Author: Mark Anthony Cruz
Graduation Season: Planning for College Expenses
🎓 Graduation is Exciting—College Bills Are Not. Plan Now. Graduation season is full of celebrations—but let’s not forget what comes next: college expenses. Planning ahead means fewer surprises and smarter choices. Here’s where to start: đź“‹ Know the Real Costs Tuition is only part of it. Factor in housing, books, transportation, and food. Check your […]
Posted by Mark Anthony Cruz in College, Financial Wellness, Uncategorized.
4 Ways Parents Can Teach Kids About Money
Raising Money-Smart Kids: 4 Financial Lessons Every Parent Should Teach Teaching your child about money isn’t a one-time talk—it’s an ongoing conversation. Start early and lead by example. Here are four practical ways to build financial literacy at home: Give an Allowance—with Responsibility Let kids earn money through chores and teach them how to divide […]
Posted by Mark Anthony Cruz in Uncategorized.
Understanding Credit: A Beginner’s Guide for Teens
Credit Confidence Starts Here: What Every Teen Should Know If you’ve never thought about credit, now is the time to start. Good credit helps you get better interest rates, land an apartment, and even get a job. Here’s what you need to know: đź’ł What Is Credit? It’s your ability to borrow money—and pay it […]
Posted by Mark Anthony Cruz in Financial Wellness, Uncategorized.
Career Spotlight: How Financial Literacy Opens Doors
Want a Better Career? Master Money First! Money skills don’t just help you manage life—they help you build it. Financial literacy isn’t just about budgeting—it’s the key to career success. Here’s why: đź’Ľ Salaries Mean Nothing Without Smart Money Moves – A high paycheck won’t help if you’re drowning in debt. Knowing how to save […]
Posted by Mark Anthony Cruz in Financial Wellness, Uncategorized.
5 Simple Budgeting Tips for Teens and Parents
Smart Spending Starts Now: 5 Easy Budgeting Tips Budgeting isn’t about restriction—it’s about control. Whether you’re a teen managing a summer job paycheck or a parent guiding your child’s financial future, these five simple tips will help you stay on track. 1️. Track Every Dollar – Know where your money is going. Use a budgeting […]
Posted by Mark Anthony Cruz in Uncategorized.
Want Free Money for College? Here’s How to Secure Scholarships
Here’s the truth: Scholarships can be life-changing, but most students don’t take full advantage of them. If you’re serious about college but don’t want massive student debt, let’s get to work. Start Early & Stay Organized Scholarship deadlines sneak up fast. Keep a spreadsheet with deadlines, requirements, and submission links. The sooner you start applying, […]
Posted by Mark Anthony Cruz in Uncategorized.
Building Black Futures: Financial Empowerment for Our Community (Black History Month Special)
Our Legacy, Our Future: Taking Charge of Financial Empowerment Black history is filled with trailblazers who overcame obstacles to create opportunities for future generations. Now, it’s your turn to build a strong financial future. Here’s how financial empowerment strengthens both individuals and communities: Knowledge is Power The more you know about managing money—saving, budgeting, and […]
Posted by Mark Anthony Cruz in Uncategorized.
Why Financial Literacy Matters for High School Students
Let’s Talk Money: Why Financial Literacy Should Be Your New Superpower Listen, I get it—money management might not sound exciting, but it’s one of the most important skills you can develop right now. Trust me, understanding how to handle your finances while you’re young will make a huge difference in your life later. Here’s why: […]
Posted by Mark Anthony Cruz in Financial Wellness.
New Year, New Goals: 3 Financial Habits to Start Now
Get Organized and Take Charge: Build These Financial Habits for Success As we kick off 2025, it’s time to focus on setting goals and creating habits to set you up for success. Whether you’re a student saving for the future or a parent guiding the way, here are three straightforward financial habits to put into […]
Posted by Mark Anthony Cruz in Financial Wellness.