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We are pleased to present below all posts tagged with ' saving money'. If you still can't find what you are looking for, try using the search box.
As you prepare to start college this fall, to say you’ve got a lot on your plate would be a massive understatement. Course registration, housing, meal plans and much, much more. While these are all important issues, we’d be remiss if we didn’t ask one critical question: How are your money management skills?
What is your net worth? Well, before we can wrap our heads around our own financial status, it’s important to understand what is net worth? Net worth is one of the more general indicators of one’s financial status. When you understand the relationship between your incoming and outgoing funds, you can have better insight into each of your financial goals that knowledge can bring more awareness when you make financial choices in the future.
Money doesn’t buy happiness, but talking about your money can make you happier. We all know money can be an emotional, complex, and a very disruptive conversation amongst couples, but the truth is that it impacts nearly every aspect of our lives in some capacity, especially our relationships. When discussing financial goals and priorities as a couple, it is important to be mindful and prepared. This ultimately is a business partnership without a signature on the dotted line.
Oh, the holidays … some of the happiest times of the year. They’re filled with family, friends, food and festivities. While these are the very things that make the holidays so great, they can leave a dent in your wallet that might just make you a scrooge for the holiday season. Here are some tips to help you cope with holiday spending this year:
For new professionals beginning a career in their early 20’s retirement can seem light years away. I certainly felt this way in my early 20’s, and to some extent still feel in my mid 30’s. The reality is retirement is not that far away. The longer millennials wait to start saving, the more difficult achieving retirement goals will be. For a long time the combination of Social Security and in most cases a pension ensured a semi comfortable retirement. Adding a 401k and/or IRA to the mix was just icing on the cake. For most job families pensions are a thing of the past, and social security is a big question mark. This leaves personal retirement savings as the most reliable way for millennials to achieve their retirement goals. So why is it so important to start early?
As I am sure most of you are aware, Valentine’s Day can get expensive, but we are here to help you save some money with some tips and tricks for this upcoming holiday. When one thinks of Valentine’s Day, they usually think of flowers, jewelry and chocolates, but with a little creativity (and our help), there are several thoughtful alternatives to show your loved ones you still care by breaking the mold and not your bank account.
Black Friday. Small Business Saturday. Cyber Monday.
That screaming you hear may just be coming from your wallet after what is traditionally the biggest shopping period of the year. While it certainly does make you feel good to get the perfect gifts for those you love during the holidays, it’s important that you manage your debt this time of year so that you don’t experience the post-holiday shopping blues.
Establishing and building credit are very important parts of one’s financial well-being. A solid credit history, among other things, is an important factor that is usually considered when a consumer is applying to borrow money. Credit scores and your credit history can impact your ability to borrow money in a number of ways, including when buying a car, opening a line of credit, buying a home, and so on. What exactly impacts your credit? According to credit bureau Experian, there are 5 key factors to consider:
Cooler weather, beautiful changing leaves, and hiking season at its peak makes fall a perfect time to be in the Hudson Valley. This is also one of the best times to purchase a new home! Rhinebeck Bank has the Best Reasons to buy your home this season.
Teaching our children how to budget money today is very different than it was 30 years ago. When I was little, my mom put cash on the kitchen table and separated it into simplified piles: one pile for the house payment, one for the electric and cable bills, one for food, one to save, and then one final pile for what was leftover. This would be the pile we could use for a special activity like going to the movies or maybe a new pair of sneakers we wanted. It was easy to see and understand. We were always told cash was king!
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