Les 2 millors maneres de mantenir-se amb diners: L’alfabetització financera feta fàcil

21/04/2017

Les 2 millors maneres de mantenir-se amb diners: Facilitant l’alfabetització financera
per Dinorah Nieves
Publicat originalment a The Huffington Post

THE TOP 2 WAYS TO STAY PAID: FINANCIAL LITERACY MADE EASY!

Are your bills keeping you up at night? Can’t rest wondering how you’ll ever come up from under all that debt? Worried about how you’ll save up enough money to take that vacation or buy your first home? If so, you are not alone. In fact, one study shows that six out of 10 people lose sleep on a regular basis due to “financial stress”[1] – that is pressure or tension associated with “money problems.” That same study revealed a list of the most pressing financial stressors, and ranked the following as people’s top three: 1. Living beyond their means, 2. Living in debt, and 3. Not having an emergency fund.

Basically, our past commitments, current spending and future plans, require more capital than we can come up with. Perhaps, it’s because we inhabit a society that promotes good living but doesn’t always pay a good living wage. Or, is it because we want to enjoy the finer things in life even when we’re working super hard just to make ends meet? Both arguments may have some validity, but there is one other pretty compelling truth… Most of us just aren’t very good at managing our finances. In fact, according to the results of a survey by the World Bank, Gallup, and George Washington University, approximately two-thirds of the world’s population is financially illiterate.[2] And while that statistic does seem deplorable, I would argue that it’s really nothing to be ashamed of, just something to actively work on.

Financial literacy is simply just not a skill set that is taught or offered to the masses. I mean, where do you even go to learn how to budget better? Who teaches you how to invest? Add to that, the difficulty of understanding interest and compounding interest on our savings. Not to mention that it’s hard to make the time or learn the know-how to look for sales, deals and discounts. Then there’s the ever-burning question: how do we earn more? Let’s face it, managing money can be a really hard thing to do; one that few of us are ever formally taught to do well. And yet it is an incredibly important task, with dire consequences, and one which we are expected to master early on in adulthood.

So how does one get it right? Answering that question is likely to be the reason why the U. S. Department of the Treasury decided to develop their Financial Literacy and Education Commission[3]; in the hopes that having some basic financial planning skills could help families maximize their…

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