Monday, August 14, 2017

Teaching Financial Literacy Part 2: Financial Resources

This is the second post in my 'Teaching Financial Literacy' series and today I'd like to address my former personal finance students! You can also listen to a podcast interview where I address my experiences teaching personal finance HERE

Hey Kids,

Do remember when you were in SPFC (Senior Personal Finance & Citizenship) and didn't know if you'd ever use the information we were learning? Well, many of you have reached out to me since you've graduated and are now in the 'real world', navigating this 'adulting' thing! You've shared your successes with me (renting your first place, voting, opening up a checking account) and have also asked me to provide a list of resources we used in class! This post is for YOU! And just like I wrote on the last page of your final exam, "I'M ROOTING FOR YOU"! Keep in touch!


Miss Rush

Practical Money Skills  (Helpful Financial Calculators)
If you are thinking about buying a car, taking out a loan, saving for a big-ticket item, or want to compare interest rates, this is my FAVORITE source to play around with various calculators.

Better Money Habits Videos (Great Refresher Videos)
These videos from Bank of America in partnership with Khan Academy provide a great overview of a variety of financial topics. Watch them to refresh your memory on the various topics we covered in class!

Dave Ramsey's Budget Calculator
I'm sure you remember using Dave's spending categories and percentages when creating budgets in class! Here's a link to his budget calculator (you will have to create an account but it's free). You can also download the 'EveryDollar' app to create a budget on your phone!

Federal Trade Commission (Consumer Protection)
As you may remember, you are entitled to a FREE credit report check from each of the three main credit reporting agencies once per year. On this site you can find the link to access your credit report and well as information about reporting identify theft and protecting yourself from fraud!

Consumer Financial Protection Bureau
Along the same lines as the resource above, this website from the federal government has resources to help protect you as a consumer (as the title indicates)!

FAME (Finance Authority of Maine)
A great resource about paying for college, filling out the FAFSA, and general money management from a Maine organization.

College Scorecard (Comparing College Data)
This is the resource we used when comparing net price, average loan payment, graduation rates, etc. of various colleges. If you are trying to find the best 'bang for your buck' and want to see how your school compares to others, use this interactive website!

Maine Snap-Ed (Healthy Eating on a Budget)

If you’re looking for recipe ideas and shopping lists to stretch your grocery budget, this resource will provide just that! It IS possible to eat healthy while pinching your pennies- a great resource at any stage of life!

 (name brand vs store brand taste test activity)

(listening to & reading student 'consumer savings tips' projects)

Do Something.Org (Volunteer Opportunities)
Although not personal finance related, I feel compelled to link up this really great resources to help further your civic mindedness and encourage you to get out there and make a difference in your community (wherever that may be at this point)! Simply input how much time you have and some of your interests and a list of volunteer opportunities in your area will be created!

Voting Information for Maine Residents
I'm not sure where you may be living at this point, but this is the resource we used in class for determining who is eligible to vote and where to vote if you are living in Maine. If you are out of state, go to your state's website and to find similar information.

Political Typology Quiz (Pew Research Center)
This is the quiz you took on your own to help you determine where your views fall on various social and economic issues. The Pew Research Center is a non-partisan you remember what 'non-partisan' means? :)

(field trip to listen to the Maine gubernatorial debate in Portland)

The information above are some of the 'most requested' resources and should provide a great overview of the major topics covered in our personal finance & civics course. There are endless amounts of information on the web to help navigate the world of personal finance but hopefully this list will provide a great place to start!

Monday, August 7, 2017

Thrift Store Teacher Outfit Ideas

One of my favorite back-to-school traditions is going shopping for 'new' teacher clothes at all of my local Goodwill stores. I take a day and make the rounds to 5 or 6 of my area stores in search of great bargains on stylish & professional outfits! Upon looking through my closet recently, I noticed that at least 50% of my current wardrobe came from thrift stores. I often receive compliments on my outfits from my high school students as well as colleagues, which is proof that you can in fact be stylish and professional without spending a fortune! As a personal finance teacher, thrift shopping has also provided me with a way to demonstrate consumer saving skills to my students! Let's take a peak inside my closet as I offer some thrifty teacher outfit inspiration!

Thrifted Teacher Style Ideas

The outfit shown above includes a thrifted eyelet sheath dress and a cardigan, both originally from Old Navy, and paired with a belt and sandals that I already had in my closet (not thrifted). I love to mix thrifted pieces with pieces I already own to create new looks. The sheath dress and the cardigan are both staple pieces that can easily be mixed and matched with other items. Below I've paired the same red sandals with some fun printed pants found at Goodwill!

Teacher Outfit Ideas

Teacher Outfits

The outfit above, including the boots, was entirely thrifted at Goodwill! The green sweater from the first outfit was paired again with a cute printed dress and tights. Adding tights or leggings is a great way to transition pieces from warmer months to those dreaded colder winter months! Leggings/tights also help make items that may be on the shorter side a bit more appropriate for school.

My first stop inside any thrift store is the dress section. You really get more 'bang for your buck' with dresses because they are basically an entire outfit in one piece and are often easier to make fit since pants can be a bit tougher to find the right length, size, shape. The polka dot dress above is from LOFT originally but thrifted for $6 and paired with other items already in my closet.

The LOFT sweater dress above was found 'new with tags' at my local thrift store for $6!! Although the blazer wasn't thrifted, I've owned it for over 10 years and it's a great staple piece. I've seen lots of stylish blazers & jackets at Goodwill!

Both striped dress above were Old Navy dresses that were purchased at thrift stores. They make awesome wardrobe staples because they are great transition pieces! Pair with boots on the fall/winter or sandals in the spring/summer! They also make getting dressed in the morning really easy and are school appropriate because they cover up everything without sacrificing style & comfort!

Thrifted J. Crew wool skirt paired with items already in my closet!

 Pink printed skirt originally from J. Crew, $5 at Goodwill

 Dress originally from Target

It also helps to have some basic sewing skills when thrifting because if you can shorten a hemline on a dress or skirt, you take home more great deals! I'm really short so sewing a straight line with my machine and a basic hem with a needle and thread were essential skills to learn early on. The dress below fit perfectly except in the length which was easily remedied with a hand stitched hem!

 (Thrifted LOFT wrap dress)

 (Thrifted J. Crew Skirt)

 (The entire outfit above including the shoes was thrifted)

 I've even found some great evening/formal wear at Goodwill for great prices. The J. Crew silk taffeta dress above retails for over $200 new and I was able to purchase it for $10. The gold Banana Republic shoes were thrifted, too, and I wore this outfit to chaperone prom last year!

The outfit above is more like 'teacher on summer vacation style' but obviously Goodwill has some great pieces for more casual looks, too. The dress makes a great beach cover up and the Cole Haan sandals are one of my all time favorite Goodwill purchases!

 (A 'Casual Friday' look featuring a thrifted J. Crew ruffle button down paired 
with jeans and some nude pumps)

(Thrifted orange vest and plaid shirt, both from Target)

(Another more casual look above with dark denim jeans,  a 'hand me down' sweater from a friend, and thrifted Cole Haan wedges.) 

When I'm hunting for thrifted clothes, or really any clothes at all, I also like to purchase items that can be worn both at school and in my 'real life'. All of the thrifted items above could be dressed up or down and even the strapless dress can be paired with a cardigan to make it school appropriate. 

(A few of my favorite thrifted items! Cole Haan, LOFT, and even a Chanel jacket!)

Because I've found so many fantastic thrifted items, I find it difficult to go into other clothing stores to pay full retail price. Even the sales prices can't beat the prices I find at the thrift store! With a little bit of patience it is entirely possible to find great brand-name clothing and accessories at a budget-friendly price at the thrift store and you may just end up feeling pretty proud!

I post many of my 'teacher outfits of the day' over on Instagram! I hope to see you there!