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Money Management - Personal Finance Tips For All Ages
Jeri Atleson
Young people get a bad reputation in society these days.
Actually, the concept of blaming ills on younger adults is
nothing new. Certainly the non-conformist generation of the
1960's got their fair share of bashing in their day. Nowadays,
young adults contend with many stereotypes, some imagined,
others that are real and are completely unique to their
generation. One of the preconceptions is that they are not
responsible with money. In a lot of cases, that notion is true.
Most college graduates leave school with an average of $20,000
worth of school loans saddled to them. Couple that figure with
several more thousand from the numerous credit cards they've
accepted and possibly even a car loan, and some college
graduates can feel as though they've lost before they've even
begun. Irresponsibility and indebtedness is common within
younger generations, yet that fact doesn't make the challenges
that debt presents easier to deal with. There are, however, some
very real ways to manage debt and to prevent falling back into
it.
If young adults are already in debt, then the ship has already
sailed on preventing themselves from getting into that trap. It
is never too late, however to right the ship. Even though a
person may be starting in a harder position, they can always
learn from their experiences and add those experiences to their
money management-personal finance knowledge.
It's important to note that debt is necessary for most people
and that not all debt is bad. For instance, lenders look upon
student loans and mortgages favorably as positive debt if the
account is in good standing. Credit cards, though useful at
times, are the things that get most young people into trouble.
Many credit card companies approach people as young as eighteen
with credit card offers, often times on college campuses. If a
parent or another guardian hasn't properly taught a young person
of the pitfalls of credit card debt, ignorance and
irresponsibility could very well be causes that makes a young
person indebted. There is no such thing as a free anything!
To prevent young adults from falling into poor money management
habits, it's important to give them money management-personal
finance responsibilities early. In addition, an overall
financial education is vital to a responsible view of how money
flows through our global economy and how it affects their bank
account. For instance, opening a low balance checking account,
requiring them to get a job and budget and save income can be
key learning tools and a good foundation for young people.
Fiscal responsibility is essential to understand how money
functions as a tool in our society.
Once they've reached adulthood, encouraging young adults to
continue to educate themselves about money management - personal
finance becomes even more important. The doors that open to
further indebtedness are just as vast as the doors that open to
financial freedom. An understanding of money as a tool and a
respect for it will help to make smarter, more financially savvy
adults. It's also important to review that how you see money and
wealth is a choice. What will happen is that financially savvy
adults teach their children to be financially savvy, and it
becomes a domino effect. Think of the doors that would open to
so many more people if they chose financial freedom versus
indebtedness.
Young adults can learn proper money management-personal finance
techniques if they are taught early on in life and stay
committed to those principles. Once a young person becomes
independent, it's easy for that newfound freedom to turn into
irresponsible spending habits. Young people, with help and the
proper money management strategies, can become responsible adult
consumers and investors.
About the author:
Jeri Atleson has been a successful internet entrepreneur for 3
years. She has a passion for learning and mentoring others to
achieve their financial goals. To learn more about Jeri and how
she may be able to help you achieve your financial success
online with a free coaching session, visit her website at
www.TheAtlesonGroup.com.
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