credit – Money Instructor

What Moody’s U.S. Debt Downgrade Means for Your Money, Seniors, Savings, and Social Security

Learn what the 2025 Moody’s U.S. debt downgrade means for credit, your wallet, your retirement, and the future of Social Security. Get clear, simple answers about how rising national debt affects you and what to watch out for. In today’s news update, learn how the U.S. credit rating downgrade affects your daily life, savings, seniors, … Continue reading What Moody’s U.S. Debt Downgrade Means for Your Money, Seniors, Savings, and Social Security

Debt & Credit, Economy & Politics, Investing and Financial Planning, Retirement
basics, credit, debt
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The Truth About Payday Loans: How They Really Work

What is a payday loan? Learn how payday loans, cash advances, and online lenders really work and why they often leave borrowers paying far more than expected. Discover the hidden fees, debt traps, and smarter alternatives to avoid financial disaster Payday loans might seem like a quick fix, but they come with high fees, skyrocketing … Continue reading The Truth About Payday Loans: How They Really Work

Debt & Credit, Financial Planning, Personal Finance
advice, basics, credit, debt, tips
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Surviving Higher Prices and Interest Rates: What to Do Now

Learn why the Federal Reserve is keeping interest rates higher for longer and how rising prices and inflation impact your loans, savings, and budget. Get clear, actionable advice to navigate borrowing costs and protect your financial future. In today’s update, discover how the Federal Reserve’s decision to keep interest rates high will impact your finances, … Continue reading Surviving Higher Prices and Interest Rates: What to Do Now

Budgeting, Debt & Credit, Economics, Finance, Financial Planning, Investing and Financial Planning, Retirement, Saving Money
advice, basics, credit, debt, mortgage, saving money, tips
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The Basics of Loans Explained – Simple Beginner’s Guide

What is a loan? Learn what loans are, how they work, and how interest rates impact your repayments. Understand how to choose the right type of loan or credit card, whether it’s student, personal, or secured, and avoid common financial pitfalls. This guide will help you understand what loans are, how they work, and what … Continue reading The Basics of Loans Explained – Simple Beginner’s Guide

Debt & Credit, Financial Planning, Investing and Financial Planning
advice, basics, beginner, credit, debt, tips
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How to Use the Debt Snowball Method to Pay Off Debt Fast | Beginner’s Guide

Learn how the Debt Snowball Method can help you pay off debt quickly and build financial momentum. Discover practical steps to list your debts, make payments, and stay motivated. In this guide, you’ll learn about the Debt Snowball Method, a powerful strategy to pay off debt fast by focusing on small wins. Discover how to … Continue reading How to Use the Debt Snowball Method to Pay Off Debt Fast | Beginner’s Guide

Budgeting, Debt & Credit, Financial Planning, Investing and Financial Planning, Saving Money
advice, basics, beginner, credit, debt, saving money, tips
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Credit Cards vs. Debit Cards: Which is Right for You? A Simple Guide for Beginners

Learn about the differences and advantages of credit and debit cards, including tips on choosing the right one for your financial habits and how each can affect your financial health. Dive into the differences and functionalities of credit and debit cards to enhance your financial understanding. This guide highlights how debit cards help manage spending … Continue reading Credit Cards vs. Debit Cards: Which is Right for You? A Simple Guide for Beginners

Budgeting, Debt & Credit, Financial Planning, Investing and Financial Planning, Saving Money
basics, beginner, credit, debt, tips
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How to Improve your Credit Score

Learn proven steps to help increase your credit score with practical tips on bill payments, credit report accuracy, and credit diversity for better financial health. How to Improve your Credit Score How to Improve your Credit Score Here we’re diving into how to improve your credit score. Whether you’re applying for your first credit card, … Continue reading How to Improve your Credit Score

Debt & Credit
advice, basics, credit, tips
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APR Explained: How Does Your Credit Card Interest Work?

What is APR on a credit card? Learn how APR (Annual Percentage Rate) influences credit card interest, its compounding effects, and strategies for smart credit card use. APR Explained: How Does Your Credit Card Interest Work? APR Explained: How Does Your Credit Card Interest Work? Here, we’re diving into a topic that might sound a … Continue reading APR Explained: How Does Your Credit Card Interest Work?

Debt & Credit
basics, credit
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Compound Interest Trap of Credit Cards and Loans

Learn the pitfalls of compound interest and how it can silently ensnare you in a web of mounting debts if not navigated wisely. Compound Interest Trap of Credit Cards and Loans Compound Interest Trap of Credit Cards and Loans A financial concept that’s often praised when it comes to growing wealth is compound interest. However, … Continue reading Compound Interest Trap of Credit Cards and Loans

Banking, Debt & Credit, Investing and Financial Planning
advice, basics, credit, tips
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How to Read a Credit Card Statement

A guide on understanding your credit card statement, covering everything from billing cycles to interest charges. It’s an essential resource for anyone looking to effectively manage their finances, ensuring timely payments, and maintaining a healthy credit score. In this informative video, we delve into understanding how to read a credit card statement, a crucial skill … Continue reading How to Read a Credit Card Statement

Banking, Debt & Credit
basics, credit
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Building and Maintaining Credit | Tips

Learn important tips on how to build credit by using credit cards and loans responsibly, how to maintain good credit by making payments on time and keeping credit utilization low, and how to monitor credit reports to ensure accuracy.

Debt & Credit
advice, basics, beginner, credit, debt, tips
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What is a Credit Score?

Here we present credit scores explained in an easy to understand way. Understanding your credit score is crucial for managing your finances, whether you’re just starting to build credit or have been doing so for a while. A credit score is a number that represents your creditworthiness to lenders. Lenders use it to determine loan … Continue reading What is a Credit Score?

Debt & Credit, Financial Planning, Saving Money
advice, basics, beginner, credit, tips
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Money Instructor® provides comprehensive resources that empower young people and adults with practical knowledge and skills in money management, investing, business, and the economy. Our resources include engaging lesson plans, interactive lessons, worksheets, informative articles, and more.

We aim to support teachers, parents, and individuals in teaching and reinforcing basic math, reading, vocabulary, and other critical skills while also providing essential financial education. Our goal is to help everyone, regardless of their background or financial knowledge, gain the confidence and skills to make informed financial decisions and achieve financial success.

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