If just 5% of the people who commute by car into New York City every day switched to public transit, walking or cycling, they’d prevent 150 million pounds of carbon dioxide emissions per year. And that’s just the environmental side of things: If you take into account car maintenance, gas costs, tolls and the worth of your actual time, commuting by car can cost a household up to $125,000 over ten years!

At some point in your life, you’ll have to shop for a bank. Whether you don’t yet have an account or you’re dissatisfied with your current bank, it’s important to find a bank that suits your needs. Fortunately, shopping for a bank doesn’t have to be hard. As long as you know what to look for, you can find the perfect institution for you. Read on to learn how to choose a bank.

A well-planned budget is the cornerstone of financial health. If you’re not budgeting family finances your kids will have no role model in this regard. Involve your kids in budgeting things like family entertainment or even buying their own school supplies. It will help teach them how to budget their own finances in the future. Even better? Create a budget worksheet for your kids to fill out on their own and manage their allowance or part-time job spending.