
4 minute read
Civic Engagement v Civismo
November 8 Election
September 1, 2022: Voters can check their status at My Voter Status to confirm their mailing address and voting status. /Certified List of Candidates for the November 8, 2022 Election will be posted
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September 9, 2022: Online version of State Voter Information Guide Available
September 29–October 18, 2022: Secretary of State’s office will mail the Official Voter Information Guide during this period
October 10, 2022: No later than this date, county elections officials shall begin mailing each registered voter a vote-by-mail ballot
October 10–November 7, 2022: Early Voting sites are open
To find a location, visit: https://caearlyvoting.sos.ca.gov/

October 24, 2022: Last day to register to vote for the primary election.
October 25–November 8, 2022: Same Day Registration available. Voters can “conditionally” register and vote a provisional ballot during this time
November 8, 2022: Election Day — Polls shall be open throughout the state from 7:00 a.m. to 8:00 p.m.

Comicios del 8 de noviembre
1 de septiembre de 2022: Los votantes pueden checar su estatus en My Voter Status para confirmar su dirección y estatus como votante. / Se publica la lista certificada de candidatos
9 de septiembre de 2022: La versión en línea del Guía para el Votante está disponible
29 de septiembre–18 de octubre de 2022: Oficina del Secretario de Estado enviará por correo el Guía para el Votante
10 de octubre de 2022: Para esta fecha, se habrá enviado una balota por correo a cada votante registrado
10 de octubre–7 de noviembre: Votar por adelantado. Ubicar un lugar para vota en https://caearlyvoting.sos. ca.gov/ https://www.sos.ca.gov/elections

24 de octubre de 2022: Último día para registarse para las elecciones primarias.
25 de octubre–8 de noviembre e 2022: Se puede registar para votar ese mismo día de manera preliminar y votar de manera provisional.
8 de noviembre de 2022: Día oficial de las elecciones. Las casetas están abiertas de 7 a.m. a 8 p.m.
Learning about budgeting and other financial topics gives you what is called financial literacy and helps you manage your money. The North County Informador will be presenting short articles on financial literacy, beginning with this one on budgeting.

Banks and credit unions offer savings where you can safeguard your money and increase the amount you have through earned interest. They also provide checking accounts, which allow you to pay for goods and services with a check or debit card so that you don’t need to carry cash with you. Creating a budget
If you want to make the most of your money, creating a budget is essential. It will help you manage your cash flow—how much you earn and how much you spend, as well as what you’re spending on. It is also the best way to figure out where you can cut back and how much you can save for the future. Having savings is the first stepping stone toward financial security
It may seem that our
Budgeting: Have Money When You Need It Budgeting Terms to Know
current wants and needs are the most important, but we shouldn’t forget that following a budget and controlling our spending can help us live better in the future. How?
Creating a budget is the first step in what is called financial planning or creating a financial plan.
To create a budget, you should first track your earning and expenses for the last two months. If you have a bank or credit union account, you can read your bank statements on your phone app, print them, or ask your bank to print them for you.
Organize and categorize
Budget: A plan you make to manage your money, considering expected income and expenses. You can spend some and save some, depending on your goals.
Cash Flow: What you do with the money you receive, such as spending, saving, or investing it.
Cost/benefit analysis: Weighing the cost of a product or investment against the benefit you can get from it.
Credit Card: A card that allows you to buy things and pay for them later, usually monthly and with interest.
Credit Union: Like a bank, but owned by its members that provides savings and checking accounts and other services to its membership at low fees.
Debit Card: A card used to pay for goods and services by transferring money electronically from your bank account to the store’s account. It is just like money in that you have to pay the full amount when you use it.
Delayed Gratification: When you give up something you want now so you can have something later.
Earned Interest: Money you earn for having money in the bank or credit union.
Financial plan, financial planning: When you set goals, create a plan to achieve these goals, and put the plan into action. It helps you take care of your money, including spending, credit, saving, and investing, so that you know what you need now and in the future.
Financial literacy: When you understand banks and how they work; financial markets; credit and credit cards; tax laws; and how to spend, earn, or save money today so you can have money tomorrow.
Fixed Expenses: What you have to pay for something every month, week, etc., for example, your rent or your car payment. The amount does not change.
Gross Income: The total amount of income from wages before any payroll deductions like taxes.
Impulse purchase: A purchase made on a whim, without using a decision-making process.
Net Income: Also called “take-home pay”; it’s the amount you make after payroll deductions, such as taxes.
Personal Identification Number (PIN): Your individual code to use an ATM and access your checking or savings account, or credit card.
Savings Account: An account you have at a financial institution that helps you save money and earn interest at the same time.
Variable Expenses: Expenses whose amount changes every month.
Wants: Items you would like to have but that are not essential for you to live.