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NATIONAL CREDIT EDUCATION MONTH

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National Credit Education Month in March provides opportunities to brush up on your finance skills. First, check your credit score and find out why it’s necessary to keep a clear credit report. Even more importantly, find out how to improve it.

Financial institutions use credit reporting agencies to verify you are worth the risk of loaning money or opening a credit card. The three major reporting bureaus are Experian, TransUnion, and Equifax. Scores range from Very Poor (300-579) to Exceptional or Excellent (800-850), depending on the reporting agency.

What Affects Credit Scores
  • Amount of debt you carry – Paying off the amount you charge to your credit cards each month helps to improve this amount. Showing that you are reducing debt each month gradually increases your score over time.
  • Age of credit history – The older your credit history (and the longer it is in good standing) shows a trend toward reliable financial status.
  • Reports to collections agencies – Notify the credit agency immediately if you find any inaccurate reporting on your credit report. The sooner you resolve an inaccuracy, the quicker the agency can correct the report. Obtain a letter from the collection agency once you have been able to confirm the error and submit it to all the credit reporting agencies.
  • Late payments – Any time you make a late payment, especially on a credit card or loan, will be reflected on your credit report. Pay early, pay on time. If you use your online banking system to make payments, remember to review your bank’s turn-around time for payments. Take their delays into account and schedule accordingly to avoid any late payments.
  • The number of hard inquiries for credit – When considering a loan for a car or house, remember that each inquiry will be registered on your credit report. When your credit is in good standing, these inquiries do not have as significant an impact on your credit report.
  • The number of accounts – Opening and closing accounts impact your credit score. Depending on the number of accounts, the impact on your score could be huge.

Throughout the month, take steps to learn more about handling credit. Take steps to improve your credit score and gauge how you are doing.

NATIONAL CREDIT EDUCATION MONTH HISTORY

Credit Professionals International and Credit Education Resources Foundation sponsor National Credit Education Month.

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National Financial Literacy Month

National Credit Education Month

National Cash Back Day

National Mortgage Professional Month

National Online Bank Day

National Tax Day

National Cryptocurrency Month

National Homeownership Month

National Financial Crime Fighter Day

National Get Smart About Credit Day

HOW TO OBSERVE #CreditEducationMonth

Credit Education Challenge
  • Guess what you think your credit score is.
  • Find out your credit score by using a free credit monitoring program
  • Calculate the interest of that much-desired item if you plan on charging it or taking out a loan. Knowing the additional cost may sway you to save and pay cash.
  • Correct any errors or tackle any surprises on your credit report right away.

Use #NationalCreditEducationMonth to share on social media.

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NATIONAL VISION BOARD DAY

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National Vision Board Day on the second Saturday in January encourages us to set our goals in a visual way. Get out the sticky notes, markers, and inspiration and start plotting your goals for the new year!

Vision board parties began in 2010 between a group of friends as a way for people to get together in a fun environment to set goals, cast a vision and dream out loud in a tangible way. They then mount on their completed vision boards on their walls where they would see them every day. Seeing their hopes and dreams helps set in motion these visions and ideas to become a reality.

Many actors, musicians, fashion and entertainment-based people have been participating in this since its inception. Vision boards help people remember their goals and concepts on a daily basis.

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HOW TO OBSERVE #VisionBoardDay

Host a vision party for your friends, family or co-workers. Set goals for the coming year and put them where you can see them. They will help motivate you to attain your goals. Do you have a vision board from last year? How well did it work? Share the results and get ready for an outstanding vision board for this year, too!

Post photos using #VisionBoardDay on social media.

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NATIONAL HOUSEWIFE’S DAY

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National Housewife’s Day sets aside November 3rd to recognize the millions of hardworking housewives. The day honors the stay-at-home moms who take care of the children and the home. It’s a 24/7 job that sometimes does not get the thank you that is much deserved.

The term housewife is an old term stemming from the days when most families were supported by one income. The father worked, and the mother stayed home to take care of the house and the children. These days, usually both parents work outside the home. According to the Bureau of Labor and Statistics, in 61 % of households with children, both parents work outside the home.   

The age of the children impacts how much a parent stays home. And it isn’t always the mother who stays home. Sometimes it’s the dad. So, househusbands are on the rise. Cheers to you, too! However, current statistics are difficult to find.

Even so, those who stay home and manage a household have a difficult task. Those who stay home are considered to be domestic engineers, managing budgets, children, and organizing the life of the house.

My mom was a housewife.  We were raised with her involvement and homemade dinner on the table every night.  She also devoted the time to homeschooling when it became obvious public education was failing my younger brother.  We even got home economics of running a house, balancing a checkbook, the value of a dollar and of course baking homemade bread and Christmas cookies.  

As I look around the world today I can see hoe lucky we were.  A two parent home that took the time and effort to ensure that we knew we are loved.  Who gave us the education, to become responsible adults.  Kudos to those who endeavor to do the same.  It is a really important job and anyone who tells you differently has obviously never done it.

HOW TO OBSERVE NATIONAL HOUSEWIFE’S DAY

On National Housewife Day, honor the housewife in your family or a housewife that you know. Use #NationalHousewifesDay to post on social media.