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Financial literacy refers to the knowledge and understanding of financial concepts, tools, and techniques that help individuals make informed decisions about their personal finances. It encompasses various aspects such as budgeting, saving, investing, debt management, credit scores, insurance, and retirement planning.


Having financial literacy allows individuals:

  • to effectively manage their income, expenses, and assets

  • helps develop skills to create and stick to a budget, make informed decisions when it comes to borrowing money or using credit, and plan for long-term financial goals.

  • Financially literate individuals are also better equipped to protect themselves from financial scams and understand their rights and responsibilities within the financial system.

  • Financial literacy is crucial because it empowers individuals to take control of their financial well-being, make sound financial decisions, and build a strong foundation for their future financial security.


Olive Hill CEDC offers educational courses, workshops, online resources, and professional advice.

Can't attend an in person class? Online class available thru eHome America - Money Management Course

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