Money Management Help for Millennials- Part 1

What do you think of when you hear the word “millennial”? Most people will roll their eyes and sigh, because millennials are often thought of as the “lost” generation who do not have money management skills. A 2015 study by the Global Financial Literacy Excellence Center at George Washington University found that the majority of millennials don’t have basic financial knowledge, and more than half aren’t happy with their financial situation. Of course, there are some that are better with their money than other generations, but many are prone to money mistakes.

black and white shadow picture of millennials

Problem: Lacking a Basic Financial Education

The biggest trap millennials can fall into is failing to understand common sense money concepts. Many millennials didn’t get a financial education in school because most high schools don’t require students to take a financial course to graduate. With so many resources online, millennials should be able to educate themselves on money management.

Solution: Common Sense Money Concepts

To be able to stop living paycheck to paycheck, or to have a considerable amount of money in your savings/checking account you first need to understand basic money concepts. This isn’t something you can only learn in school, you can learn them on your own. It is important as millennials to understand the basics to help you avoid costly money mistakes that will come back to haunt you in the future.

  • Know how much you make and spend each month – Check your paystub or bank account to see how much is being deposited directly. If you have a credit card, review your statements and make a list of all of your purchases throughout the month. Separate your purchases into three categories- fixed expenses (rent, mortgages, car loans, etc.), variable expenses (credit card payments, dues, subscriptions), and discretionary expenses (entertainment, vacations, restaurant meals). Add each of the categories up and decide whether you have more going out than coming in and what changes you need to make to your spending.collage of words describing millennials
  • Create a spending plan– This is a more constructive approach than budgeting. Creating a spending plan will help you plot out where you want your money to go each month. Figure out what is most important to you. For example, deciding whether to save for a vacation,early retirement or paying for your kids’ college. After this is done, you can align your spending with what you value rather than blowing your money on unnecessary things.
  • Don’t charge more than you can pay off monthly– Nearly 40% of Americans have credit card debt and possess a median balance of $2000. This is where common sense comes in and tells you that you shouldn’t charge more than you can afford to repay. If you carry a balance, you will end up paying more than what you originally charged. Also, keeping your credit card balances low will be good for your overall credit score.
  • Know why your credit score matters– Nearly 60% of Americans don’t know their credit score. However, this three-digit number plays a big role in your financial life. Lenders use your credit score to determine whether to give you credit and the terms of the credit. Having a good credit score can help you have a lower interest rate, which means you will pay your debt off faster.
  • Understand your credit score– If you want to improve your credit score, you need to know what factors cause an impact. FICO is common and score ranges from 300-850. It is calculated from five factors: payment history, amounts you owe, how long you have had credit, types of credit you are using and new accounts. You can see where you stand by getting a free copy of your credit from
  • Negotiate Your Pay– 57 percent of workers never negotiate for a higher salary. However, the majority of the people who do negotiate their salaries get pay increases. You must first make sure you deserve a raise before asking for one.
  • #millennials written in chalk on a chalkboardHave six months worth of expenses in an emergency fund- This is often hard to achieve, but if you are able to set aside as much as possible it will pay off in the end. Having that much money set aside will help you get through a job loss or other financial emergency. The key is to have the money in a separate account. Opening an interest-bearing savings account and setting up an automatic transfer from your checking account will build your fund and the money can be easily accessed when an emergency arises.
  • Save 15% of your income for retirement– If you are saving anything for retirement you are ahead of a lot of people. Start small and work your way up if you can. The earlier you start saving, the better off you will be. If you get a raise, give your savings a raise.
  • Learn the basics of investing– Even if you don’t earn a lot of money, investing your money wisely can help you increase your funds. Be sure to make smart, educated decisions. Place your investments in more than one stock so that if one goes bankrupt you won’t lose all of your money. Always consult a financial advisor.
  • How to choose a financial advisor– You might understand basic money concepts, but it can be hard to create a financial plan on your own. The financial advisor you choose should act in your best interest, rather than someone who just wants to sell you products to generate commission. You can find fee-only planners through the National Association of Personal Financial Advisors.

In the next segment of “Money Management Help for Millennials” we will discuss spending without a plan, a deeper look into money management, how to create a spending plan and the different types of spending.

Jana Hart- Extension Agent- FCS/4-H


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Posted: September 19, 2017

Category: Money Matters, Relationships & Family, Work & Life
Tags: Future, Investment, Millennial, Millennials, Money, Money Concepts, Money Management, Retirement, Saving Money, Savings, Spending, Understanding Money


Robert Watson
April 23, 2020

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April 22, 2020

I appreciate your comments on how depression can be manageable until it is causing weight loss, fatigue, or other more extreme problems that mean it could be a medical illness. I have always struggled with mild depression but have been experiencing some insomnia lately. I might need to look into some treatment methods to help with that.

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April 15, 2020

Depression can be a very serious mental health issue. I think the first step is really understanding your symptoms and that you’re not alone. Cognitive behavioral therapy can be very useful in helping people become aware and change their negative thought patterns

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April 1, 2020

Depression is a common mental health problem that involves a low mood and a loss of interest in activities. Thanks for sharing the information about depression.

Dr. Nazeer
April 1, 2020

Thank you for the information on the management of depression. I think one of the best ways to work through depression if possible is therapy. Sometimes you just need someone to talk to, someone who isn’t going to tell you that you are right or wrong they are just there to listen and offer advice. I will pass this on to a friend of mine who is going through a bit of a rough patch right now.

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February 26, 2020

I am glad you mention that fatigue and loss of energy can be a sign of depression. My sister always seems to be tired and can never stay up with the rest of the family. I think we should look into having her see a mental health therapist to see if they can help her.

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January 16, 2020

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December 19, 2019

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December 15, 2019

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November 18, 2019

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It' like filtering those words you should say. But, choosing the right words not to get offended. Examining the person next to you is important if he/she in the mood or whatever she feels. Ask her/him hows the day be like. Same with a depressed person, you should know the right words when talking.

October 18, 2019

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October 3, 2019

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August 29, 2019

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August 15, 2019

I liked that you said that one thing to consider when you are planning to go snorkeling is to make sure that you check your local laws regarding protected coral reefs. I have been thinking about going snorkeling with my friends and family but I have not been sure which location that we should go to. I will be sure to research specific locations where coral reef snorkeling is legal in order to make sure that we don't break any laws while having a beautiful underwater scenic experience.

Michaela Hemsley
August 13, 2019

I appreciate that you mentioned that research suggests that most people with depression benefit the most from a combination of counseling and medication. My son has been struggling with depression and I am trying to find the best way to help him so that his mental state can improve and he can start living his life again. I think it would be smart to look into mental health counseling as well as getting him on medication so that he can improve in a healthy and steady way.

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July 26, 2019

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May 10, 2019

My co-worker has been manifesting signs of depression lately due to losing her husband. She is constantly crying, having thought of ending her life. I think there is a need for us to recommend her counseling and medication. You've said this two are powerful in helping a depressed individual cope. I hope she considers it soon.

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May 6, 2019

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May 6, 2019

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I have a cluster of seven zebras that stay in the same area of my garden (very shaded and lots of flowers) and was wondering if I can get them to lay eggs if I plant a passion fruit vine. Do they lay their eggs throughout their lifespan?

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April 17, 2019

I think it is very important for young people to day to know and understand the signs of depression. Awareness of our emotional states and thoughts is the first step in taking action to make changes in ones life.

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April 16, 2019

Depression can be a very serious mental health issues. I think the first step is really understanding your symptoms and that you’re not alone. Cognitive behavioral therapy can be very useful in helping people become aware and change their negative thought patterns.

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We are using rain barrels to water our vegetable & flower gardens . I assume this is a help in conservation of our water supply ?

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March 11, 2019

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March 6, 2019

Thanks for the IRA info. I started with Roth contributions early in my career and have switched over to traditional contributions for the upfront tax savings. These retirement accounts are powerful for long-term planners. Although, it's also important to consider what to do when we reach retirement... “Retirement is the world’s longest coffee break.”

February 27, 2019

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February 20, 2019

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January 8, 2019

I have a yellow coconut in Brownsville, Texas. It was planted two years ago when it was about 5 inches tall, and it has never needed to be staked. This fall we had some nights near freezing. After a day of pre-cold front strong south wind, the palm is now a little loose in the ground. The lowest fronds are a deep yellow with brown around the edges, and some of the newer fronds are slightly yellowed at the leaf tips. A new spear is emerging fairly quickly. Should I do anything besides bracing the palm?

Dave Anderson
December 28, 2018

That is really cool that when you wet the soil surfaces and plant canopies then you might have a lower weed presence. That is something that I would want for my lawn to have. Maybe I should get a sprinkler system for my lawn sometime soon to avoid weeds.

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December 6, 2018

Herpetofauna especially the frog rapid disappearance is the global concern. Different aspect of frog is worth reading

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October 21, 2018

Two of our very old sabal palms were torn down recently during Hurricane Michael actually pulled up by the root and laying on the ground I'm trying to save them please help and advise me.. as my husband said it would take a crane to lift one of them up the other one he is willing to help me with please advise ASAP. Thank you so much & I appreciate you reading this and your time

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October 9, 2018

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October 3, 2018

Hi, quite an educative post. Each time I see these frogs I get irritated and tend to flee but I don't flee because I get to see them in my house in the bathroom /toilet, I have kids at home and I usually kill the frogs two or three almost daily and attimes I see it in my room which is rugged and dry so why are they entering my apartment? I saw them twice on my windows trying to gain entry into my parlor and I clean up my toilet /bathroom with hypochlorite solution,I told my husband to check the backyard to see if they are actually breeding there and coming out from there but he too is feeling irritated and said he can't go there, I'm confused as to what to do. I'm Amaka Plateau state, Nigeria.

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September 27, 2018

Well written and informative! Can we receive a source for the following line: "As caterpillars, they eat the leaves which contain a toxin that gives the zebra longwing an unpleasant taste and makes it poisonous to predators."? Thanks!

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September 20, 2018

I have a 4 foot windmill palm that was pushed over by wind in recent storm. I live in upstate SC. I have righted it(in original hole) and supported it with rope. I have not added any soil around it, should I?? Is this sufficient or should I replant it? Thanks in advance for any advice.

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September 7, 2018

It sure got me when you said that rats are dangerous because they carry at least ten diseases, like the bubonic plague, ratbite fever, rabies, and Leptospirosis. Of these, my sisters are scared of the bubo the most since they read it in a history book, and they know the illness comes from rat fleas. That is why I will hire a rodent control expert to check the house soon. If they ever see the rats, it will be chaos.

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August 30, 2018

I thought it was interesting that depression was more common in adults than children. I'm taking the required health class in college, and we've been discussing depression. Thanks for teaching me more about it and ways to get help with it.

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August 20, 2018

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August 9, 2018

To make you healthy and sensitive all the time, take the healthy food to increase body and memory power. For doing all work, need fresh mind and sense otherwise, we will fail in all situation.

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August 1, 2018

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July 28, 2018

Interesting perspective, Brandon Reich. Thank you for making me think more about eliminating Cuban tree frogs from our property.

July 27, 2018

I think the concern is that the Cuban tree frog population is taking over and killing off all the native Florida frogs. Having lived in Florida my entire life, I never see any native frogs anymore and I used to see them all the time. Now I only see the invasive ones. This is just my experience and understanding, as I'm sure the experts in the field could better comment.

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July 15, 2018

Thanks for sharing this very helpful and informative article. I think that we should really be ready before and after the storm. I think having a checklist of the things needed is a good idea. I also believe that it is important that we always make sure that we have enough stock of food and water before the storm comes.

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July 15, 2018

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July 4, 2018

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June 29, 2018

Great article. Thank you for including counselling as a suggested treatment. Too often this form of therapy if overlooked in favour of medication. As a Psychotherapist I have helped may patients with mental illness seeking treatment for depression. How Psychotherapy differs from medication is that it treats the cause rather than the symptom. A Psychotherapist uses the thoughts, images and feelings that pass through your mind, as well as your relationship with a person, to discover patterns that give clues about psychological conflicts of which you are not aware, especially issues that are related to experiences early in life such as during childhood. By making you aware of these 'unconscious' conflicts, you can deal with them and resolve issues that cause depressed moods.

June 24, 2018

Thanks for the info. We are about to release a zebra longwing that just hatched!

Brandon Reich
June 6, 2018

I would like for you to consider the following. I have lived in Florida my whole life. The Cuban tree frog was always part of my environment and I am almost 60. I grew up mostly in Miami. I suspect but cannot confirm that they have been around for at least 100 yrs. at what point does a non native become native? When do we acknowledge the benefits of a species? What is said about the Cuban tree frog negativity can be said about our native frogs. They make noise, can disrupt electrical, pee on you etc. telling people to kill these useful creatures I believe is irresponsible. They eat an incredible amount of mosquitoes and other pests. I feel that with changing climates there will be a lot more migration and we should entertain the idea that this is natural. That a species that thrives in urban environments is a plus. Humans done more damage to native ecosystems than any exotic. Domestic pets like cats have all but decimated the sparrow population in south Florida. When I was a child they were everywhere. I don’t see anyone suggesting we euthanize cats or dogs. I think the old way of looks bf at exotic animals needs to be modernized to take into account human and climate changes. Leave the Cuban tree frog alone.

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May 27, 2018

Very informative! As with most things in life, depression treatment and its effectiveness, really depends on the individual.

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May 21, 2018

I like this site very much so much fantastic information for health. Encourage children to eat vegetables and fruits by making it fun. Provide healthy ingredients and let kids help with preparation, based on their age and skills. Kids may try foods they avoided in the past if they helped make them. The pros and cons of the convenient foods and the additional tips you have highlighted in this post are superb for any person interested in living a healthy lifestyle.

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May 19, 2018

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May 17, 2018

My Bismarck Palm was damaged during Hurricane Irma last year. The frond coming out of the heart at the time was blown over and turned brown. Many other fronds were damaged. There are still at least 6 fronds left on the tree that are green but no new fronds since the hurricane in Sept. 2017. If the damaged center frond remains on the tree hanging over and dead will new fronds grow from the center? How will I know when the Bismarck is dead? If all of the remaining fronds turn brown, should I assume the dead or should I give it more time? Would hate to see it go!! Thank you for the information.

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J. Johnson

May 10, 2018

Hi Mina, I will talk to our specialist and get back with you as soon as possible. Thank you so much for reading our blog! :)

Barry Dawghoused
May 10, 2018

Nice post. It is very hard to talk about difficult things to the children because it may create a negative thought in their mind. Your guide can help lots of parents to handle such situations. Thanks!

Mina McEvoy
May 5, 2018

My 15' Bismarck palm was badly wind-lashed during Hurricane Irma, and several lower leaves were torn loose. The palm bud appears to be fine and the upper leaves are fine as well. It is the lower half of the palm that concerns me. Although the leaves remain green, they look very droopy. Is there anything I can do to relieve what I assume is stress? Thanks in advance for any assistance you can provide. I appreciate your efforts with this blog.

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March 31, 2018

I didn't realize that rats would only be active in the daytime if there are a lot of them or if there isn't enough food for them. I have been noticing some in the house that I am refurbishing, but I didn't think it was a very big deal yet. Now I know I better look into rat removal services sooner rather than later.

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March 25, 2018

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March 21, 2018

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J. Johnson

March 1, 2018

Yes, we are using Wordpress :)

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February 27, 2018

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J. Johnson

February 20, 2018

Hi Bruce, I am contacting our expert and will get back with you asap :).

February 19, 2018

My palm tree crown was blown over at a 90 degree angle during Hurricane Irma last September in central Florida. Is there anything I can do to save the tree? All the fronds still look healthy.

February 4, 2018

With fast-acting fertilizers, some nutrients are washed away with watering or rain, and the wasted fertilizer pollutes ground water supplies.

January 31, 2018

Encourage children to eat vegetables and fruits by making it fun. Provide healthy ingredients and let kids help with preparation, based on their age and skills. Kids may try foods they avoided in the past if they helped make them.

January 31, 2018

Note that the minimum requirement for treating reclaimed water is secondary treatment in Florida, although many treatment plants use tertiary treatment. Treated, or "reclaimed," water then flows out of the wastewater treatment plant and is piped back to the community for its intended use.

January 31, 2018

Only qualified line-clearance arborists should work near electrical utilities damaged during the storm. Trees can uproot underground utilities and tear down power lines during hurricanes. The combination of electrical wires and floodwater creates an extremely hazardous environment. Line-clearance arborists alone are qualified to work on these grounds.

January 31, 2018

The best way to prevent roaches from entering your home is to exclude them by sealing all cracks in your foundation, repairing all water leaks, keeping your house clean of crumbs, spills and clutter, and your trash and recycling receptacles sanitized. However, regular pest control from professionals like those at Hulett should also be considered to keep roaches away from your home and family.

January 30, 2018

Anyone who has ever made a meal probably knows the importance of herbs and spices. They add texture, flavor, aroma, color and are basically the soul of a dish. Herbs are not necessarily overpowering and strong and spices does not mean the food is hot or spicy. Both herbs and spices can be paired together to create a symphony of flavors. You need not be limited to conventional pairing, think beyond the salt shaker and cook with herbs and spices. It is easier to cook if you understand your ingredients and the subtle and sometime not so subtle difference between them.

January 30, 2018

Worrying about your finances is common in the workplace but for millennials , it s even more pronounced.

January 30, 2018

Information regarding the benefits of exercise , even with diabetes, and expert advice on being active.

January 30, 2018

These simple safety reminders can help you and your family be better prepared for Florida s winter weather events.

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January 24, 2018

Thank you so much for letting me know there was an issue. I am fixing it now :).

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Thanks for the tips about Herbs and Spices miss Johnson. Cheers.

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January 3, 2018

Most common means of extermination professional pest controllers go with is spraying disinfectants and ultrasound systems, however, those are hardly effective for complete proofing of your property for any future potential rodent threats. I'd resort to more traditional measures of prevention, such as cleaning up all the clutter and debris you have both in your house and garden/yard. Any object that is lying around can potentially turn into a haven for rats or mice, such as newspapers, bottles, boards, anything. And when it comes to the garden, my personal best tip I've learned through lots of trying is to avoid mulching. I know it's a very good method to keep plants warm but I found rodents really like to use it for nesting. Regards, Ethan Wilkins,

January 2, 2018

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December 31, 2017

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November 7, 2017

Debbie, I have spoken to a Dr/Professor at the University and he is requesting a picture of the frog to be able to specifically identify it and the action needed. Please email me a picture of the frog in question so i can forward it to him.

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J. Johnson

November 7, 2017

Geoffrey, the IT department said they need a screenshot to be able to address the issue. Please send a screenshot to my email. Thanks!

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Hi Debbie, I am contacting a specialist to see what steps you need to take. As soon as I get a reply, I will let you know. :)

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November 7, 2017

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November 6, 2017

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September 28, 2017

According to the expert: To some people, petioles are stems. In this case, the leaves can simply be cut off near their origin. If a true stem or trunk is broken, it should be cut as low as possible to the ground. If the fishtail palm is a single-stemmed species (not common in FL), then make sure that they also have the stump ground out after cutting the stem off. This is to prevent ganoderma from moving in on the stump and from there it could move into living palms. That holds for the removal of any palm for any reason. Unfortunately, we can't grind out the individual stubs of clustering palm species that may have been cut out and thus, ganoderma often invades the clump via these stubs and eventually kills off the living stems.

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What about fishtail palms. How low should I cut the broken stems?

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J. Johnson

September 26, 2017

Your palm can be straightened and guyed securely to prevent movement. This will allow new roots from the base of the trunk to eventually (about a year or so) support the palm .

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J. Johnson

September 25, 2017

Hi, thank you so very much for reading my post. I am not an expert, so I have passed your concern along to an expert at the University and will get back with you as soon as I get a reply.

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