Missouri, Tennessee, Utah and Virginia require that high school students take a personal finance course to graduate. If you don’t live in one of those states or your children are younger than high-school age, you might have to be their first teacher on this subject — that’s how to raise money savvy kids.
Christmas is the one time of year that many people lose control over their finances. It can happen to the best of us even if we do a pretty good job the rest of the year. Part of the reason is that there are so many extra things to buy for the holidays. It can also be attributed to not setting aside enough ahead of
Gardening might cost less than other pastimes but it’s usually not without expenses. At a minimum, you might have to buy planters, potting soil and starter plants or packets of seeds. You can actually eliminate most expenditures if you make your own potting soil, repurpose old containers into pots, and even obtain plants for free. Here’s how to track down sources of free plants.