If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you just can’t find money to put into savings, you might need a budget. A budget is not a magic potion that will automatically solve all of your money problems, but it will help you gain financial awareness. That, in turn, will help facilitate more responsible decisions. Here are 6 easy steps to create a budget.

Over the last century, society has made strides toward gender equality on every level, including basic money management. However, there are still significant differences in the way each gender relates to money. Being aware of these differences can help us better build our innate financial strengths.

It’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.

(Woodbury, MN – September 20, 2018) Ideal Credit Union recently hosted two sessions of its award-winning “Money Talks” financial literacy program in July, attracting 42 students from around the metro area. The unique peer-to-peer program, led and taught by high school-age Ideal CU Student Credit Union employees, teaches students the building blocks of personal finance: budgeting, savings and investments, credit, and money management tools. Students in attendance ranged in age from 16 to 22 years and came from a number of local communities, including Champlin, Hugo, Mahtomedi, Little Canada, St. Paul, Maplewood, Oakdale, South St. Paul, Inver Grove Heights, West St. Paul, Cottage Grove, Hastings, Stillwater, Lakeland and more.