Category: Financial Coaching

Simple Money Saving Tips To Give Your Budget A Serious Boost

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stacking quarters to show progress on saving money.
Saving money is important.

In an age of massive consumer debt, credit cards run amuck, astonishing national debts, and banks closing their doors, there are plenty of reasons to save money.

Unfortunately, many people have never been educated on how to save money.

But we’ve got some good news. There are an astonishing number of ways to save money these days, all of which can give your budget a serious boost.

Here are some of our favorite money-saving tips. Continue reading Simple Money Saving Tips To Give Your Budget A Serious Boost

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Budgeting 101.3 – Setting Goals

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Looking in wallet to see if budget goals are set
An important part of budgeting is setting goals.

If you’ve stuck with our ‘budget that works’ blog series this long, you’re already looking at a nearly completed budget: In part one of this series, we went over tracking your income and expenses, and in part two, we looked at your net income and broke your expenses down into two categories. In this installment, you’ll set budgeting goals. Continue reading Budgeting 101.3 – Setting Goals

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Budgeting 101.2 – Look Closer at Expenses

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Writing in a journal is a good way to track expenses
Track expenses to know exactly where your money is going.

Budgeting is one of the smartest financial planning moves anybody can make. So, we’re breaking down the budget process–to show that you CAN start and stick to one. In part one of this series, we covered tracking your income and expenses–or how much money you have going in and out each month. In this part, we’ll see if your net income is positive or negative, and break your budget down into categories. Continue reading Budgeting 101.2 – Look Closer at Expenses

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Budgeting 101.1 – Getting Started

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Blank notebook ready for a new budget.
The hardest part of budgeting is getting started.

Making a budget is one of the smartest financial planning moves anybody can make in Madison. So why do so few of us do it? Well, some people just don’t know how; others are afraid to own up to their past savings failures; and some people set too strict of goals, and quit after a month or two. Continue reading Budgeting 101.1 – Getting Started

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Financial Advice for High School Graduates

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High School gradIf you’ve recently graduated from high school, congratulations! Making it through all those years of schooling is no small feat.

Now, however, you’re potentially facing one of the biggest decisions of your life: Will you continue on with your education, or will you get a job? Maybe, you’ll do both! Continue reading Financial Advice for High School Graduates

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How Do I Start Saving For Retirement If I’m 45?

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If you're 45, you can still save for retirement.
At 45, you can still save for retirement.

If you’re 45 and haven’t begun saving for retirement yet, know that you’ve got some major work cut out for you. But, also, know that you’re not alone; though it’s not ideal, plenty of people haven’t saved a penny for retirement at your age. In fact, according to CNBC, the median retirement savings for those between 32 and 61 years old is $5,000. Continue reading How Do I Start Saving For Retirement If I’m 45?

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Como empiezo a ahorrar para retirarme si tengo 45

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Spanish version of Retirement savings at 45.
You still have time to save for retirement if you are 45.

 

Si tiene 45 y aún no ha empezado a ahorrar para su retiro, sepa que tiene mucho trabajo por delante. Pero aunque no es ideal, sepa también, que no está solo. Hay mucha gente que no ha empezado a ahorrar ni un centavo para su retiro a su edad. De hecho, según CNBC, el promedio de ahorros para retiro de personas entre 32 y 61 años de edad es de $5,000. Continue reading Como empiezo a ahorrar para retirarme si tengo 45

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