|By Marketwired .||
|January 14, 2014 07:04 AM EST||
FORT LAUDERDALE, FL -- (Marketwired) -- 01/14/14 -- One of the most interesting and successful investments over the past few decades for Latinos has been investing in financial education. Many Latino families have been able to gain employment and a steady cash flow, but they have not been able to build wealth due to a lack of knowledge on how to manage debt and use money once it is earned.
Financial education involves learning all aspects of planning one's financial future, including, but not limited to:
- Setting financial goals
- Creating budgets
- Planning for retirement
With an estimated household median income of $38,039, according to U.S. Census Bureau, Hispanics represent a growing and thriving segment of the American population. As more US Hispanics gain access to credit and credit cards that access needs to be coupled with the ability to use credit wisely so that it contributes to an improved standard of living and a sense of confidence about the future.
Below are a few ways that US Hispanics can improve their personal finances, according to Howard Dvorkin, CPA and founder of Consolidated Credit:
- Financial education should not be geared towards quick fix solutions.
To get personal finances under control, it's important to realize that most sustainable financial solutions are long term. Stay away from get rich fast schemes and quick fixes. Learn how to manage debt and use credit to your advantage.
- Credit should be used only in certain situations; however, it definitely has a purpose in a financial education.
There are many ways to use credit properly to increase wealth and no financial education is complete without it. Credit is used to rent cars, buy homes and conduct business.
- Learning how to buy the right types of assets is essential.
Cash is not the only way to build wealth; as a matter of fact, learning how to purchase assets that will hold value over inflation is an essential skill. The right kind of financial education will give you the ability to learn about the assets you can purchase in order to increase your wealth as well as use in a practical ways day to day.
Financial literacy provides people with the knowledge required for managing personal finances responsibly so that it minimizes financial risk and maximizes savings and financial wellbeing.
About Consolidated Credit:
Consolidated Credit (http://www.consolidatedcredit.org) is one of the nation's largest credit counseling and has helped over 5 million people over more than 20 years with financial issues. Their mission is to assist families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.
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