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Tag Archives: track spending

Smart Financial Moves to Make During the Holiday Break

getting finances on track

As we count down the last few days until the end of the year, here’s to hoping everyone gets a little time off. Obviously, you’ll want to spend some time with friends and family, but hopefully there will be a little downtime as well. Sure it’s fun to binge watch a TV series or watch cute animal videos, but there are also some smart financial moves to make during the holiday break. Set up a System to Track Finances Whether you use Excel, Google Docs, or a notebook and pen, tracking income and spending is one of the most important financial steps you can take if you want to take control of your money. Spend a little time learning what you spend money on and where there is room for improvement. You can also set up a free account with Personal Capital and let them do the heavy lifting for you. Not only can Personal Capital track finances, they also offer tools to check investment fees and calculators to make sure you retire with enough money to live on. Start Planning for Next Year’s Taxes Sure you have until April 15th to complete tax filing, but now is the perfect time ...

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7 Ways to Help Your Finances in Less Than an Hour

use time wisely

In today’s world, you’d be hard pressed to find someone who says they aren’t busy. In fact, not having enough time is one of the biggest excuses as to why we can’t have money, be healthy, take on a side hustle, and on and on. Today is not about excuses. I know anyone can find an extra hour if the motivation is high enough. Whether you find 60 extra minutes by staying up late, getting up early, or by not wasting time on non-productive things, here are 7 ways to help your finances that take less than an hour. 1. Set up Automatic Savings We’ve all heard that it’s wise to pay yourself first. The reason being that it’s very easy to spend or convince ourselves that we “need” things if we know there is money available. Sometimes we go ahead and spend money knowing that there is a good possibility of running short before the next payday. Sure, you can spend money that goes into savings, but in my experience, if you save some money in to an account other than your normal bill pay account, no matter how small the amount, you’ll be much less likely to spend ...

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Organization: The Key To Money Management

being organized saves money

In today’s busy society, it often seems like there aren’t enough hours in the day. With work, family, and social commitments, sometimes financial organization takes a back seat to more pressing matters. If you are one of those people who has a box full of uncategorized receipts and a pile of mail waiting to be opened, it might be time to try a different system. Organization really is the key to money management. Make Sure To Pay Bills On Time Paying bills on time keeps accounts in good standing while avoiding late fees or interest charges. Having a good payment history also helps maintain high credit scores that become very important when shopping for a mortgage, auto loan, or car insurance. Credit scores can even be important when applying for a job. If money is short, consider a service like Check ‘n Go before letting accounts become delinquent. If you have a tendency to misplace mail, sign up for email reminders about upcoming bills. It can also be a good idea to set up automatic payments for monthly bills that are always the same amount, like rent or health insurance.  Automatic payments not only save time, they make it much ...

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