Often times we ask ourselves “where did all the money go? I just got paid and it’s barely end of the week, but all the money is gone.” If you really want to know where all the money went, you need to create a budget. What is a budget? Continue reading
You do not have to be a “pro” or an extreme couponer to save money on your purchases. Using a coupon is as simple as handing it to the cashier at the time you check out. With many people feeling financially strapped due to the rising cost of food, gas, and, well, everything these days, coupons can help you keep a few extra bucks in your wallet. Here are some coupon basics to help you save some green. Continue reading
Two years ago, at the conclusion of my discussion with a client over his finances, I posed this question, “What are some of your long-term financial goals?” His response was one I had heard frequently, “I would very much like to have a comfortable retirement in 20 years.” Continue reading
Are you nervous about being properly prepared for retirement? No doubt you have heard the concerns over whether Social Security will remain solvent. Unless lawmakers act, the Social Security fund will only be able to pay seventy-five cents on the dollar by the year 2033. Although Social Security will likely exist in some form when you are ready to retire, living strictly off of Social Security checks will be extremely challenging. Continue reading
With property prices and interest rates down, jumping into home ownership may seem more tempting than ever. Before you make the leap, however, you need to consider the hidden costs of buying and owning a home. Continue reading
Are you ecstatic when you get your tax refund each year? Do you feel like you’ve hit the jackpot when Uncle Sam sends you a huge check? Well, getting a giant refund at tax time may not be such a good thing after all. It means that you’ve been withholding too much tax from your pay throughout the year, giving the government an interest free loan and possibly leaving yourself short on cash every month. Continue reading
Ahhh Budgeting, you love it, hate it, find it scary or just don’t do it. If you have been to my blog before you know I love simple and if there is a way to simplify budgeting & tracking money I am all ears!
So what options are there to make things easy? Of course you have the option of the basic excel budget that works just fine for mapping out your budget, but tracking your money is the tricky part. You don’t tend to take your excel budget everywhere you go and would have to wait to manually input your purchases, etc. Having said that, a simple excel budget is important to have as your “blueprint,” and a great view of your plan, your goals and your progress. Continue reading