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Financially Fit

Preparing Taxes

Preparing for Taxes

This month, we focus on preparing for taxes. The tax deadline (May 17th this year) is almost here, and you should have been receiving tax documents from your employers, financial institutions, and vendors. If you haven’t started yet, this is the perfect time to get organized, get going, and get your taxes filed. After all, if you have a refund coming, the sooner you get your refund in, the sooner you will see that money.

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Personalized Path to Financial Success

Path in the woods

No matter what financial freedom means to you, the road to this destination is not easy. It is best to think of the road to financial freedom as a series of small steps instead of a sprint to the finish line. You may dream of winning the lottery and quitting your job the next day, but that is unlikely to happen. If you want to pursue financial freedom on your terms, you need to start with a realistic goal.

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Benefits of Delaying Retirement

Woman in the park

Some anticipate retirement years as a time for new adventures, travel, and pursuing postponed hobbies. Approximately half of working Americans retire between the ages of 61 and 65. For a growing number of seniors, delaying retirement is becoming more common. Some people delay out of financial necessity, while others delay for social or personal reasons. If you are considering delaying your retirement, there are a few possible benefits of holding off retirement even for a short time.

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Tips to Eliminate Debt

Couple reviewing bills

According to the Federal Reserve, American credit card debt was nearly one trillion dollars at the end of the third quarter of 2020. This considerable amount of consumer debt means that many families need strategies to help them get out of debt. If you feel overwhelmed by your current financial situation, you need to understand that you are not alone. We have identified eight strategies that you can use to help you reduce your debt load and get your financial situation back on track.

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Avoid Outliving Your Money

Ladies dancing

Welcome back to our next installment of our Senior Series. This month, we talk about how to ensure your retirement funds last as long as you need. If you are like most American workers, you will likely be responsible for saving most of the money you will need for retirement. That's because many companies have replaced defined-benefit (or pension) plans with defined-contribution (or 401k) plans. Furthermore, Social Security will only cover a fraction of the income you will likely need after retirement. Here are our favorite tips on how to avoid outliving your money during retirement.

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Building a Better Budget

Couple reviewing budget

Most people know they need a budget. Maybe you have one, but you haven’t thought about it in a while, or you’re not sure if you are staying within your budget. This month we are taking away all the guesswork and walking you through your brand new budget.

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Protecting Your Property

Protecting your house

When thinking about insurance, protecting your property should be at the top of your list. In this installment of our Insurance Series we talk about just that: how to insure your investments through optimal property insurance. As with any coverage, it is important to have adequate coverage to cover your potential property loss.

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Analyze Spending

Couple reviewing monthly spending

Welcome to our newest series: Twelve Months To Financial Fitness. Over the next 12 months, we will provide you with personal challenges to help you on your way to a financially fit new year. For January, we take a look at analyzing your spending. Spending analysis is much more than setting a budget. It’s taking an honest look at where your money is really going, figuring out where it should be going, and then getting it there.

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Financially Themed Gifts

Festive gifts

The financial habits and money management skills kids learn can follow them for the rest of their lives. If you want to get your kids, grandkids, nieces, and nephews off to a great start, giving financially-themed gifts is always a good idea. These financially-savvy gifts are always appropriate, and they will be used and appreciated long after the current holiday season has ended.

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Ways to Control Holiday Budget

Holiday savings jar

The holiday season is almost here, and now is the perfect time to get started. But before you head out with your credit card in hand, it is essential to set a plan and create a realistic budget. It is easy to overspend with all of the excitement, but spending too much now could mean months of bills and high credit card charges in the new year. Most people want to control their holiday spending but get wrapped up in the festivities, and their good intentions get lost. Below are five creative ways to keep your holiday budget on track.

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