Personal Finance


Read Our Latest Personal Finance Article:

Alternative Finance Learning For 2019 And Beyond


From cash to credit to crypto, this world revolves and involves around currency. Some have hopes and dreams of working until they save or get promoted to have a comfortable amount in their savings account. There are many entrepreneurs who have additional personal desired work in addition to their regular 9-5. There are small businesses, entrepreneurs and startups who work independently from bigger businesses. And of course, there are those who are comfortable with the income that they receive. But at the end of the day each of these individuals need money to live.

…there are those who are comfortable with the income that they receive…

It is argued that finance should be incorporated in high school as a core, or home -ec (home economics) course for teens to learn about early on. Instead, teens are offered credit cards as soon as they are 18 by mailed advertisements or from the bank when they first establish a bank account. Credit card issuance with many young adults not knowing about finance, interest rates, or payment agreements. We could say that this is unfair, or not, and the parents should be the ones to teach their children. BUT there are many adults who simply cannot because of their own limited knowledge. Do not believe me? Google “personal finance” and see just how many articles there are available targeting adults. Available, and yet still intimidating.

My first job was in retail working at a department store making minimum wage, (maybe $7 and change if I remember correctly) and soon after receiving the first few checks that barely covered transportation to and from work, and that’s not including food. Due to my limited, sometimes only 3 hour, shifts a few days out the week I learned quickly that money makes the world go around and I could not continue working where I was at. A friend then suggested that I apply for the bank where she worked. I wanted a higher paying job, so I studied the company like it was an exam. Which I always have prior to interviews to give me the confidence (and advantage ) that I knew more about the company than other potential candidates. Therefore, in the interview I answered questions impressively, responded with great questions of my own, spoke of the importance of banking in the world that we live in, as well as I spoke of company history that even my interviewers were surprised that I knew (and sometimes would tell me they didn’t know about that company history or information themselves). Striking? Very much so.

I began to lean a whole lot about finance from the start of getting hired, and in my 8 year career I understood that a lot of fundamentals were simply not understood by clients. Even when tellers, bankers, and financial planners would talk to clients I knew that it sounded like “bank jargon” from there expression or eagerness to end the discussion. Advancing through promotions my vocabulary from corporate training courses increased buy the understanding from the general public did not.

…a lot of fundamentals were simply not understood by clients.

On the finance section of this website, as well as the articles that will be published on the blog, information will be shared to guide you to continuous personal finance development. I before I started working as a freelance creative I left banking in my final position as a Personal Account Advisor/Personal Banker. And, though my career in banking is in the past I still use what I learned over those 8 years and I continue to read books, blogs, watch vlogs, and keep updated with current financial trends.

Learn to be motivated and not to be intimidated because before the big dreams of complete financial stability, or freedom comes into fruition, understanding the basic knowledge of finance (money/currency/credit) is key.

Best Regards,

Kadesh Carter

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