Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Money

Consider the Gift of Debt Freedom in 2018

A recent poll of 1,155 American adults found at CreditCards.com revealed that only 53% planned to buy Christmas gifts that cost $50 or more this year. And it wasn’t only those with modest incomes who were planning to cut back on spending.  According to the survey, 44% of those with annual household incomes of over […]

REVIEWED BY: Reviewed by: Candace J. Heer, Family and Consumer Sciences Educator, Ohio State University Extension, Morrow County

Financial tips at the end of the year

The end of the calendar year is a perfect time to review our financial lives of the past year and make plans for the new year. I have used the following four websites in my research and for my undergraduate personal finance course at OSU, and organized them into four steps. I hope you find […]

WRITTEN BY: Cäzilia Loibl

REVIEWED BY: Amanda Woods

Rethink Your Holiday Drink Budget (Part 2 of 3)

Specialty holiday coffee drinks are not just loaded with calories, but they can be very costly as well. For instance, a medium (16 oz.) holiday coffee beverage from Starbucks costs $4.95, according to the Starbucks phone app. It is estimated that Americans spend $40 billion on coffee each year. The average price of an espresso […]

WRITTEN BY: Amy Meehan, MPH, Healthy People Program Specialist

REVIEWED BY: Amanda Woods, Healthy Finances Program Specialist

SOURCES:

  • Harvard School of Public Health. "Coffee by the Numbers." https://www.hsph.harvard.edu/news/multimedia-article/facts/
  • National Coffee Association. "Daily Coffee Consumption Up Sharply." http://www.ncausa.org/Portals/56/PDFs/Communication/NCA_NCDT2017.pdf?ver=2017-03-29-115235-727

Tattoo You

My sister got a small heart tattoo on her chest when she turned 60. She “unveiled” it at the pool when we were in Florida on a big family vacation. The first words out of my mouth were “I’m going to tell Mom.” I was just kidding, but I have to admit I was a […]

WRITTEN BY: Donna Green, Family and Consumer Sciences Educator, Ohio State University Extension, Erie County

REVIEWED BY: Candace J. Heer, Family and Consumer Sciences Educator, Ohio State University Extension, Morrow County

PHOTO CREDITS:

  • http://search.creativecommons.org/

SOURCES:

  • https://www.creditdonkey.com/tattoo-statistics.html
  • http://www.sciencedirect.com/science/article/pii/S1047279711002870
  • https://www.ncbi.nlm.nih.gov/pubmed/22153289
  • http://tattooconnection.net/blog/statistics/
  • http://www.pewresearch.org/fact-tank/2008/12/09/tattooed-gen-nexters/
  • http://www.theharrispoll.com/health-and-life/Tattoo_Takeover.html
  • http://www.inkedmag.com/10-reasons-people-get-tattooed/

Where to Keep Your Valuable Records

Most households accumulate papers and records that are important to them but many people do not know the best way to store them. There are two common types of household record storage: at home and a safe deposit box. At Home Most of your records will be kept at home. Paper documentation remains the comfortable […]

WRITTEN BY: Kathy Michelich, Family and Consumer Sciences Educator, Ohio State University Extension, Warren County

REVIEWED BY: Candace J. Heer, Family and Consumer Sciences Educator, Ohio State University Extension, Morrow County

SOURCES:

  • The Federal Trade Commission
  • 10 TopReviews

Got Money?….for College

With one son in college, one in his senior year of high school and a daughter in 8th grade, the topics of college and money come up a lot in my house. From a young age, we have always been very open about finances with the kids. We have discussed various financial issues and concepts […]

WRITTEN BY: Misty Harmon, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Perry County

REVIEWED BY: Shannon Carter, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Fairfield County

PHOTO CREDITS:

  • Pixabay. Found at: https://pixabay.com/en/puzzle-money-business-finance-2500328/

SOURCES:

  • Flay, B. (2017). How to Pay for Your Children's Education. Debt.org. Found at: https://www.debt.org/students/parents-pay/
  • Ramsey, Dave. College Funding and Your Retirement. Found at: https://www.daveramsey.com/blog/college-funding-and-your-retirement
  • Federal Student Aid, The U. S. Department of Education. Found at: https://fafsa.ed.gov/
  • Johnson, Mia. 2017, October 2. 12 Myths about the FAFSA Form and Applying for Financial Aid. Home Room, The Official Blog of the U.S. Department of Education. Found at: https://blog.ed.gov/2017/10/12-myths-fafsa-form-applying-financial-aid/?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term
  • Press Office. The U.S. Department of Education. 2017, October 3. 2018-19 Free Application for Federal Student Aid (FAFSA) Opened Oct. 1st. Found at: https://www.ed.gov/news/press-releases/2018-19-free-application-federal-student-aid-fafsa%C2%AE-opened-oct-1
  • National Center for Education Statistics. College Navigator. Found at: https://nces.ed.gov/collegenavigator/
  • Wang, M. 2012, October 4. No Income? No Problem! How the Gov't is Saddling Parents with College Loans They Can't Afford. ProPublica. Found at: https://www.propublica.org/article/how-the-govt-is-saddling-parents-with-college-loans-they-cant-afford
  • Flay, B. (2017). Students and Debt. Debt.org. Found at: https://www.debt.org/students/
  • Open Education Database. Found at: http://oedb.org/advice/hacking-financial-aid-33-ways-to-get-money-for-college/
  • Federal Student Aid, The U. S. Department of Education. Found at: https://studentaid.ed.gov/sa/prepare-for-college/choosing-schools/consider/costs
  • Next Gen Personal Finance and McKinney. Found at: https://www.timeforpayback.com/
  • Martin, A. & Lehren, A. W. 2012, May 12. Degrees of Debt: A Generation Hobbled by the Soaring Cost of College. The New York Times. Retrieved from: http://www.nytimes.com/2012/05/13/business/student-loans-weighing-down-a-generation-with-heavy-debt.html?pagewanted=all
  • Edvisors Financial Aid Newsletter. Found at: https://www.edvisors.com/plan-for-college/advice-for-parents/mistakes-that-affect-aid-eligibility/

REFERENCES:

  • Flay, B. (2017). How to Pay for Your Children's Education. Debt.org. Found at: https://www.debt.org/students/parents-pay/
  • Ramsey, Dave. College Funding and Your Retirement. Found at: https://www.daveramsey.com/blog/college-funding-and-your-retirement

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