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April is Financial Literacy Month, and a great time to think about some important lessons everyone can learn about finances. Whether you're a parent looking to make talking money with your kids easier, An adult planning for retirement, or a young professional just starting out on your own, there's always something to learn. Here are some fun activities you can do to expand your financial knowledge.

1.) Make a financial date night

If you want to improve your knowledge of finances this month, schedule a financial date night. It doesn't matter if you're partnered or on your own, it works the same way. Pick a day when there's nothing good on TV, no major social events and no serious distractions. Put some calming music on and sit down with your bills, your paycheck and anyone else who matters to your finances, and figure out where you stand.

This can be a time to make dealing with your finances fun. You can do a little daydreaming and figure out what your future looks like. Jot down some goals and think about how you can achieve them through your monthly budget. Make a financial date night part of your monthly routine and it can soon become a night you'll look forward to!

2.) Build a list of needs and wants

One of the best ways to build an efficient budget is to start from a list of priorities. What do you spend your money on each month? Make a list of all your expenses. Then, break them into one of three categories.

The first category is the essential, non-negotiable bills. These are your big-ticket essentials that you want to be sure you don't miss payments for. Your auto loan, your rent or mortgage, your utilities and your taxes go here. This is the bare minimum you need to bring in each month.

The second category is the essential, negotiable obligations. These are unsecured loans such as credit cards and student debt. Paying these off is a priority after you make your essential payments, and you may have some room to negotiate and reduce these payments if things get dicey.

The third category is the inessential spending. This is everything else you spend money on each month. This is the best place to make cuts when you want to shift your priorities.

Making a list of priorities is the first step to taking control of your finances. When you know where your money is going, you can start to move from financially existing to intentionally spending. That's the beginning of improved financial literacy.

3.) Take charge of your retirement planning

Financial literacy is all about taking an active role in thinking about the future. There are a few concrete steps you can take in April to put yourself ahead of the game when it comes to your retirement.

If you're not already doing so, contribute to your employer's 401(k) program. Most employers will match contributions up to a certain level. If you're not contributing enough to get the full amount of that match, you're leaving money on the table. Set up automatic contributions out of every paycheck to automate that savings.

April 15 is the last day to contribute to an IRA for 2014. Even if you've already filed your taxes, you can file an amended return to get credit for your contribution. More importantly, you can add to your retirement nest-egg and take advantage of the tax benefits of those accounts.

There's also no shame in asking for help. Retirement laws are complicated, and it takes an expert to really understand their intricacies. Speaking with one of CFCU's Wealth Management financial consultants can take some of the guesswork out of it. This conversation can also help you clarify what retirement looks like: what your goals are and how much you need to save to achieve them. 

Learn more about CFCU's Wealth Management Today!