Financial and Consumer Advocacy
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Financial and Consumer Advocacy
View as slideshow Saving Money Beware these common money missteps: It's easy to fall into the trap of saving only to have it cost more weeks, months, or years later. It's essential these days to have an emergency fund. Financial experts say you need six months' to one year's worth of expenses.
Greed is a particularly ugly sin. While there are positive characteristics of pride, or even envy, it’s almost impossible to use greed in any way that isn’t an insult. It conjures images of fat cat CEOs hoarding millions, while their workers earn minimum wage.
In some countries, tipping is not required or expected (in most situations) - China, Korea, Switzerland, Australia, Belgium, and Brazil are just a few examples. And if you tip in Japan, you may actually be insulting the person you give money to.
The counterfeit goods business is a big problem, so big that it's valued at $461 billion as of 2013. Knockoffs are everywhere, and can be found in almost every product line. It's not just watches and purses, but razor blades, laundry detergent, cosmetics, toys, medications, and even fish, wine, and milk.
Travel
Whether you're traveling for a much-needed vacation, a business trip, or just want to see family and friends, you cannot presume that everything is going to go off without a hitch once you reach your destination.
For those looking to get away from it all, the last thing some people want to do is go to a place packed with people and fast-paced activity. Even a beach holiday, which sounds relaxing, can become a nightmare when you're surrounded on all sides with sunbathers, loungers, towels, coolers, and volleyball games.
When it comes to vacation benefits, America is in poor shape. According to the Hotels.com " Vacation Equality Project," America is the only advanced economy in the world that does not guarantee paid vacation days.
Parenting and Children
Single parents are challenged with finding ways to cut costs wherever they can, and that reaches into so many aspects of everyday life. Today, one of the trickiest challenges I am faced with is how to keep my kids entertained on a budget.
Having the grandkids over is great. It can also be expensive. A trip to the movies for a family of four can easily set you back $80 or more after the tickets and snacks. Entrance fees to water parks and amusement parks are just as expensive, and even a meal at a local restaurant can empty your wallet.
(c) Rohappy / iStock.com Your kids are constantly being pressured to waste money. Advertising, microtransactions in "free" games, peer pressure, and even hidden product placements on TV are all programming your children to become indiscriminate consumers. This is why you must teach your kids the value of money from an early age.