Smart Financial believes that the time to nurture responsible spending habits is when young people take that first big step toward independence and set out on the educational paths that eventually lead them to important career choices and opportunities.

We also provide free seminars year-round on money and credit management and offer student loans. Our emphasis with the CAP program is financial responsibility. Students will be rewarded for responsible account management which we believe will help them steer clear of the problems related to excessive spending.

This helps the student establish credit slowly and safely and keeps him or her from bouncing checks.

People are so quick to judge and make decisions for themselves about situations they know absolutely nothing about.

I want to make my music and be a happy woman, a good wife, a good mom and one day hopefully have a child of my own.

The world when I was 13 wasn't truly driven by tabloid magazines and social media and reality shows. I was able to have a little more of a private life.