NEW YORK ( TheStreet) -- April is Financial Literacy Month. As you await your tax refund, this is a good reminder to review your financial health and make the necessary changes in the way you manage your money.Every household is affected directly by finances, no matter how much money its members make. Often, it is worries over finances.
According to the 2013 Financial Literacy Survey sponsored by the National Foundation for Credit Counseling, 77% of respondents admitted to having financial worries. In addition, 57% of Americans indicated worry over a lack of savings and 43% worry about not having enough "rainy day" savings for an emergency; 38% are concerned about retiring without having enough money set aside. Saving money is a concern for the majority of Americans, but 40% of adults in the United States gave themselves a grade of C, D or F on their knowledge of personal finance. The majority feel they could benefit from additional advice and answers to everyday financial questions from a professional. Here are financial management tips for each stage of your life: