It's that time of year again—the beginning of the year when we all have high hopes for losing those extra 10 pounds, or exercising more often.  We all know where that inevitably ends up after a few months—back where we started, wishing that we had the willpower to stick to it.  That’s why I’m encouraging you to choose a new year’s resolution you CAN stick to because it lasts all year and you only have to do it once!—automatic deposit to a savings account on a monthly or bi-weekly basis.  If your work offers direct deposit, consider

It is great that the Center for Financial Literacy is convening a financial literacy task force (Times Argus May 1, 2014); financial literacy is indeed a critical issue.  We at Capstone have been working on financial literacy for adults for the last 17 years.  Our hope is that the task force will not just highlight the importance of financial literacy for teenagers and adults, but also move beyond financial literacy to promoting financial capability, encouraging behavior change as well as increasing knowledge. 

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