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Financial literacy 101

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(Family Features) Financial anxiety is on the rise in the United States, making financial literacy – simply put, the ability to understand and effectively utilize various money management practices including budgeting, investing and saving among others – as important as ever.

In fact, 36% of the U.S. general population feel anxious about their current financial situations with 26% feeling strained, according to research from World Financial Group. Taking steps to become more financially literate and manage money more effectively can help.

While there isn’t one “right” way to gain financial literacy, these steps can help grow your understanding and confidence around your finances.

  1. Understand Your Finances

    Understanding your finances and how your financial decisions impact your future self is essential for making appropriate choices.  Without this understanding of your income and expenses, you become vulnerable to making the wrong decisions and can put yourself at greater risk in the future.

    To further expand your knowledge base, consider taking a financial literacy quiz to test your understanding of concepts such as compounding interest, inflation and risk diversification. If necessary, don’t be afraid to seek the advice of a professional before making important financial decisions.
  2. Take Control and Plan with Confidence

    To take control of short- and long-term financial priorities and aspirations, individuals should plan ahead. Establishing these goals is the first step to effective planning, whether lifestyle goals, hopes for retirement or specific items you wish to acquire, such as a new vehicle or home. This approach provides a target for building your savings and protection plans.
  3. Prepare and Plan for Life’s Unexpected Events

    If not adequately prepared, unexpected events can have catastrophic impacts on household finances. For example, having to leave the workforce early due to illness could mean years of lost earning power, which could impact your short- and long-term priorities and aspirations. Therefore, it’s essential to ensure backup plans, such as a retirement account or life insurance that includes income protection if unable to work, are in place, if the unexpected happens. This “cushion” can contribute to greater confidence in your future financial outlook and stronger feelings of security going into waves of economic uncertainty.

Test your literacy to assess your understanding and confidence around finances at WorldFinancialGroup.com.

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SOURCE:
World Financial Group

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76% of readers say books slow down summer, but some feel they must earn time

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(Tiffany Miller) The summer of childhood had a different quality to it. The days felt unscheduled, the weeks unhurried, and the season itself stretched on in a way the calendar did not quite explain. A new survey from ThriftBooks, the largest independent online bookseller of new and used books, found that many readers believe the endless summer feeling is gone, and that the one thing most associated with getting it back is also the thing they feel least entitled to do.

It also found that nearly three-quarters of U.S. adults who read say summer moves faster now than it did when they were growing up. And 76% say reading is the one thing that slows it down.

Summer used to feel different

Part of what shifted it was the screen. About 60% of readers say screens take away from the feeling of summer. The associations most tied to childhood summers — being outdoors, family time and reading — have quietly faded into the background. What replaced them is a season that feels more scheduled, more managed and harder to slow down.

Reading slows it down. Guilt gets in the way.

Reading holds a complicated place in that picture. Fifty-three percent of readers fell in love with reading during childhood, and the emotional connection between books and summer runs deep. Fifty-six percent say reading makes summer feel like it lasts longer, and most agree it helps them slow down in a way other forms of downtime simply do not.

But wanting to read and feeling permitted to read are different things. Seventy-four percent of readers say they sometimes or often feel that reading for pleasure is only allowed after everything else is done. That hesitation often looks familiar: a book left on the nightstand while the dishes get done, a chapter saved for when the to-do list clears. The single biggest obstacle is not a shortage of time but the sense that reading is not productive enough to justify: 27% say the main barrier is feeling like they should be doing something more useful instead.

A generational divide

That tension runs deepest among younger readers. Gen Z enters summer more optimistic about reading than older generations, but also more burdened by it. Seventy-seven percent of Gen Z say reading makes summer feel longer, compared with 44% of Baby Boomers. Yet it is younger readers who are most likely to feel they need to earn the time first.

Why it matters now

The findings suggest summer often feels shorter because schedules and distractions leave less room to slow down. For many readers, books may be one of the simplest ways to bring back the endless summer feeling.

Methodology

ThriftBooks commissioned Atomik Research to conduct an online survey of 2,000 adults throughout the United States who read three or more books per year. The margin of error is plus or minus 2 percentage points with a confidence level of 95%.

Fieldwork took place between April 13 and April 17, 2026. Atomik Research, part of 4media group, is a creative market research agency.

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SOURCE:

ThriftBooks

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Ready, set, spring: 5 early season yard tips

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(Feature Impact) As the days lengthen and warm air has you ready to get your patio furniture out of storage, that means it’s time to give your yard a fresh start. With a little planning now, you’ll be rewarded with a fuller, greener and easier-to-maintain outdoor space once spring is in full bloom.

1. Start With a Clean Slate
Winter leaves behind plenty of debris, including fallen branches and matted leaves. Before you start planting, take a walk around your yard and tidy up:

  • Rake moisture-trapping twigs and leaves that can cause fungus
  • Remove dead plants or spent annuals from flower beds
  • Sweep or power wash patios and walkways

2. Tune Up Tools
Digging into yard work only to find rusty shears or a squeaky mower can prolong the task. Instead, ensure your tools are in good working order:

  • Sharpen blades on lawn mowers, shears and pruners
  • Install fresh string on trimmers and weed eaters
  • Replace old fuel or clean air filters on gas-powered tools

3. Assess Your Lawn
Early spring is ideal for noticing how winter treated your grass. Dethatching and aeration can go a long way toward helping grass absorb nutrients. Set the stage for lush growth once warmer weather arrives by looking for:

  • Bare patches that need reseeding
  • Weeds making an early debut
  • Compacted soil where water pools instead of soaking in

4. Give Plants the Right Start
Now’s the time to prep beds for new life. Before you plant:

  • Loosen soil and mix in compost for nutrients
  • Add mulch around perennials
  • Plan your planting based on sun and shade patterns

5. Hydrate Wisely
Strong roots start with proper hydration. Even before sprigs pop up, early spring can be dry as the sun gets higher. Remember to:

  • Water flowerbeds if rainfall has been scarce
  • Check irrigation systems for damage
  • Mulch lightly after soil warms to lock in moisture

Getting your yard ready early in spring isn’t about perfection; it’s about setting yourself up for outdoor enjoyment all season long. Find more tips to get your yard in shape at eLivingtoday.com.

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SOURCE:

eLivingtoday.com

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Refresh your home: Spring cleaning checklist

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(Feature Impact) After months of winter, spring cleaning isn’t just about dusting and vacuuming – it’s about inviting sunlight and fresh air into your space through the open windows and giving yourself a fresh start for the longer days ahead.

It’s also a perfect opportunity to clear out the old and make room for new experiences, memories and energy. Whether you’re tackling deep cleaning for the first time or you have seasonal rituals for tidying up your home, this room-by-room guide can help you plan and conquer seasonal chores.

Whole Home:

  • Declutter spaces: Donate, recycle or discard what you don’t need
  • Wash windows inside and out
  • Dust baseboards, walls, vents and ceiling fans
  • Wipe down doors, knobs and light switches
  • Vacuum and clean under and behind furniture
  • Clean curtains and blinds
  • Store seasonal items like winter clothing and decor
  • Replace air filters
  • Shampoo carpet

Kitchen:

  • Empty and wipe down refrigerator and freezer
  • Clean oven, stovetop and microwave
  • Scrub countertops and backsplashes
  • Clean out the garbage disposal
  • Sweep and mop floors
  • Organize the pantry and throw away any expired items

Bathrooms:

  • Scrub grout and tile
  • Clean mirrors and glass surfaces
  • Deep clean toilets
  • Wipe down cabinets and bathroom fixtures
  • Wash rugs, floor mats and the shower curtain and liner
  • Empty trash and clean the bin

Bedrooms and Other Living Areas:

  • Wash bedding, pillows and linens
  • Organize closets and drawers
  • Vacuum chair, couches and mattresses as well as under cushions
  • Dust shelves and decor
  • Clean light fixtures and lampshades

Outdoor Areas:

  • Power wash patios, sidewalks and driveways
  • Wipe down outdoor furniture and replace textiles like pillows, cushions and umbrellas
  • Clear debris from garden beds
  • Prune shrubs, plants and trees
  • Organize garages and sheds
  • Reconnect hoses and sprinklers
  • Prep lawn equipment such as mowers, weed eaters and blowers

For more spring cleaning tips and tricks, visit eLivingtoday.com.

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SOURCE:

eLivingtoday.com

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