That almighty dollar. It's a sad fact that women make up the majority of the world's poor and unemployed. Women need to protect their own financial futures rather than relying on others to protect it for them. On the average, women live longer than men, spend less time in the workforce, and earn less. How are you planning for your financial future? Many of us do not have a 401K or even a savings account. When you're down and out, how do you get up and back on your feet? Dollars and Sense is devoted to the discussion of women's unique financial needs. Below, you will find a brief intro to each posting.
~ Brief Intros to Current Postings ~
Pay Off Debt Now: 5 Steps To Getting Your Finances in Order by Drew Harris
In our world of dizzying change, nothing is more true than the time honored statement that circumstances always change.
No where is this more true than with financial issues. Have you ever borrowed money, or charged up the VISA card at Christmas, all the while telling yourself that you would pay everything off with a coming tax refund or bonus?
Sound familiar. And then what happens when the bonus money arrives? Read More . . .
Wise Women Money Quiz: How Money-Wise Are You? by Cynthia Fick
Awareness is the first step in gaining financial freedom. Do you know where you stand in terms of Money Smarts?
Test Your Knowledge
The following questions are based on Oppenheimer Funds research. It only takes a minute to see how much you know about dealing with money. Read More . . .
Ten Financial Tips for Women by Sandra N. Salter
On average, women earn 76 cents for every dollar men earn in the workplace. Because women typically spend approximately seven years out of the work force to have and raise children, their earnings are even further curtailed. With lower pay and less time spent in the work force, women are generally left with smaller retirement portfolios, lower company pension benefits and lower Social Security benefits than men.
Despite the fact that women earn less money than men, they generally need a larger retirement nest egg. On average, women live seven years longer than men and must finance more years in retirement. Read More . . .
Do You Know the Benefits of Checking Your Credit Report? by Mary Arce
Do you know why you should check your credit report?
Of course you do, because you have undoubtedly experienced them working in your life!
No matter where you roam, your credit report follows you through life, updating all aspects of your life: your employment, where you live, your opened credit accounts, your closed accounts, your payment history, and even City Hall public records on you. Read More . . .
Teaching Teens the Value of Money by Rachel Paxton
It isn't easy raising teens in today's materialistic society. The older they get, the more expensive the things they want or think they need. If they don't learn how to manage their money at a young age, they won't be able to make it in the real world.
We've tried to teach our teenage daughter from a young age that money and the things that money can buy can't bring you happiness, but that is no easy task. Especially when her parents aren't perfect role models.
We have picked up some tips along the way, however, that have given our daughter a better appreciation for money and how to manage her own spending habits. Read More . . .
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