Brummet's Conscious Blog

Jullieth Cragwell, outreach coordinator for Annuity.org, requested that we discuss Financial Literacy ,  Financial Abuse  and Financial Infidelity   Financial Literacy begins with completing a Financial Needs Analysis . This is where you list all your monthly bills, seasonal and annual bills. Add in the average budget for menu planning. Add in the vehicle or transportation costs. This tells you what it takes to pay for: food, transport and housing. Nothing extra here - no hair styling, no nail visits, no massage or workout fees. Just your basic financial needs. The bare minimum that you need to survive.  Knowing this can really help you make better decisions when it comes to spending and investing. By investing - I mean: - Buying something according to its durability, quality and the company's impact on the world.  - Invest in quality: you will have to purchase less often and do less maintenance too.  - You might invest in paying off your debt which cl...