Managing money is not easy, trust me I know and have struggled for years. I got help from a wonderful lady to get myself back on track. I want to share some resources here that may help you.
Tip: Since the word "budget" brings about such dread and negativity in people's mind, there is a move to rename it a spendng and savings plan, because that is essentially what a budget is. And it sounds a little better I guess. 

Step 1: Log your spending

Write down EVERY DOLLAR EVERY CENT YOU SPEND for 30 days. You will be made more aware of where your money is going and can have better control of it. Remember: EVERY PENNY!!!

Protect your identity (and your children’s) when you travelJANUARY 14, 2020 BY MEGHAN HUNTER
Read this great article here:  https://millionmilesecrets.com/guides/protect-your-and-your-childrens-identity-when-you-travel/

IRS Identity Theft Protection Pins- learn more and apply here:  https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin 

Financial Literacy from Annuity.org

In hopes of promoting Financial Literacy, Annuity.org has created, what they believe, to be the most comprehensive, easy-to-read guide on financial literacy on the internet. Their page covers topics such as setting a budget, how to use credit responsibly, planning for retirement and much more. You can check out their guide here:

https://www.annuity.org/financial-literacy/
https://www.annuity.org/annuities/types/

---

2. Debt Snowball Calculator--get out of debt faster. 

Maybe you’ve struggled with credit card debt. Maybe you’re still dealing with student loans, or have a car payment that prevents you from having more margin.
It can feel overwhelming to try and make a plan to pay it all off, especially when money is already tight.
The Debt Snowball Calculator does the hard work for you! All you have to do is enter your balances, interest rates, and minimum payments. The calculator gives you a month-by-month plan to get out of debt faster, and with less interest. Ready to try it for yourself?
USE THE CALCULATOR

Begin building an Emergency Fund

---

Crown Money Map--plot your journey

A 7 step Visual Guide to Financial Freedom; Crown is short for Crown Financial Ministries-- this is a wonderful resource for all to use. While I got these for being part of an online financial management class that I paid for, these resources are also available for free on the internet so I thought I would share them here with others. You can click on the images below or use this link:  https://crownfinancial.lpages.co/mml-money-map-download/

---

Teaching children financial literacy: How this guide can help
Do you want to teach your child the ins and outs of money management, help them establish good credit and encourage financial independence as they grow older? With lessons, resources and interactive games, apps and activities, this guide can help. Each section in this guide is based on the Council of Economic Education’s standards for financial literacy.
​ www.creditcards.com/credit-card-news/financial-literacy-teaching-resources-for-parents-and-teachers/#1