regulations pertaining to the housing and lending industries are a necessity but so are clearly defined standards and requirements why is it so hard to get a mortgage years later having paid off all of this debt and having a totally different frame of mind as it relates to personal finance i wonder what it would have taken to have prevented me from making all of those financial mistakes so early in my life four steps to educate students about personal finance the final deadline for filing their annual tax return october 15 is coming up fast october 15 final tax deadline is drawing near