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Financial Literacy Workshop - Shared screen with speaker view
Michele Jersak - Century College
36:57
Handouts:

Tips on Managing your Money: https://drive.google.com/file/d/1voVemQtW9viGvao5LS8CLYA756Dyew4J/view?usp=sharing
Budget Food: https://drive.google.com/file/d/1WuMKywzKQkVYWZBcyuPCGgVjQJctKsUS/view?usp=sharing
Spending Plan: https://drive.google.com/file/d/1MEM8JXVOGn37QaWMrMK82F-z8VYwS4PN/view?usp=sharing
Michele Jersak - Century College
44:27
I am leaving now and making Kristen the host.
Ray Perez Martinez
01:10:38
is the free anual credit score report 100% accurate? in comparison to credit karma ? does it hurt your score?
Ray Perez Martinez
01:12:01
thank you ! I have another question what does APR really do?/signify?
Kristen Laramy
01:14:01
If you have a credit card, sometimes they have a free credit score update on your account page. :)
Kristen Laramy
01:14:36
And if you ever apply for a loan at a bank, they'll usually give you a copy of your credit report and score if you ask!
Ray Perez Martinez
01:15:33
well, I kind of wanted to know what it means in terms of a credit card.
Ray Perez Martinez
01:15:52
because I’m not sure how I’m supposed to see it
Ray Perez Martinez
01:16:06
is it necessarily bad?
Michele Jersak - Century College
01:17:01
I am back - great job so far, I was listening in the background :-)
Ray Perez Martinez
01:17:10
okay now I get it, thank you.
Kristen Laramy
01:18:52
You always have great questions, Ray! Thanks so much for participating!
Ray Perez Martinez
01:20:05
now, I have another question. I’m sorry if these sound like questions for a banker but I hope you should know from experience. Is paying the monthly fee bad? because let’s say there’s a limit of $1,000. you spend $150 but don’t pay it off fully. only the minimum payment. does that hurt credit? or just build it slowly?
Ray Perez Martinez
01:20:31
because from what I know personally, I’m just using it to get points and to pay in full, not going above 15% of limit
Ray Perez Martinez
01:22:48
I have a question towards budgeting, how would one go about a budget with unstable hours or schedules?
Ray Perez Martinez
01:23:48
gotcha, thank you !
Qi Zi RuiZhou
01:25:30
I don't have a bank account or credit card (as I'm quite new to finances and I'm still a teen), but are there any general tips or things to avoid when opening an account, or watching credit score?
Kristen Laramy
01:26:40
Excellent question! :)
Qi Zi RuiZhou
01:29:32
Thank you!
Michele Jersak - Century College
01:29:54
We are at 2 PM if we want to wrap up at this time.
Michele Jersak - Century College
01:30:59
resourcecenter@century.edu