & 5th grades), Junior H.S., High School
Money Doesn\'t Grow on Trees! Creating Money consciousness
in children without turning them off for all levels.
Financial Literacy Changes Lives
Food for thought - how would your life be different if you had been given financial literacy
tools when you were growing up? What can you do to improve the chances of success for the children you care about?
In my opinion, we are not properly preparing our children for the
real world, if we do not give them a proper financial education, before they leave home. Maybe it's because we can't teach
what we don't know. Adults are struggling themselves, and may not feel qualified to teach the subject of money. Or, maybe
they feel "negatively" about money, in general. If so, adults owe it to themselves to seek the help that they need.
You have to help yourself before you can help them.
Another
reason that many are reluctant to giving children advice about money, is that today children are very "sophisticated."
They don't like to be told what to do. So what!? No one does- especially when it comes to money. But, we teach children to
eat vegetables and cross at the corner for their own safety - whether they like it or not! So, let's teach them about money,
before they go off and get into financial trouble on their own. Let's be proactive, for their safety!
I think children stand a better chance, if we provide financial literacy, from an
early age. In addition to the basic teaching about money in math class, we can teach them how to shop, budget, plan their
spending and set financial goals. At some point, when children have money
of their own (such as an allowance, getting a neighborhood job, gifts or "reward" money), they can make their own
spending choices. Through trial and error they can develop good money habits. We can help with through our own experience
and helping them to have discipline. Everything is easier when someone believes that you can do it. Let's help them understand
money. Before it's too late!
A
Few Things I Think Children Should Know, Before They Leave Home
In
my opinion, they are more likely to succeed financially if they have already had some teaching, experience and discipline
in:
How to set and stick to a budget. How media and advertising affects them. The
difference between a want and a need. The difference between
debit and debt. How electronic transactions work. How to use credit wisely. That
loans come with interest. How to set a financial goal and reach
it. How to pay yourself first. How to write a resume. How to look for
a job. How to conduct themselves on an interview. How to keep a checking account. How to balance a check book.
How to evaluate benefits package. How to shop for the best price / value. Understand
insurance (life insurance, auto insurance, etc.) The importance
of charity. How to protect their identity. What investing means. The
difference between savings and investing. What is meant
by an investment risk. Why it is important to plan
for retirement, before you get there. Provider
is a certified M/WBE, NYC vendor and DOE vendor. "CAN I HAVE SOME MONEY" is a trade mark of Sparks Fly. Copyright
2006. All rights reserved.
Contact toll-free by telephone at (866) 556-2432 or email
$ Tips on Getting out of Holiday Debt
Most people don't plan to stay indebt, they simply fail to plan a way to become debt free.
When it comes to debt, what is your plan? Remember, learning to handle money properly
involves teaching with the brain and the emotions in mind. To get out of holiday debt do:
Buy
only what you need.
Make cash purchases only. If you can’t pay in cash, you really can’t afford
it.
Brown bag your lunch and eat at home.
Negotiate lower interest rates (if you pay on time
and more than the minimum).
Find more money – were there any rebate offers on your holday purchases?
Did you submit all of your flexible spending expenses from 2007?
Figure out how to lower your bills. Review
and analyze your expenses – can you get a better deal on your cell phone?
Figure out what you can do
yourself – do your hair, nails and clothing repairs, and your own home repairs.
Make gift returns or
exchanges right away – some stores set a time limit for holiday merchandise to be returned or exchanged!
Plan
the next holiday season WAY in advance, so you won't feel this way a year from now!
To Clean Up Holiday Debt,
DON'T
Borrow more money to pay off the other debt!
Ignore the bills – missing
a payment will only make matters worse – you will incur a penalty and may even trigger other lenders to raise their
rates. The credit reporting agencies will pick up this information and it may come back to haunt you.
Lose
sight of your goal of being debt free! It's worth it!
