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12 Tips to Help Your Holiday Budgeting
Holiday spending and holiday budgeting go hand-in-hand. Holiday spending doesn’t just include gifts. Holiday spending on food, decorations, travel and more during the holiday season may often increase your monthly spending.
Incorporating Giving Back into Your Year-End Financial Planning
If you’re incorporating giving back as part of your year-end financial planning, there are many ways you can do so.
You can make an impact while receiving tax benefits by giving as part of an approach to charitable giving. You may want to consider philanthropic giving. Which addresses the root cause of social issues and requires a more strategic, long-term strategy, versus donating which tends to be more occasional giving.
Thinking About Delaying Retirement? Here’s What to Consider
If you’re unsure about retiring and are considering delaying retirement, you must consider if you have enough retirement savings. Do this before making your decision. Examining retirement savings benchmarks and having a comprehensive financial plan that outlines specific actions are the first steps toward knowing if you should delay your retirement. Also, some questions to ask yourself to help determine your retirement readiness include:
Drawing Social Security Early and Still Working? Here’s What You Need to Know.
Some people decide to retire early and start drawing Social Security early. Many people are unable to live out their retirement plans due to inadequate retirement savings. In addition, many are spending retirement working another job.
The Fed Is Rising Interest Rates: Will It Impact You?
Interest rates are rising again as The Fed continues working towards raising the target interest rate to a “terminal rate,” or endpoint, of 4.6% in 2023. The terminal rate implies a quarter-point rise next year but no decreases, with a goal to slow spending and help curb the inflation rate as it stretches the dollar.
Is Now the Suitable Time to Sell Your Home?
There are several reasons why now may be a suitable time for you to sell your house. Depending on your situation, here is what you should consider in your decision:
5 Things to Consider When Starting Estate Planning
One thing to keep in mind about starting estate planning is not to set it and forget it. As life changes, your estate plan should too.
How to Find Financial Help
Personal finance refers to how you make money, save money, build wealth, and protect your assets. It’s an essential part of life as it impacts how you live today and what your life will look like in the future. If you’d like to take control of your finances to meet various financial goals, rest assured many resources can help. Below are some ideas to help you find financial help.
The Real Costs of Buying a Home
When you’re ready to buy a house, it’s essential to consider the upfront costs and ongoing expenses outside of taxes, utilities, and home maintenance.
5 Retirement Savings options- Which is Suitable for You?
Suppose you already know your retirement savings options; congratulations! You’re on your way to a more financially secure retirement. You must continue to save and determine other retirement savings vehicle strategies that may be appropriate for your situation.
