Just because you are on a “tight budget” doesn’t mean that you cannot have a financial plan to reach your goals. Begin with looking at your own spending each day, week or month. Having a tight budget might be because you have high fixed expenses. Or, it might indicate overspending. When was the last time […]
Category: saving
Beyond Resolutions: What’s your Theme for 2018?
One year ago I was thoughtful about setting goals and making resolutions for the New Year. But it surprised me, pleasantly, that I ended up with three themes. I used post-it notes and a dry erase board for daily reminders of these themes. It changed my thinking and brought me to a place of living […]
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Is your cash flow flowing?
Seventy-eight percent of full time workers say they live paycheck-to-paycheck. One of the biggest concerns I hear expressed by my clients is the fear of running out of money between paychecks. No matter your income level, this cash flow squeeze is also often the cause of rising credit card debt or falling behind on utility […]
Can you (should you?) contribute to your IRA for 2016?
When asking myself this question, I think about my life today. I just returned from an amazing trip to Jackson, Wyoming and Teton Valley, Idaho. As I was high in the mountains skinning 2,000 vertical feet in half a day, I took in the scenic, snowy landscape and thought about how lucky I am to […]
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Get Back on Financial Track
Five financial fixes you can do today. Financial planning is about creating a roadmap customized for you. While there may be specific reasons why you should borrow versus pay cash or lease instead of buy, these five fixes apply to everyone. Organize your financial documents. Create a binder or file your documents for easy access. […]
Dear 20-something Me,
Start saving today. Sincerely, Your Future Self That is the piece of advice I most wish I could give my younger self. According to the Fed’s Economic Well-Being of U.S. Households report released in 2015, 31% of 18 to 29 year olds have given no thought to retirement planning. I’m here to change that. The […]
