Budgeting



According to the American Research Group in store shoppers are expected to spend an average of $929 for Christmas gifts in 2016.  Online consumers are expected to spend an average of $1,342.  Forbes reports that 63% of Americans have under $500 saved, however.  Nearly two-thirds of Americans cannot afford to […]

Reducing Holiday $tress


Unsure about your finances? The below article will help jumpstart your finances.  Here are some tips to get you started!   By Roslyn Lash, AFC® Getting a new job, buying a car, buying a home — all of these milestones are both exciting and at times stressful for young adults. For many people, these […]

Financial Wellness for Millennials



By Roslyn Lash It’s easy to spend more than you planned when buying a car. The nicer, more expensive cars are generally parked prominently on the showroom floor, while the average, more affordable cars are less visible. Once you see those shiny cars, it’s easy to become so excited that […]

How to Buy a Car


You’ve decided to leave college. Maybe you’re becoming an entrepreneur, or you’ve concluded that higher education isn’t right for you. Or maybe you can’t afford to stay in school. Whatever your reason, during this time of starting anew, don’t forget about those student loans. Leaving school early means you’re more likely to fall […]

Tips for Paying Off your Student Loans


By Roslyn Lash There’s no question that losing your job can be scary and difficult. But if you are fortunate enough to have some warning, you can take some steps to soften the blow, whether layoffs are at the rumor stage or already under way. These suggestions can help you prepare […]

How to Survive a Job Loss




  Youth Smart Financial Education Services is a financial education and coaching program primarily for youth and millennials. There are two focuses: To help schools, churches, businesses, and non-profit organizations provide financial education to their young clients. Providing coaching sessions to young adults, commonly referred to as Millennials or Gen Y’s, to help them take control of […]

An Entrepreneur’s Passion