Taught by Family Development educators, this program, which has made a difference in people's lives since 1990, has recently been revised and is now available in every New Hampshire county. More than half of Americans believe they don't save enough money. If money is going to debt, it can't be going to savings. By the time this credit card has a zero balance, this person may have forgotten what he or she bought seven years ago.
Time is spent on distinguishing between needs and wants.
What is a need to one person, is a want to another. The money spent on unneeded items could have gone toward savings. Steps taken to limit debt or reduce interest costs will mean more money in a person's pocket. Time is money. The earlier you start saving the more money you will have for emergencies, college education or retirement.