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How to Get Back on Track After Spending Your Emergency Savings
You had emergency savings and found yourself needing it. You were thankful you took the time to build your savings, but now it feels like starting from square one all over again, and after weathering a financial situation that necessitated the need for your emergency savings, the idea of getting back on track may feel […]
How to Become a Saver When You’re a Spender
Some people are savers, while others are natural spenders. If you aren’t a saver, you know that you probably should be, but changing your habits isn’t always easy. Most of our tendencies are formed early on. Maybe you were a child who loved seeing your piggy bank get more and more full as you added […]
What it Really Means if You Have Savings and Debt
Having a robust savings account feels good. Especially in these uncertain times it can be reassuring to know that you have money available if something, such as a job loss or a medical emergency, threatens your financial future. However, savings is only part of your financial picture. To truly assess your financial health, you need […]
How to Avoid Overspending This Holiday Season
It’s extremely easy to overspend, especially this time of year. Following some simple budget guidelines can keep you from paying off holiday debt in the new year. With all the hustle and bustle it’s easy to lose track of how much money you are spending. If you have a habit of overindulging on yourself and others during […]
Student Loans and Their Effect of Retirement Savings
Should paying off your student loans take priority, or should saving for retirement be your focus? Saving for retirement and paying off your student loans are equally important. You know that your debt has an impact on your retirement savings, but you may be struggling with how to balance both. What would happen if you hold off […]
How Debt Will Affect Your Retirement
When you are approaching your retirement years, you may be focused on how much you have saved, and not how much you have in debt. But carrying debt into retirement can have a significant impact on your retirement lifestyle. Without a steady income stream from your job, you will be relying on the retirement income that […]
The Value of Money VS. the Impact of Debt
You truly can’t consider yourself financially stable if you are carrying debt, and although it feels difficult, it is possible to become debt-free. Do you understand the impact of debt in your full financial picture? You may bring in a good salary, pay your bills on time, have the ability to buy what you need and […]
Is it Worth it to Start Investing Your Money After Age 50?
While it is always smart to start investing as early as possible, there are still plenty of advantages to investing at any point leading up to retirement. Retirement income planning can be stressful, especially if you have turned 50 and don’t think that you’ve done enough. That fear can cause many to panic about investments, but investing […]
7 Financial Goals You Can Reach in 2020
This year may be halfway over, but there is still plenty of time for setting some financial goals that you can reach by the end of the year. Setting goals gives you an action plan and a path to succeed. You take a desire and convert it into something real. Even if you think you’re financially in […]
Building an Emergency Fund to Secure Your Financial Future
Although we plan for what we can, there are times when unforeseen expenses can threaten to destroy our financial security. You’re paying your bills, you have some expendable income, but unexpected circumstances can quickly turn into financial catastrophes. Medical emergencies, major home repairs, or job loss can cause massive stress if you don’t have a […]