“Financial literacy means being fluent – able to speak, read and write – on the topic of money.” In today’s world, all of us in the United States are at a disadvantage when it comes to personal finance and financial literacy – but why? Although there has been improvement over time, the K-12 education system in the United States has emphasized “pure” math over the applied math and economics of personal finance education. This lack of education makes it difficult to see bank statements, credit card agreements and other financial documents in their wider financial context.

Fortunately, there are some great online resources. Today, let’s look at some highlighted by credit.org to help women develop skills and educate themselves on how to conquer their personal finances with ease:

• WIFE – The Women’s Institute for Financial Education, or W.I.F.E., is a non-profit organization for women seeking financial freedom. You’ll find info on all aspects of a woman’s financial life, including divorce, widowhood and retirement.
• Working Mother Magazine – Working Mother Magazine’s website offers great free articles and resources for women trying to balance raising a family as well as full-time work. It’s a great website for those looking to positively enhance their attitude in their everyday career.
• Daily Worth – Daily Worth is one of the web’s most popular resources for women. Their goal is to see that women see money as a symbol of financial freedom, not stress or anxiety.
• WiseUp – WiseUp is offered by Texas A&M University for “generation X & Y” women. Their online course is free and includes 8 components, with subjects ranging from money basics, credit, savings, and investing. Once you register, you’re all set to go!
• Ms.Money–  Ms.Money offers “financial peace of mind” for women, including “Life Purchase Guides” for buying a home, car or getting insurance. Their “Women’s Corner” Underscores the importance of these kinds of online financial resources

A recent study from Columbia University found that we’re bogged down by more than 70 decisions a day – so why not strive to make those that are finance -related a little easier to bare? Despite consistent strides in education and in the workplace, women continue to feel less confident when it comes to making financial decisions. However, a little more study on the topics of budgeting, saving and investing may be able to help put some of those insecurities to rest. Although many women handle many of their families’ day to day routine money management responsibilities, like paying bills and purchasing decisions, they still struggle with being financially literate. That’s why nonprofit organizations like Savvy Ladies are here to help provide free financial education resources to help empower women to achieve financial independence. To be aware of how to handle your finances to create the lifestyle you’ve always dreamed of is to have financial freedom – which is what we all want in the end, right?

When you’re all done checking out those great online resources, money.usnews.com offers some additional financial tips for women as well:

• Don’t let relationships sabotage your finances.
• Focus on earning
• Pay off debt
• Look for creative money sources
• Overestimate your money needs