Remove Budgeting Remove Financial Planning Remove Retail
article thumbnail

Your Guide to a Financially Healthy Holiday Season

Your Richest Life

But holiday spending is still a struggle for most people, with seven in 10 people reporting that they usually go over budget on their holiday expenses. Creating a budget for the holidays gives you the freedom to enjoy the holidays without the nagging guilt that you might be undermining your financial goals.

article thumbnail

5 Post-Holiday Shopping Tips for Retirees

Integrity Financial Planning

Holiday shopping can be stressful, and unless you took advantage of Black Friday or Cyber Monday, you might find it tough to find the deals you need to keep your gifts within your budget. If you go to your local retailers, you may find great deals, as they quite literally may want to clear their shelves by offering great discounts.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Navigating Record-High Credit Card Debt With a Solid Financial Plan

Fortune Financial

Navigating Record-High Credit Card Debt With a Solid Financial Plan Credit card debt has reached a record high of $1 trillion despite high borrowing costs that may continue rising, according to recent data from the Federal Reserve. Stick to a predetermined credit limit that aligns with your budget and avoid maxing out your cards.

article thumbnail

Navigating Record-High Credit Card Debt With a Solid Financial Plan

Fortune Financial

Navigating Record-High Credit Card Debt With a Solid Financial Plan Credit card debt has reached a record high of $1 trillion despite high borrowing costs that may continue rising, according to recent data from the Federal Reserve. Stick to a predetermined credit limit that aligns with your budget and avoid maxing out your cards.

article thumbnail

7 Financial Literacy Basics We All Need To Know

Clever Girl Finance

But before we dive into our guide on the basics of financial literacy, let's talk about why this matters. The importance of understanding financial literacy basics Financial literacy covers several topics , including budgeting, banking, investing, handling debt, and planning for the future.

Budgeting 105
article thumbnail

Avoiding ‘Spaving’ and Stay On Track with Your Financial Goals

MainStreet Financial Planning

Here’s why it’s harmful: You Spend More Than Planned : Have you ever checked your bank statement and wondered how you managed to spend so much? Budget Overruns : I once had a client who proudly showed me how much she “saved” during a massive sale. Create a Budget : Make a budget and stick to it. A new home?

article thumbnail

13 Things To Do When Broke That Cost Nothing!

Clever Girl Finance

Undeniably, it can feel really debilitating to be on a bare-bones budget. That said, you need to create a clear plan to achieve them—and that starts with getting clear about what you want to accomplish. Create a financial plan. Then you can create a plan with actionable steps to make your goals a reality.