If you’re anything like us and have been known to fall victim to the dreaded social media doom scroll, you’ve likely heard the term “girl math” tossed around. And, while the concept was initially used to justify specific purchases and spending habits, the idea of “girl math” opens the floor to a much larger question—how can I improve my financial literacy? Before you click away, no, we’re not here to give any accusatory lectures or help you create a long-term five-year plan. Our team at Legacy Bank has compiled a financial advisor’s guide to girl math with simple, real-world tips that you can implement into your routine today. Find out how to become the ultimate girl boss by improving your financial literacy!

On today’s episode of Legacy Bank’s Financial Literacy Tips, we’re talking about podcasts! Listening to podcasts allows you to absorb information passively while going about your daily routine, whether commuting to work, doing household chores, or exercising. Think of them as your BFF chatting about money over coffee. Tune in to podcasts like “So Money” or “Financial Feminist” and learn about budgeting, investing, saving for retirement, and more!

Never underestimate the power of a good book. The best part about books? You can choose books tailored to beginners that offer practical guidance on topics you’re struggling with. Grab yourself a copy of “The Total Money Makeover” or “You’re Not Broke, You’re Pre-Rich,” and get ready to have your mind blown. These books are packed with practical tips and hilarious anecdotes that can help you achieve your financial goals!

Who says learning can’t be fun? Whether you’re a total money newbie or a seasoned pro, platforms like Coursera and Udemy have you covered, as they offer courses on personal finance taught by industry experts. These courses cover a wide range of topics, from basic money management to advanced investment strategies and can provide you the opportunity to interact with instructors and fellow students, ask questions, and participate in discussions. Look for courses specifically designed for beginners, and learn at your own pace.

It’s time to talk budgeting! We understand that budgeting can be stressful, but it no longer has to be. With budgeting apps like Goodbudget and YNAB (You Need A Budget), you can manage your money directly from your phone and let them do the heavy lifting. Tracking your income and expenses will help you gain a clear understanding of where your money is going. Then, you can create a realistic budget for managing expenses and saving up for what you really want. Never underestimate the power of a carefully curated budget!

When it comes time to call in the big guns, contact a financial advisor. We understand it may sound fancy, but trust us, they’re here to help you achieve your financial goals and can help break things down in a way that makes sense for you. While self-education is valuable, seeking guidance from a financial professional like our team at Legacy Bank can provide personalized advice and ongoing support and accountability to help you stay on track with your goals.