Once you have a better sense of how and why you spend your money, you can work towards a Smarter Buying Process. This requires you to take what you’ve learned about your habits and triggers and use that information to make smarter purchasing decisions. We’ve broken down this process below:

Financial Beginnings is a national 501(c)(3) nonprofit that empowers youth and adults to take control of their financial futures. Their educational programs incorporate all aspects of personal finance to give individuals the foundation they need to make informed financial decisions. Financial Beginnings reaches more than 200 K-12 schools and colleges and more than 100 community-based organizations annually, serving all groups with special focus on populations most in need. For more information, visit www.financialbeginnings.org.