Tag Archive: financial plan
A lot of people in today’s economy are struggling, whether they want to admit it or not. Debt is infinitely more common, and people are often spending beyond their means, making credit card companies billions each year and costing people their homes, possessions, and even their jobs. Now, this isn’t the fault of the credit […]
This article is part seven in the article series Financial Planning 101. You need a financial plan. Life is uncertain. No one is completely secure financially and, let’s face it, most people are completely unprepared for retirement. Financial planning is simply a necessary part of life. So how do you write one? Below is a […]
Saving for retirement requires planning and diligence. Individuals should begin saving money early in their careers and they should be consistent about contributing to a retirement account. However, emergencies may occur that require cash and the account holder may be tempted to borrow money from the retirement account. This is not recommended because it has […]
The 401k employer sponsored retirement plan is a hidden gem on the list of employer-provided benefits. Employees designate a certain percentage of their pay to contribute to a tax-deferred account and they choose the allocation of stocks, bonds, and mutual funds into which this money will be invested. Employers frequently match a percentage of the […]
For those who have a desire to see their money grow, there are quite a few options out there to help with this process. You don’t have to be some sort of super genius to do it, either. You just need to be responsible and more importantly, you need to seek out individuals who can […]
A great many of us have found ourselves faced with our finances being in a poor condition as we lured into spending what we simply don’t have. It is quite normal for a great many of us to actually spend more each month than what we earn without realizing it and so has led to […]
People get in debt for all sorts of reasons. High medical bills, death, divorce, overspending. But, just because you ended up in the land of overwhelming debt doesn’t mean you have to stay there. One of the most enviable destinations in the world is debt-free living. Unfortunately, getting out of debt isn’t as easy as getting into debt. […]
I’m a big fan of Scott Adams. He’s the witty cartoonist behind Dilbert. It’s an “office” comic that pokes fun of big business innefficiency and “stupid people.” In the latest book The Way of the Weasil, the world famous cartoonist took a jab at the topic of financial planning… he described a one-page financial plan […]
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