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Sparklers

Youth Savvy

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Welcome to our website where we aim to empower teens and young adults with everyday knowledge about finance, economics, life skills, career, college life, and lifestyle as they venture into the adult world. Stick with us to become savvy and learn some important life skills.

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Professional Emails

Writing emails is one of the best methods of contact especially in a work or business setting. When writing emails always be professional...

How to be College Savvy

These are some things to be familiar with as you leave home for college: How to self-advocate - It is very important to start taking the...

What is the FAFSA?

FAFSA stands for Free Application for Federal Student Aid. It is a form filled out by current as well as incoming college students in...

Self-care is important

Everyone is leading very stressful lives whether at work, at home, or at school and college. There is always an assignment to finish and...

Pick your friends carefully

They say show me your friends and I will show you your future. It is important to choose our friends, people, and partners carefully. Do...

What is a FICO Score

A FICO Score is a credit score created by the Fair Isaac Corporation (FICO). It is a three-digit number based on the information in your...

How to receive a FICO Score

It will take at least six months of using credit to meet the criteria to receive a FICO Score. As you enter the adult world, you will...

What is APR

APR stands for Annual Percentage Rate. It is as the word suggests the annual rate of interest that is charged to borrowers. A good APR...

Effective Time Management

With all our busy schedules, classes and extra curriculars, it is very important to have good time management skills. How do you manage...

Federal Reserve System

The Federal Reserve System is the central banking system of the United States of America. It was created on December 23, 1913 by the...

Interest rates and Inflation

When interest rates, the interest paid on a loan, are low the economy grows, as people are usually borrowing money, buying houses and...

What is Anxiety?

Everyone gets anxious about things that happen in their lives. Will I pass that important exam that I have been studying for? Will I make...

Stress Management

We all suffer from stress in our lives, in our workplace, at school, in relationships or at home. It is part of life and it can not be...

What causes Inflation?

Inflation happens when prices go up and you just can't buy the same things with the same money as before. For example in 1950's your...

What is Inflation?

When we talk about Inflation it is basically when the prices of goods and services go up. The more prices go up the more the value of...

What is a Budget?

A budget is a written plan for spending your hard earned money. It is something that should be done every month once you have some money...

The Banking System

What is the banking system? A banking system is a group of institutions that provide financial services such as accepting deposits from...

What is E-commerce?

E-commerce stands for Electronic commerce which means the buying and selling of goods, products and services using the internet. This...

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