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It’s a safe bet that no one wants to pay more in taxes than they have to. But often, what we don’t know can hurt us come tax time. Combining certain tax strategies with routine planning and other opportunities, such as charitable gifting, can help to maximize deductions. Here are some tax moves to keep in mind for every year, not just 2023.
Newsflash: Worrying about your taxes won’t make the annual process of gathering all of the necessary paperwork and filing on time any easier. What can actually help, though, is putting a simple plan in place now to make sure you are as prepared as possible for next year’s tax season.
By now, you have probably seen the news regarding recent bank failures, the largest being Silicon Valley Bank in California. We know this type of news can be troubling, so I want to assure you that Rivermark continues to be financially safe and sound. Thank you for the trust you put in us as your member-owned financial cooperative. We will continue to act in the best interest of our membership and the communities we serve.
Rivermark is a proud sponsor of the KGW Great Food Drive. More than 10 million pounds of food have been donated since our involvement began in 2017, providing over 10 million meals to local families. We appreciate every dollar you donate to the Oregon Food Bank through the KGW Great Food Drive! We are accepting food and cash donations at all of our branches through the end of March, or you can make a donation online.
If we’re honest, we don’t need research to tell us what we already know deep in our bones: We don’t always agree with our partners on money matters. Often, fights with a spouse about spending or saving can drive us right to the edge. But it doesn’t have to be this way. It’s actually possible to stop money fights before they bubble up. Here’s a look at some of the best ways couples can successfully navigate financial issues together. These proven strategies can help you communicate more and argue less about money.
Money can be a challenging subject to bring up with your life partner. But despite how uncomfortable talking about our finances may make us feel, the discussions eventually have to happen for you and your partner to build an honest and sustainable future together.
Anyone who has ever lost sleep over credit card bills or stock market shake-ups knows that money is so much more than just a set of numbers on a screen. Money, or a lack of it, can be fraught with emotions that – in some cases – lead to health issues including anxiety and depression.
The pandemic taught us many things. (Some of those lessons we may wish we never had to learn, but we learned them nonetheless.) Perhaps one of the most indelible is the importance of having an emergency fund for whatever life throws at us. If you’re still recovering from the financial fallout of COVID, saving for a future emergency may still seem like a distant dream for “one of these days” — but there are creative ways to start adding to your stash now that won’t impact your daily life, even when times are tight.
Once you’ve decided it’s time to create a budget, or get back on track with an updated spending plan, you’ll have more than a few options to choose from. You can go old school and use notebooks, or spreadsheets to stay organized, or you can grab your laptop, phone or tablet and investigate the budgeting apps available on the market today. Both can be effective ways to keep track of your spending and saving as you begin the extremely satisfying task of telling your money what to do every month.
Let’s be honest. A whole slew of Americans — almost two-thirds by several counts — have no idea how much money they spend in a month. They also have little idea where their money goes. Yes, taxes and other deductions take a chunk right off the top of their paychecks, but the rest seems to just fly out the window (or into the ether) without a trace. If this sounds familiar, the first piece of good news is that it’s not just you. The second is that, yes, there is a way out of this financial fog into a space where you control your hard-earned money. It’s called a budget. And you need one.