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New resources each week for the MoneyRight community.

This Week

Savings Strategies For a Large Purchase

Specific strategies for saving for large purchases like a new appliance or a special trip.

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Having a Baby

23 minutes

Get Started

A look at the financial challenges of raising a child.

  • Introduction
    Having a baby is not just a family decision, it's a financial decision too.
  • Babies and Budgets
    How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best rate on any long-term debt, and creating an emergency fund.
  • Paying for the Baby Years
    The non-childcare costs you can expect when having a baby, from cribs to health insurance.
  • Managing Risks
    Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.
  • Children and Taxes
    A review of the tax benefits that can help you manage the expenses incurred with children.
  • Childcare Choices
    An overview of different childcare choices and the financial implications of each.
  • Growing Up - Childhood and Beyond
    A look at the additional costs of raising a child beyond the first few years including the indirect costs.
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Saving and Investing

25 minutes

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Why and how to invest, including how to save money now.

  • Saving and Investing
    The difference between investing and saving, and how to tell what's the best option for your needs.
  • Types of Investments
    The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.
  • Investment Accounts
    The types of accounts available to investors, including both taxable and tax advantaged accounts.
  • Saving for Retirement
    Why save for retirement and the impact of fees on investment performance.
  • Retirement Saving Strategies
    How to develop a comprehensive retirement savings strategy.
  • Retirement Accounts
    An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.
  • Retirement Savings Ideas
    A few simple things to keep in mind when starting a retirement savings plan.
  • Individual Development Accounts
    Understanding the benefits of IDAs, how to qualify, and where to find a program.

Starting a Business

48 minutes

Get Started

Explore the process of starting a new business from estimating start up costs to hiring employees.

  • Is Entrepreneurship For Me?
    Entrepreneurship is the act of starting and running a business, which brings both potential benefits and risks.
  • Conducting Market Research for a New Business
    Market conditions play a crucial role in the success of a new business and involve factors such as consumer demand, competition, and economic growth.
  • Business Start-Up Costs
    Starting a successful new business requires careful planning and budgeting of both one-time and ongoing costs.
  • Writing a Business Plan
    Creating a business plan is a crucial step for starting a new business, whether it is a small home-based operation or a venture-backed tech company.
  • Choosing a Business Name
    Choosing a business name is a critical step in starting a new company since it affects the company's brand identity, customer recognition, plus more.
  • Choosing the Legal Structure for Your Business
    The legal structure of a new business is an important decision with both tax and legal implications, so it's important to choose wisely.
  • Registering a New Business
    Starting a new business involves registering with state, federal and sometimes even local governments.
  • How to Finance a New Business
    Finding capital for a new business can be challenging, but there are a number of options to consider.
  • Business Cash Flow, Profit and Loss
    Understanding a business's financial cash flow and overall profit or loss is critical for ensuring its long-term success and financial stability.
  • Establishing Business Credit
    Business credit is a record of a company's financial history used to evaluate its creditworthiness.
  • Your Responsibilities as an Employer
    As an employer, there are several responsibilities you must be familiar with in order to avoid potential legal issues.
  • Business Taxes
    Understanding and managing taxes are key to every business owner or self-employed individual.
  • Buying an Existing Business or Franchise
    Buying an existing business or a franchise are two options for entrepreneurs looking to start a business quickly. Let’s explore the potential pros and cons of each option.
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Budget Basics

28 minutes

Get Started

From setting goals to paying off loans, the basics of effective budget management.

  • Setting Goals
    Setting financial goals offers the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than how we are.
  • Debt and the Pressure to Spend
    It’s wonderful to have the freedom to buy so many products, but unless you’re rich, the key to happy spending is planned spending.
  • Nudging Yourself Toward Your Goals
    No matter what your financial goal, it's important to have an accountability system in place.
  • Introduction to Budgeting
    Why budgeting is important, no matter how much money you earn.
  • Income and Expenses
    A big part of budgeting is identifying income and listing expenses.
  • Making Sense of Your Budget
    After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
  • Tracking Your Spending
    Tracking your money can be a powerful way to spot unplanned spending.
  • How to Improve Cash Flow
    Cash flow is a key indicator of your financial health.
  • Money Saving Ideas
    Looking for ideas for ways to save money? Almost everyone can find a way to save using at least one of these tips.

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