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Southern Illinois St. Louis MO calendar of events Oct. 25




Noon Thursday, Oct. 25, is the deadline to appear in next week’s What’s Happening. We must receive your event in writing with a contact phone number for questions. Due to the large number of submissions, non-profit events are run only one time in print, will be edited and appear in the week before the event date.

Email: Mail to: Lifestyle, Belleville News-Democrat, 120 S. Illinois St., P.O. Box 427, Belleville, IL 62222-0427. Questions, call Jennifer Green at 618-239-2643.


Centralia Halloween Parade and Fall Festival — 9 a.m. to 3 p.m. Saturday. Downtown Centralia, 100 S. Locust St., Centralia. Craft fair, free children’s games and activities, flea market, chili cook-off, car show, best dressed pet contest, local entertainment, food and more.


Buck-A-Bag Sale — 9 to 11 a.m. Friday. 1050 N. State, Freeburg (formerly Kennedy Carpets). Men’s, women’s and children’s clothing $1 per bag. Toys, shoes and miscellaneous all $1 per bag. Books are free. Sponsored by Freeburg Food and Clothing Bank. 618-539-5070.

Family Art Night — 5 to 7 p.m. Thursday, Oct. 25. Sister Thea Bowman Catholic School, 8213 Church Land, East St. Louis. Nigerian artist Ibiyinka Olufemi Alao will work with families in this special art session. 618-397-0316.

Tales of the Supernatural: An Evening with Luke and Len — 7 p.m. Sunday. Espenschied Chapel, 317 N. County Road, Mascoutah. Paranormal speakers and investigators Luke Naliborski and Len Adams share real ghost stories. Tickets are $10 and available at the Mascoutah Public Library and online at

St. Louis Science Center: Science Spooktacular — 5 to 8 p.m. Thursday, Oct. 25 through Sunday. Saint Louis Science Center, 5050 Oakland Ave., St. Louis. Four nights of fun include special effects in the haunted lab, amazing science demonstrations, prop making in Makerspace, spooky outdoor trail in GROW, ghostbusting tractor rides. Each evening includes a Halloween-themed movie in the OMNIMAX Theater. Free admission, includes parking.

The Greatest Show in Belleville Circus — 6 p.m. Friday. Lindenwood University-Belleville, 2600 West Main St., Belleville. Part of Lindenwood’s homecoming celebration featuring carnival games, circus acts and much more. Free and open to the public.

Lindenwood University-Belleville 3rd Annual Homecoming Parade — 11 a.m. Saturday. Starts at 17th and Main streets, finishing at 27th and Main streets in Belleville.

31st Annual Halloween Party — 6:30 to 8:30 p.m. Saturday. Caseyville Community Center, 909 S. Main St., Caseyville. Free admission. Game tickets: 4 for $1. Hayride (weather permitting), costume contest (groups by age). Hot dogs, hamburgers, chili, chili dogs, soda and chips.

Swansea Spook-tacular — 4 to 7 p.m. Saturday. Melvin Price Park, 1500 Caseyville Ave., Swansea. Food trucks, trunk or treat, pumpkin contest (bring your own decorated pumpkin), bounce house and games. No animals allowed.

Rummage and Bake Sale — 5 to 9 p.m. Thursday, Oct. 25, 9 a.m. to 8 p.m. Friday, 9 a.m. to 3 p.m. Saturday and Sunday. St. Dominic Parish, Parish Center, 493 N. 2nd St., Breese. Homemade baked goods available all four days. Saturday all items half price. Sunday $2 brown bag sale.

Loss of a Spouse Seminar — 7 to 8:30 p.m. Thursday, Oct. 25. Good Shepherd Lutheran Church, 1300 Beltline Road, Collinsville. Featuring video interviews with counselors, grief experts and widowed men and women. Cost: $5. 618-344-3151.

Vietnam Veteran Book Signing — 6:30 p.m. Tuesday. Maryville Community Library, 8 Schiber Court, Maryville. Local author Jerry Dallape discusses his new book, “Vietnam Guns Fury.” Q&A to follow the talk and opportunity to purchase the book. Light refreshments available.

Southwestern Illinois College Trunk or Treat — 6 p.m. Friday. SWIC Belleville Campus, 2500 Carlyle Ave., Belleville, in parking lot M4/M5. Bring the kids to enjoy trick-or-treating in a safe environment. 618-235-2700, ext. 5561.

Breast Health Awareness Hockey Game — 7:30 p.m. Friday. McKendree Metro Rec Plex, 205 Rec Plex Drive, O’Fallon. Doors open 6:45 p.m. McKendree Bearcats versus the Southern Illinois University Edwardsville Cougars. Wear pink to support Breast Cancer Awareness month. HSHS St Elizabeth’s Hospital imaging colleagues will offer important information about breast health. Admission $5.

Howl-oween Pet Parade & Block Party — 12 to 4 p.m. Sunday. Belleville Area Humane Society, 1301 S. 11th St., Belleville. Parade sign in 12 p.m. Parade starts 1 p.m. at 100 E. Washington St., Belleville. Register for the parade by calling 618-235-3712. Pet costume contest and block party features vendors, food, music, kids activities, prizes and more. Entry is $10 per dog. Visit for more information.

Boo at the Zoo Spooky Saturday — 9 a.m. to 2 p.m. Saturday. St. Louis Zoo, One Government Drive, St. Louis. Mummies and daddies are invited to bring their little ghouls and goblins to a day of educational activity stations and animal enrichment throughout the Zoo. Encounter surprises and goodies along the way, along with your favorite costumed characters and entertainment.

Downtown Trick-or-Treat — 5:30 to 7:30 p.m. Friday. Along East Main St. between High and Charles streets in Belleville. Fun and yummy treats provided by local businesses and organizations. Free wagon rides, tours through the Fire Department’s Survive Alive House, hot dogs, music and more. 618-233-6518, ext. 1245.

Trunk or Treat — 6 to 8 p.m. Friday. Edwardsville Masonic Lodge, 90 Kriege Farm Road, Glen Carbon. Hot dogs, chips, candy, hot cocoa. 618-656-7137.

Trunk or Treat — 6 to 7:30 p.m. East Lodge 504, 9950 St. Clair Ave., Fairview Heights. Hot chocolate, popcorn, cotton candy. Free and open to the public.

Sports Zone Trivia Night — 7 p.m. Saturday. Knights of Columbus, 5420 Old Collinsville Road, O’Fallon. Doors open 6 p.m. Prizes, liquor raffle, silent auction, 50/50. Bring your own snacks. No outside beverages. Cash bar available. Cost: $15 per players/$120 for tables of eight. Reservations:

Caseyville Library ‘Ghostly Guests’ — 6:30 p.m. Thursday, Oct. 25. Caseyville Public Library District, 419 S. 2nd St., Caseyville. Presented by local historian Bob Stephens. Topics include: Abraham Lincoln’s ghost in the White House, numerous Civil War battlefield ghosts, Lincoln’s funeral train, John Wilkes Booth’s ghose, local ghost sightings.

Elks Meat Shoot — Noon Sunday. Elks Lodge #664, 9480 Old Lincoln Trail, Fairview Heights. Practice 11:30 a.m. Meat and cake raffles. Free food.

New Baden Chamber of Commerce Chili & Soup Cook-Off and Cupcake Wars — 12 to 10 p.m. Saturday. New Baden Village Park. Drinks and food available noon to 10 p.m. Competitions start 3 p.m. Bonfire 7 p.m. Awards ceremony 8 p.m. Music, craft fair, hayrides, games and more.

Cultural Sustainability and the Pursuit of Community II — 6 to 8 p.m. Thursday, Oct. 25. SIUE East St. Louis Center, 601 James R. Thompson Blvd., Building D, East St. Louis. Doors open and refreshments served 5:30 p.m. Focusing on confronting issues that relate to cultural sustainability and the pursuit of community. Free and open to the public.

6th Annual Jackie Joyner-Kersee Foundation Sequins, Suits and Sneakers Gala — 6 p.m. Thursday, Oct. 25. Four Seasons Hotel, 999 N. 2nd St., St. Louis. The fundraising event benefits the Jackie Joyner-Kersee Foundation and all of the youth programs the Center supports. 618-772-2349 or

Rock the Pumpkin Family Event — 6 to 8 p.m. Wednesday, Oct. 31. O’Fallon Assembly, 1400 N. Green Mount Road, O’Fallon. Games, candy, prizes, inflatables, face painting, concessions and more. Pre-registration available online at or call 618-632-5584 for details.

Finocchio-Clary-Barnes-Méthot Exhibition Opening Reception — 4 to 7 p.m. Schmidt Art Center, 2500 Carlyle Ave., Belleville. Includes artist talks.

Red Cross Blood Drive — 7:45 a.m. to 2:45 p.m. Friday, Saturday and Sunday. Fairview Heights Blood Donation Center, 10886 Lincoln Trail, Fairview Heights.

Red Cross Blood Drive — 12:15 to 7:15 p.m. Monday, Tuesday and Wednesday. Fairview Heights Blood Donation Center, 10886 Lincoln Trail, Fairview Heights.

Red Cross Blood Drive — 2 to 7 p.m. Monday. Fire Station One, 315 Carlyle Ave., Belleville

Red Cross Blood Drive — 3 to 7 p.m. Tuesday. Knights of Columbus, 100 East 5th St., Cahokia.

Leu Civic Center Cornhole Tournament — 11 a.m. Saturday, Nov. 3. Leu Civic Center, 213 N. Market St., Mascoutah. $20 per team, 36 teams max. Double-elimination tournament. $100 to first place team. Prizes to other top teams. Team check-in and same day registration 10 to 10:30 a.m. All proceeds benefit Leu Civic Center. 618-975-2837 or 618-566-2175.

Nachmittag mit Autoren (Afternoon with the Authors) — 1 to 4 p.m. Sunday. Downtown Maeystown, starting at Maeystown General Store, 1101 Main St. Visit with four local authors as they discuss, read excerpts, sign their books, sell and illustrate them. Authors Jeanette Coopermann, Tyler Ruff, Deborah Heal and Dennis Knobloch will be visiting different locations in downtown Maeystown.

‘Come as You Are’ Tai Chi — 5 p.m. Every Wednesday. Ever and Anon Park, corner of East Main and Mascoutah Ave., Belleville. Free one-hour class for all ages and skill levels. Sponsored by the Belleville Heritage Society.

Old Town Farmers’ Market — 7:30 a.m. to noon Saturday. First block of South Charles between East Main and East Washington Streets, Belleville. Locally grown fruits, vegetables, meat, honey, baked goods, dog treats, plants and crafts.

Swansea Farmers Market — 10 a.m. to 2 p.m. Thursday, Oct. 25. Rural King parking lot, 2801 N. Illinois St., Swansea.

O’Fallon Farmer’s Market — 7:30 a.m. to noon Saturday. Next to the caboose, west of First and Lincoln streets, O’Fallon.

Mascoutah Farmers Market — 8:30 a.m. to 12:30 p.m. Saturday. Across from Mascoutah City Hall, 3 W. Main St., Mascoutah.

Millstadt Farmer’s Market — 3 to 6 p.m. Friday. Veterans of Foreign Wars parking lot, W. Washington St., Millstadt.


The annual Downtown Belleville Halloween Trick or Treat event will be held Friday evening from 5:30 to 7:30 p.m. on East Main Street. Candy, hot dogs, soft drinks and more will be available for children twelve years and under.

BND File Photo


Turkey Hill Grange Wurstmarkt — 10:30 a.m. to 3 p.m. Sunday. Turkey Hill Grange, 1375 East State Route 15, Belleville. Buffet-style dinner with pork sausage, mashed potatoes and gravy, sauerkraut, green beans, cranberry sauce, applesauce, homemade pies and cakes. Eat in or carryout. Adults $12, children 5-12 $6, children under 5 free. Jams and jellies also available.

Chouteau Senior Township Chili Supper — 4 to 8 p.m. Thursday, Oct. 25. Chouteau Township Highway Department, 906 Thorngate Road, Granite City. Quilt raffle, door prizes.

Corpus Christi Church Fall Chicken Dinner — 3 to 7 p.m. Sunday. Corpus Christi Parish Center, 206 Rasp. St., Shiloh. Featuring homestyle fried chicken. Adults $11, children ages 6-12 $5. Take-out available. Reservation for eight or more in a party accepted by calling 618-632-7614 by Oct. 26.

Turkey Dinner and Fall Bazaar — 11 a.m. to 5 p.m. Sunday. St. Elizabeth Catholic Church, 2300 Pontoon Road, Granite City. Eat in or carry out.

Germantown American Legion Chicken Dinner & Dance — 11 a.m. to 6 p.m. Sunday. Germantown American Legion, 1208 Sycamore St., Germantown. Dinner 11 a.m. to 6 p.m. Dance 2 to 5:30 p.m. with music by Rendition.

Aviston Legion Fish and Chicken Fry — 4:30 to 7 p.m. Friday. American Legion Post 1239, 601 S. Clinton, Aviston. Cod, catfish, shrimp, chicken strips, fried chicken, sides. Eat in or carryout. 618-228-7311 or

Caseyville Fish Fry — 4 to 7 p.m. Friday, Caseyville VFW Post 1117, 415 N. Long, Caseyville. Fish plates, desserts, sandwiches, burgers and more. Bingo at 7 p.m.

Collinsville Fish Fry — 3 to 8 p.m. Friday, Collinsville American Legion, 1022 Vandalia St., Collinsville. North Atlantic cod, whole catfish, sides, desserts. 618-345-2508.

Collinsville Fish Fry — 4 to 7:30 p.m. Friday. Knights of Columbus Hall, 1 Columbus Plaza, Collinsville. Eat in or carryout. Fried/baked cod, catfish, sides. 618-345-1492.

Highland Fish Fry — 4 to 7:30 p.m. Friday. VFW Post 5694, 1900 VFW Road, Highland. Eat in or carryout. 618-654-6367.

Mascoutah Fish Fry — 5 to 8 p.m. Friday, Mascoutah VFW Post 7682, 620 Donaphan St., Mascoutah. Dine in or carryout. 618-566-2288.

Millstadt Fish Fry and Jam Session — 11 a.m. to 2 p.m., 4 to 8 p.m. Friday, Millstadt VFW Post, 200 Veterans Drive, Millstadt. 618-476-1180.

All-You-Can-Eat Fried Chicken – 4 to 8 p.m. Wednesday. Millstadt VFW Post, 200 Veterans Drive, Millstadt. 618-476-1180.

O’Fallon Fish Fry — 4 to 8 p.m. Friday. Knights of Columbus Hall, 402 E. U.S. 50, O’Fallon. Cod and tilapia, burgers, hot dogs, pork steaks, pizza, sides. Eat in or carryout. Now accepting credit cards. 618-632-6229.

O’Fallon Fish and Chicken Fry — 5 to 8 p.m. Friday. O’Fallon American Legion, 109 N. Penn, O’Fallon. Carryouts available. 618-632-8879.

Okawville Fish and Chicken Fry — 5 to 8 p.m. Friday. 205 N. Hanover St., Okawville. American Legion Post No. 233. Eat in or carryout. 618-243-6545.

Shiloh Fish Fry — 5 to 8 p.m. Friday. 100 Eagle Drive, Shiloh. Cod, walleye, catfish, shrimp, chicken wings. Eat in or carryout. Auxiliary bake sale for charity. 618-624-5412.

Swansea Fish Stand – 11 a.m. to 8 p.m. Friday and Saturday. 216 Service St., Swansea. Cod, walleye, catfish, shrimp and more. Saturday: fried chicken. 618-222-7171.

Troy VFW Fish Fry — 4 to 7 p.m. Friday. Troy VFW Post 976 and Auxiliary, 123-A W. Market St., Troy. Cod, catfish, jack salmon, baked fish, chicken strips, shrimp. Dine in or carry out. 618-667-8387.

Waterloo VFW Fish Fry — 11 a.m. to 7 p.m. Friday. Metzger Crook Post 6504, 406 Veterans Drive, Waterloo. Sold by the pound, sandwich or plate. Cod, catfish, walleye, salmon and shrimp. Carryouts. 618-939-7999.


Bridge — 11:45 a.m. Thursday. Collinsville Senior Center, 420 E. Main St., Collinsville. To participate, must have played bridge before. 618-310-1289.

Bridge — 11:45 a.m. Tuesday. Senior Center, 10025 Bunkum Road, Fairview Heights. Sponsored by Caseyville Township. 618-310-1289.

Cribbage Club — 6:30 p.m. Thursday. 1 Columbus Plaza, KC Club, Collinsville. Nine games played against nine different opponents. Yvonne Bright 618-344-1521 or John Bilski 618-398-1029.

Euchre Tournament — 7 p.m. Friday. Millstadt Senior Center, 102 S. Jefferson, Millstadt. 618-476-3731.

Reservations Required

Equipping the Called Trivia Night — 7 p.m. Friday, Nov. 9. Collinsville VFW, 1234 Vandalia St., Collinsville. Doors open 6 p.m. Silent auction, 50/50 raffle. Bring your own snacks. No outside beverages. Cash bar. Tables of 10 are $200 paid in advance before Oct. 31. After Oct. 31 tables are $250. 618-806-7806 or

Girls Day Out Luncheon and Quarter Auction — 11:30 a.m. Saturday, Nov. 17. National Shrine of Our Lady of the Snows, 442 South DeMazenod Drive, Belleville. $25 per person for $180 for a table of eight. Reservations are required. 618-397-6700 or

Walking Tour of Historic Downtown Belleville — 10 a.m. Saturday. Starts at Veterans’ Memorial, southeast corner of the square on East Main St., Belleville. Tour is approximately 16 blocks long and lasts about 90 minutes. $10 per person, ages 12 and up. Reservations required: 618-236-7481 or

Art & Wine Walk — 4 to 7 p.m. Saturday, Nov. 3. Downtown Belleville. $25 advance tickets, $30 day of tickets. More information at

Arch Builders Reunion — 10:30 a.m. to noon Saturday. Museum at the Gateway Arch, 11 N. 4th St., St. Louis. Honor the many engineers, tradesmen and support staff who contributed to the construction of the Gateway Arch from 1963 to 1965. Arch Builders will share memories and inspire current and future generations about the tenacity of their work ethic and their feats of engineering and craftsmanship. Free and open to the public.

Partners for Pets Fall Trivia — 6 to 10 p.m. Saturday, Nov. 3. Edwardsville Moose Lodge, 7371 Marine Road, Edwardsville. Doors open 6 p.m. Trivia begins 7 p.m. Cost: $25 per person or $200 per table of eight.

Girls on the Run 5K — 8 a.m. Saturday, Nov. 17. Soldiers’ Memorial, 1315 Chestnut St., St. Louis. Community run benefits the Girls on the Run Scholarship Fund. For more information or to register:

Club News

St. Louis Metro Polka Club Dance — 2:30 to 6:30 p.m. Sunday. Polish Hall, 826 Greenwood St., Madison. Music by Polka Connections, Mike Wisnewski. Cost: $7. Sandwiches available for purchase. 314-867-7897 or

Optimist Club of Belleville — Noon Tuesday. Bellecourt Place, 120 N. Jackson St., Belleville. Speaker: Mardi Mauch. Program: Wild Birds Unlimited. Guests and new members always welcome.

Metro East Social Singles Halloween Dance — 7 to 11 p.m. Friday. Swansea Moose Lodge, 2425 N. Illinois St., Swansea. Costume wear is optional. Prizes for best costumes. DJ Dr. Dee. Cash bar, 50/50 drawing, attendance prizes. Members $7, non-members $9. Open to the public, singles or couples.

Fairview Heights Woman’s Club — 7 p.m. Thursday, Oct. 25. Caseyville Township Building, 10001 Bunkum Road, Fairview Heights. Members will be filling bags to welcome new residents to Fairview Heights. Members are asked to bring food for pantry to observe World Hunger Day. Hostesses Laura Kilroy and Alice Toth.

O’Fallon Women Empowering Women meeting — 11:30 a.m. to 1 p.m. Monday. Bella Milano, 455 Regency Park, O’Fallon.

O’Fallon Woman’s Club meeting — 12 p.m. Thursday, Oct. 25. St. Michael’s Episcopal Church, 111 O’Fallon Troy Road, O’Fallon.

M.U.S.I.C. Swing Dance Club — 5 to 9:30 p.m. Sunday. VFW Hall, 1234 Vandalia St., Collinsville. One hour free lesson with paid admission. First-time guests get in free. Doors open 5 p.m. Lessons start 5:30 p.m. dance 6:30 to 9:30 p.m.

Metro East Pachyderm Club Meeting — 6 p.m. Thursday, Oct. 25. AFP Field Office, 6 Eagle Center Drive, Suite 4, O’Fallon. Socialize at 5:30 p.m. – mix and mingle. Meeting starts 6 p.m. Speaker: Tad Armstrong. Please notify John Rosenbaum at or Karen Rees at if you plan to attend. Headcount needed for dinner and soft drinks.

Granite City Senior Social Club Dance — 1 to 3 p.m. Monday. Granite City Township Hall, 2061 Delmar Ave., Granite City. Admission $5. Lunch available for $3 from 11 a.m. to 12:30 p.m.

Grief Support Group — 6 p.m. every Wednesday through Dec. 5. Sterling Baptist Church, 9204 Bunkum Road, Fairview Heights. Help and encouragement after death of loved ones. 618-530-0338.

TOPS IL592 weight loss group — 7 p.m. Every Thursday. St. John UCC, Faith Hall Entrance, 307 West Clay, Collinsville. Weigh-in 6:30 p.m. 618-345-6218.


Triad High School: ‘Little Women’ — 7 p.m. Thursday, Nov. 1 and Friday, Nov. 2. Triad High School, 703 US-40, Troy. Presentation of Marisha Chamberlain’s adaptation to commemorate the 150th anniversary of the publication of Louisa May Alcott’s novel. Tickets are $5 for adults and $3 for students and seniors. 618-667-8851, ext. 7139.

Chamber Music Recital: Sound Czech — 7 p.m. Tuesday. Schmidt Art Center, 2500 Carlyle Ave., Belleville.

SWIC Student Recital — 3 p.m. Wednesday. Schmidt Art Center, 2500 Carlyle Ave., Belleville.

Live Music: Janet Evra & The Bonbon Plot — 8 to 10 p.m. Saturday. Jacoby Arts Center, 627 E. Broadway, Alton. Doors open 7:30 p.m. Tickets are $10 and can be purchased online at; seating is cabaret-style. Cash bar and parking.

Ronny Cox: Movies. Music. The passion of one man. — 7 p.m. Friday. Espenschied Chapel, 317 Country Road, Mascoutah. Spend an evening with an old friend, sharing music infused with elements of jazz, touches of blues, good old-fashioned Americana, and a storyteller that touches your heart. Tickets: $20 in advance, $25 at the door. 618-566-7425 or

The Edgar Winter Band — 6:30 p.m. Sunday. Lincoln Theatre, 103 E. Main St., Belleville. Doors open 5 p.m. Edgar Winter will perform at the Theatre’s Frankenstein Bash. Morrison Hotel, a Doors Tribute Band, will open the bash. Tickets are $45 in advance, $50 at the door. 618-233-0123 or

Worth the Drive

Southern Illinois Pagan Alliance Annual Samhain Ritual — 4 p.m. Saturday. Giant City State Park, Shelter 4, 135 Giant City Road, Makanda. Gathering starts 4 p.m. Potluck 5 p.m. Ritual starts 7 p.m. Free and open to all.

Monroe County Farmers Market, Columbia — 3 to 6 p.m. Thursday, Oct. 25. Schnucks parking lot at 100 Columbia Center, Columbia.

Nashville Chamber of Commerce Farmers Market — 7 to 11 a.m. Thursday, Oct. 25. In front of the Washington County Courthouse, 163 East St. Louis Street, Nashville.

Monroe County Farmers Market, Waterloo — 7:30 to 11 a.m. Saturday. The Family Video parking lot, 100 Plaza Drive, Waterloo.


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4 things kids need to know about money




(NC) Responsible spending includes knowing the difference between wants and needs. Back-to-school season, with added expenses and expectations around spending, is the perfect time to not only build your own budget for the year ahead, but also to introduce your own children to the concept of budgeting.

The experts at Capital One break down four basic things that every child should know about money, along with tips for bringing real-life examples into the conversation.

What money is. There’s no need for a full economic lesson,but knowing that money can be exchanged for goods and services, and that the government backs its value, is a great start.
How to earn money. Once your child understands what money is, use this foundational knowledge to connect the concepts of money and work. Start with the simple concept that people go to work in exchange for an income, and explain how it may take time (and work) to save for that new pair of sneakers or backpack. This can help kids develop patience and alleviate the pressure to purchase new items right away that might not be in your budget.
The many ways to pay. While there is a myriad of methods to pay for something in today’s digital age, you can start by explaining the difference between cash, debit and credit. When teaching your kids about credit, real examples help. For instance, if your child insists on a grocery store treat, offer to buy it for them as long as they pay you back from their allowance in a timely manner. If you need a refresher, tools like Capital One’s Credit Keeper can help you better understand your own credit score and the importance of that score to overall financial health.
How to build and follow a budget. This is where earning, spending, saving and sharing all come together. Build a budget that is realistic based on your income and spending needs and take advantage of banking apps to keep tabs on your spending in real-time. Have your kids think about how they might split their allowance into saving, spending and giving back to help them better understand money management.

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20 Percent Of Americans In Relationships Are Committing Financial Infidelity




Nearly 30 million Americans are hiding a checking, savings, or credit card account from their spouse or live in partner, according to a new survey from That’s roughly 1 in 5 that currently have a live in partner or a spouse.

Around 5 million people — or 3 percent — used to commit “financial infidelity,” but no longer do.

Of all the respondents, millennials were more likely than other age groups to hide financial information from their partner. While 15 percent of older generations hid accounts from their partner, 28 percent of millennials were financially dishonest.

Regionally, Americans living in the South and the West were more likely to financially “cheat” than those living in the Northeast and Midwest.

Insecurity about earning and spending could drive some of this infidelity, according to industry analyst Ted Rossman.

When it comes to millennials, witnessing divorce could have caused those aged 18-37 to try and squirrel away from Rossman calls a “freedom fund”.

“They’ve got this safety net,” Rossman said. They’re asking: “What if this relationship doesn’t work out?”

As bad as physical infidelity

More than half (55 percent) of those surveyed believed that financial infidelity was just as bad as physically cheating. That’s including some 20 percent who believed that financially cheating was worse.

But despite this, most didn’t find this to be a deal breaker.

Over 80 percent surveyed said they would be upset, but wouldn’t end the relationship. Only 2 percent of those asked would end the relationship if they discovered their spouse or partner was hiding $5,000 or more in credit card debt. That number however is highest among those lower middle class households ($30,000-$49,999 income bracket): Nearly 10 percent would break things off as a result.

Roughly 15 percent said they wouldn’t care at all. Studies do show however that money troubles is the leading cause of stress in a relationship.

That’s why, Rossman says, it’s important to share that information with your partner.

“Talking about money with your spouse isn’t always easy, but it has to be done,” he said. “You can still maintain some privacy over your finances, and even keep separate accounts if you and your spouse agree, but you need to get on the same page regarding your general direction, otherwise your financial union is doomed to fail.”

With credit card rates hovering at an average of 19.24 percent APR, hiding financial information from a partner could be financially devastating.

But, Rossman adds, it’s not just about the economic impact but also the erosion of trust.

“More than the dollars and cents is that trust factor,” he said. “I think losing that trust is so hard to regain. That could be a long lasting wedge.”

Kristin Myers is a reporter at Yahoo Finance. Follow her on Twitter.

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7 Examples Of Terrible Financial Advice We’ve Heard




Between television, radio, the internet and well-meaning but presumptuous friends and family, we’re inundated with unsolicited advice on a daily basis. And when it comes to money, there’s a ton of terrible advice out there. Even so-called experts can lead us astray sometimes.

Have you been duped? Here are a few examples of the worst money advice advisers, bloggers and other personal finance pros have heard.

1. Carry a balance to increase your credit score.

Ben Luthi, a money and travel writer, said that a friend once told him that his mortgage loan officer advised him to carry a balance on his credit card in order to improve his credit score. In fact, the loan officer recommended keeping the balance at around 50 percent of his credit limit.

“This is the absolute worst financial advice I’ve ever heard for several reasons,” Luthi said. For one, carrying a credit card balance doesn’t have any effect on your credit at all. “What it does do is ensure that you pay a high interest rate on your balance every month, neutralizing any other benefits you might get from the card,” Luthi explained. “Also, keeping a 50 percent credit utilization is a surefire way to hurt your credit score, not help it.”

Some credit experts recommend keeping your balance below 30 percent of the card limit, but even that’s not a hard-and-fast rule. Keeping your balance as low as possible and paying the bill on time each month is how you improve your score.

2. Avoid credit cards ― period.

Credit cards can be a slippery slope for some people; overspending can lead to a cycle of debt that’s tough to escape.

But avoiding credit cards on principle, something personal finance gurus like Dave Ramsey push hard, robs you of all their potential benefits.

“Credit cards are a good tool for building credit and earning rewards,” explained personal finance writer Kim Porter. “Plus, there are lots of ways to avoid debt, like using the card only for monthly bills, paying off the card every month and tracking your spending.”

If you struggle with debt, a credit card is probably not for you. At least not right now. But if you are on top of your finances and want to leverage debt in a strategic way, a credit card can help you do just that.

3. The mortgage you’re approved for is what you can afford.

“The worst financial advice I hear is to buy as much house as you can afford,” said R.J. Weiss, a certified financial planner who founded the blog The Ways to Wealth. He explained that most lenders use the 28/36 rule to determine how much you can afford to borrow: Up to 28 percent of your monthly gross income can go toward your home, as long as the payments don’t exceed 36 percent of your total monthly debt payments. For example, if you had a credit card, student loan and car loan payment that together totaled $640 a month, your mortgage payment should be no more than $360 (36 percent of $1,000 in total debt payments).

“What homeowners don’t realize is this rule was invented by banks to maximize their bottom line ― not the homeowner’s financial well-being,” Weiss said. “Banks have figured out that this is the largest amount of debt one can take on with a reasonable chance of paying it back, even if that means you have to forego saving for retirement, college or short-term goals.”

4. An expensive house is worth it because of the tax write-off.

Scott Vance, owner of, said a real estate agent told him when he was younger that it made sense to buy a more expensive house because he had the advantage of writing off the mortgage interest on his taxes.

But let’s stop and think about that for a moment. A deduction simply decreases your taxable income ― it’s not a dollar-for-dollar reduction of your tax bill. So committing to a larger mortgage payment to take a bigger tax deduction still means paying more in the long run. And if that high mortgage payment compromises your ability to keep up on other bills or save money, it’s definitely not worth it.

“Now, as a financial planner focusing on taxes, I see the folly in such advice,” he said, noting that he always advises his client to consider the source of advice before following it. ”Taking tax advice from a Realtor is … like taking medical procedure advice from your hairdresser.”

5. You need a six-month emergency fund.

One thing is true: You need an emergency fund. But when it comes to how much you should save in that fund, it’s different for each person. There’s no cookie-cutter answer that applies to everyone. And yet many experts claim that six months’ worth of expenses is exactly how much you should have socked away in a savings account.

“I work with a lot of Hollywood actors, and six months won’t cut it for these folks,” said Eric D. Matthews, CEO and wealth adviser at EDM Capital. “I also work with executives in the same industry where six months is overkill. You need to strike a balance for your work, industry and craft.”

If you have too little saved, a major financial blow can leave you in debt regardless. And if you set aside too much, you lose returns by leaving the money in a liquid, low-interest savings account. “The generic six months is a nice catch-all, but nowhere near the specific need of the individual’s unique situation… and aren’t we all unique?”

6. You should accept your entire student loan package.

Aside from a house, a college education is often one of the biggest purchases people make in their lifetimes. Often loans are needed to bridge the gap between college savings and that final tuition bill. But just because you’re offered a certain amount doesn’t mean you need to take it all.

“The worst financial advice I received was that I had to accept my entire student loan package and that I had no other options,” said Gina Zakaria, founder of The Frugal Convert. “It cost me a lot in student loan debt. Now I tell everyone that you never have to accept any part of a college financial package that you don’t want to accept.” There are always other options, she said.

7. Only invest in what you know.

Even the great Warren Buffett, considered by many to be the best investor of all time, gets it wrong sometimes. One of his most famous pieces of advice is to only invest in what you know, but that might not be the right guidance for the average investor.

In theory, it makes sense. After all, you don’t want to tie up your money in overly complicated investments you don’t understand. The problem is, most of us are not business experts, and it’s nearly impossible to have deep knowledge of hundreds of securities. “Diversification is key to a good portfolio, and investing in what you know leads to a very un-diversified portfolio,” said Britton Gregory, a certified financial planner and principal of Seaborn Financial. “Instead, invest in a well-diversified portfolio that includes many companies, even ones you’ve never heard of.”

That might mean enlisting the help of a professional, so make sure it’s one who has your best interests at heart.

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