Holistic Learning Center

In the end you should be able to "objectively" evaluate your current financial situation, compare it to the options that are available to you; and make the "best" financial decision for you and your family (see the diagram below). Along the way you will gain a clearer picture of what each option can really do for you and of the consequences of each option. Things are never as simple as they seem or as some may tell you.

A budget is a very useful tool that is used to direct and control you’re spending and saving.  A budget is used so you can be more aware of your spending habits. Once you complete your budget and net worth statement, you can use them to recognize you’re spending pattern adjust accordingly which will maximize your financial future.

You may find that using credit is a convenient way to handle your day-today financial matters.  Credit is used for small and large purchases, it is quick and easy and since you do not have to carry cash, it is a safe way to make purchases.  The down side is if you do not use credit wisely it will result in financial problems that can be hard to solve.  This module will help you understand the pros and cons of credit so its use will be an asset not a liability.

Welcome to web coordinated holistic learning system for Personal Financial Management. Why do we call this a holistic learning system? Because it is a journey through many different learning activities, such as readings, exercises, discussing financial management tactics with professionals, and completing worksheets, to help you obtain the knowledge, skills, and habits necessary to improve your personal financial position. Finally, it is a journey which requires numerous small 'trips' of learning over a sustained period of time.

Parents are often fearful for their children’s future. Professionals and others who work with children and youth share this anxiety.

The concern of parents and caregivers is understandable. The statistics for suicide, school crime, gang involvement, substance abuse, school drop-out rates, unwanted teen pregnancies, and many other issues send chills down the backs of those who love children. The daily news report validates the reasons for their worry.