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Talking to kids about money can feel surprisingly complicated. Many parents don't avoid talking to their kids about money because they don't care. They're really just worried about saying the wrong thing, starting too early, or not knowing enough themselves.

Throughout February, Chartway Credit Union, invites its members and the public to "Give With All Your Heart." The month-long campaign will fund the wish of Promise Hero Paisley, a three-year-old battling congenital heart disease, whose wish is to visit Disney World and Peppa Pig Land in Florida. The credit union's charitable arm, the Chartway Promise Foundation, and its non-profit partner, Make-A-Wish Utah, are collaborating to bring the wish to life.

After the holidays, balances are clearer, statements are longer, and suddenly every, "I'll deal with this later," decision shows up at once. If paying down debt is one of your goals this year, you're not alone. But here's the good news: real progress doesn't require extreme budgets, perfect discipline, or cutting out everything that brings you joy.