Welcome to MoneyBasicsU

MoneyBasicsU is a personal finance magazine that empowers you to achieve your money lifestyle goals.  Learn the basics about money to make good financial decisions, and you’ll soon be on your way to a new life.

Personal Finance News

Federal Trade Commission – A Credit Monitoring Case for Consumers

Federal Trade Commission – A Credit Monitoring Case for Consumers

One of the challenges consumers have to watch out for in today’s diverse and complex financial world is identity theft and financial fraud.  Many consumers choose to enlist third-party credit monitoring services to keep a look out for fraud.  Money smart consumers also know that maintaining a solid credit score is really important.  After all, […]

October 4, 2016 | By More
Should You Believe a Celebrity Endorsement?

Should You Believe a Celebrity Endorsement?

In a word, personal finances and the world of money are getting more complex by the day!  We all know this, but it was taken to a new level after doing some research on today’s topic – celebrity endorsements.  Is your purchasing behavior influenced by a celebrity endorsement?  Maybe, maybe not.  But, the Federal Trade […]

August 23, 2016 | By More
2015 National Financial Capability Study

2015 National Financial Capability Study

A characteristic of being a money smart consumer and financial leader is keeping on top of trends.  Let’s be honest here.  It can really be a challenge today to remain in step with the massive amount of news and micro/macro events that create or impact trends. The role of data is more important than ever […]

August 2, 2016 | By More

Banking

Pew Consumer Banking Project Website

Pew Consumer Banking Project Website

Last week in our Post Money Smart Tips for Banking in 2017, we provided some important updates on changes coming to the banking industry.  We thought it would be valuable to continue the banking discussion. After all, your bank is in many ways the center of your money lifestyle.  Everything from your paycheck or client […]

January 24, 2017 | By More
Money Smart Tips for Banking in 2017

Money Smart Tips for Banking in 2017

Refreshing your personal finances at the beginning of the year includes your banking activities.  Today, we thought it would be valuable to share some bank reporting resources to keep you updated on what is happening within the industry.  In general, this valuable information doesn’t make the mainstream media outlets.  Plus, we want to provide you […]

January 17, 2017 | By More
Directors’ College Video Series – The Community Reinvestment Act

Directors’ College Video Series – The Community Reinvestment Act

Before you opt out of reading today’s Post, let me give you one reason you need to take five minutes to continue reading. The Community Reinvestment Act (CRA) was created to benefit you – the consumer and business owners.  Let’s be more specific and to the point.  The leading financial partner of money smart consumers […]

July 12, 2016 | By More

Saving Tips & Ideas

Savings Ideas for 2017

Savings Ideas for 2017

There are some truths about personal finances that money smart consumers already know.  It’s the topic of savings.  Every time we identify ways to save money to our bottom line, our checking account increases.  As our checking account increases, our choices increase. And, in the end, the ability to have choices is everything!  In a […]

February 7, 2017 | By More
10 Ideas for Happy Holiday Shopping

10 Ideas for Happy Holiday Shopping

The holidays are right around the corner.  If you haven’t done it already, it’s time to begin planning your holiday shopping strategy.  Today’s consumers are now blending the online and real world shopping experience.  If you are heading out to the retailers, strip malls, and shopping malls to enjoy the Christmas spirit, we recommend following […]

November 22, 2016 | By More
Money Saving Tip:  Take the Time to Ask

Money Saving Tip: Take the Time to Ask

Most of us are always on the lookout for a money saving tip.  Today, we wanted to talk about a daily money life action that, over time, can save money to your budget in a big way.  I must admit, I’ve found the power of asking to be a valuable tactic, even when the savings […]

September 6, 2016 | By More

Money Tips On the Web

Federal Trade Commission – Scams to Avoid on Money Transfers

Federal Trade Commission – Scams to Avoid on Money Transfers

The words identity theft, scams, hacking, malware and the like are unfortunately a part of our daily financial experiences now.  It puts a tremendous responsibility on the money smart consumer to become educated about these issues.  Why?  As good as the systems are that we engage including our banks, online shopping brands, and employers (specifically […]

February 14, 2017 | By More
Savings Ideas for 2017

Savings Ideas for 2017

There are some truths about personal finances that money smart consumers already know.  It’s the topic of savings.  Every time we identify ways to save money to our bottom line, our checking account increases.  As our checking account increases, our choices increase. And, in the end, the ability to have choices is everything!  In a […]

February 7, 2017 | By More
Are You a Middle Class Consumer?

Are You a Middle Class Consumer?

Although today’s blog is short, it shares a resource I think you will find very interesting.  While conducting some research on the topic of the middle class in America, I came across an article on the Pew Research Center website.  It referenced data highlighted in an article it published discussing the continued shrinking of the […]

January 31, 2017 | By More