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National Today Monday August 14 National Financial Awareness Day

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National Today Monday August 14 National Financial Awareness Day Empty National Today Monday August 14 National Financial Awareness Day

Post by Paul Mon 14 Aug 2023, 5:50 am

National Financial Awareness Day
It's more important than you think. And plus, what’s more fun than financial independence?


National Today Monday August 14 National Financial Awareness Day Aug_1410



How much would you like to bet that most people don’t know August 14 is National Financial Awareness Day?

It’s more important than you think. And plus, what’s more fun than financial independence? First off, think about that great feeling you get when you don’t have the looming specter of debt hanging over you.  Also, sound financial decisions can really make a difference down the road. Remember, retirement is a time to take all those vacations you couldn’t when you were working the daily grind. Because money is important to our overall peace of mind, Financial Awareness Day is a great time to review where you are now and where you’re going financially.  Don’t let bad financial decisions ruin the best years of your life!
Financial Awareness for Students

To honor National Financial Awareness Day, we’ve compiled a list of five useful resources to help guide students making big financial decisions in the near future. Check them out below:

   How do student loans work
   How to get a student loan
   Student loan alternatives
   FAFSA Income Limits
   What is work study and how do you get it?

When is National Financial Awareness Day 2023?

Start saving, investing, and building up that nest egg on National Financial Awareness Day on August 14.

History of National Financial Awareness Day

Do you lavishly spend money like they did in “The Great Gatsby”? Are you saving for retirement but uncertain where every penny is going? Do you live from paycheck to paycheck? Whatever your financial situation may be, it is time to look at the big picture and commit to becoming more aware of your spending. Most of us like to wait until our birthday or the new year to plan our finances but today is a great time to start. August 14 is National Financial Awareness Day and a good reminder to take investing and saving seriously to build financial stability and prepare for the future.

The origins of the holiday are unknown but the aim of it is to develop and instill good financial practices that will solidify a person’s current financial status and serve them through retirement. Investing will make money do the work for us, which will result in less time spent working and leave more time for us to enjoy our lives. David Ravetch, a senior accounting lecturer at the University of California, Los Angeles, says, “We live in a world of financial illiteracy.” What he means is that most of us do not possess the knowledge and skills that are necessary to make informed and effective financial decisions with our existing financial resources.

It seems overwhelming, but everyone has the capacity to learn sound financial principles and save up. Just making small changes to our daily habits can reap great financial benefits. Finances can be quite straightforward once we distinguish our wants from our needs and take inventory of our spending. Joining an investment or money management club or consulting a financial advisor is encouraged, and books and blogs on personal finance are promoted.


By The Numbers

58% – the percentage of Americans who have less than $1,000 saved.

8% – the percentage of U.S. citizens who believe they will never recover from the recession.

$2,000 – the average emergency savings millennial Americans have.

20% – the percentage of Americans who don’t save any of their annual income.

50% – the percentage of American households who live paycheck to paycheck.

32% – the percentage of U.S. families who maintain a household budget.

$1 trillion – the total credit card debt held by Americans.

44% – the percentage of Americans who don’t have enough cash to cover a $400 emergency.

24% – the percentage of millennials who demonstrate basic financial literacy.

40% – the percentage of student loan borrowers who aren’t making payments.

68 Cents – the amount saved by women in 2020 against a dollar saved by men, a decrease from 70 cents in 2019, according to a report by LT Trust.


How to Observe National Financial Awareness Day


   Invest

   Got some money burning a hole in your pocket? Instead of spending it on some fleeting luxury, why not get in on some of that sweet return-on-investment action? Very rarely do you get the chance to spend your money on something that gives a bit back — well, unless you take a trip to Vegas, but those odds are for suckers. In the end playing it safe is always sexier than spending it all. Use National Financial Awareness Day as an excuse to start investing. It’s sure to pay off!

   Take a trip to the U.S. Mint

   What better way to celebrate money than by finding out how it’s made? There are four U.S. mint locations: Philadelphia, Denver, San Francisco and West Point. If pennies aren’t quite as pretty as paper to you, head down to the U.S. Bureau of Engraving and Printing or BEP for short. Not only do they offer tours and rare currency products, but you can take any of those ratty dollars that accidentally got tossed in the dryer and redeem them for free. How’s that for smart money?

   Get smart about your money

   National Financial Awareness Day is the perfect opportunity to make a budget. We know, we know, it’s not an attractive task but it’s so important. Find out where you spend your money by making a spreadsheet or using one of the many online services and apps that will do it for you. The numbers may shock you but that’s okay — knowledge is power!

Why National Financial Awareness Day is Important


   It celebrates Easy Street

   As the saying goes, why work for your money when you can make it work for you? Sometimes in the seemingly endless race to chase that paper, we forget that we don’t always need to take the uphill course. With the right knowledge, you can make the road to riches far less bumpy and a lot more scenic. Sound investment practices can help you spend less time working and more time enjoying your life.

   It teaches us that finances don’t have to be confusing

   In the land of the blind, the one-eyed man is king and if there's one thing most people are clueless about, it’s finance. There’s no downside to having a bit of financial literacy in life. It’s a subject many people find daunting, but taking the initiative to learn how money works will make all your peers green with envy. Just like everyone flocks to that one mechanically-inclined friend when their car breaks down, you’ll be that guy — but for money. Plus, when your car breaks down you can just buy a better one!

   It reminds us to prepare for the unforeseeable future

   They say money can’t buy you happiness. Perhaps — but not having money can sure bring you a lot of sadness. That’s why it’s so important to make sound investment decisions now so you’re not suffering later. You never know what kind of pitfalls life may throw your way but there’s no better safety net than having a nice contingency fund in your pocket.
Paul
Paul
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