As a planner working with people in their 30’s and 40’s, I spend a lot of time planning for investments, taxes, and risk management, but today I’m emphasizing the importance of cash flow planning. Cash flow planning is about knowing your income sources and sticking to a spending plan so that you’re able to save! […]
Read More… from I’m a big fan of cash flow planning. Here’s why.
I know that I’m a financial planner, but even if I wasn’t I would probably still have a very detailed and thorough cash flow plan. Living without one, for me, is like driving cross country without GPS. We weave cash flow planning into our comprehensive planning process for good reason. During a recent annual cash […]
As the “new normal” takes hold, it’s wild to look back and reflect on how much has changed in each of our lives in just six weeks. The response to Covid-19 has changed day-to-day life in so many ways, and it’s an unprecedented, frightening time across the globe. In times like these we realize how […]
“Does it spark joy?” We’ve been hearing that a lot these days. I talked about the Marie Kondo phenomenon in a recent newsletter (sign up to receive them here!). Her philosophy about surrounding yourself only with things you love makes a lot of sense to me. My close friends and family know my closet is […]
I bet you see 0% credit card offers frequently. They come in our mail, email, and sometimes when we buy a pair of $4.00 socks at a retail store. Do you find yourself contemplating whether or not to open one or take advantage of it on a card you already have? I know I do, […]
Read More… from Credit card offers with 0% APR: What’s it really mean?
Having debt can be paralyzing. I know from experience. One day you are living your life and having fun, and the next you wake up with a pile of credit card or student loan statements. The interest rates and balances are nauseating. You might feel like you can never go to brunch again, let alone […]
This week I was reminded of a time when I was paralyzed by student loan debt and high rent. At that point in my life I felt like I couldn’t spend money on anything. How was I going to manage this debt and still do the things I love to do? Let’s be honest, I […]
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. […]
All About That Credit is a 4-part series about establishing, improving and maintaining good credit. Credit is a complex topic, and while I hope this series will be informative, I welcome questions specific to your particular situation. Part 4: Improving your Credit Score Over the last few weeks we have discussed various ways to obtain credit and […]
Read More… from All About That Credit: Improving Your Credit Score
All About That Credit is a 4-part series about establishing, improving and maintaining good credit. Credit is a complex topic, and while I hope this series will be informative, I welcome questions specific to your particular situation. Part 2: Installment Accounts Are you considering a loan to buy a car, or procuring a mortgage to purchase a […]
