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2 min read

Planning Ahead: How to Cut Expenses and Build Your Savings

By EveryIncome on 8/5/22 10:00 AM

Many people have specific financial goals (e.g., filling a rainy-day fund, buying a house, paying down debt, or starting to invest), and most of these goals involve saving money. If you are struggling to put money away for your financial plans, reducing your spending may be necessary. Consider these tips to help you cut expenses and build your savings to facilitate your future financial plans.

Topics: Financial Planning Lifestyle Planning Financial Wellness Financial Literacy Financial Security Budgeting
6 min read

3 Ways to Budget

By EveryIncome on 8/1/22 10:00 AM

Do you want to get on a budget but don’t know how? You look at your income and expenses and your head just spins. How do you know where to budget and how?

Topics: Financial Planning Lifestyle Planning Financial Literacy Budgeting
4 min read

A Couple’s Guide to Building a Budget — Without Killing Each Other

By EveryIncome on 7/25/22 10:00 AM

Money can be a big challenge for relationships, especially for couples on a budget with limited income or a lot of debt. Overwhelming debt, lack of communication, and financial secrets can lead to arguments, guilt, finger-pointing, and resentment. Here are the steps to help.

Understanding what a budget is, what it can do, and how to build one together can help couples address problems in a healthy, positive way as they work toward mutual financial goals.

A budget is simply a roadmap for dividing household income into expenses (including mortgage, groceries, and discretionary spending). Building a budget together means agreeing on the roadmap and helping each other stick to it.

Topics: Financial Planning Benefits of a Financial Advisor Financial Wellness Financial Literacy Financial Security Budgeting
2 min read

How Millennials Can Plan for the Future with a Financial Advisor

By NAIFA on 7/15/22 10:00 AM

The millennial generation has grown up in an era dominated by rapid changes in the economy. In recent decades, the responsibility of saving and investing has been largely delegated to individuals, as opposed to previous generations where this was mainly the role of governments and employers. Improved standards of living have also translated to increased life expectancies among millennials. The implication of this is that young people today have to make sound financial decisions to achieve financial security in retirement.

Topics: Retirement Planning Financial Planning Planning in Advance Retirement Legacy Planning Tools Financial Literacy Retirement Plans Financial Security
6 min read

Using Your Tax Refund to Improve Your Credit

By EveryIncome on 6/20/22 10:00 AM

Are you expecting a tax refund this year? What if instead of spending the money before you even have it in hand you use it to improve your credit?

If you have poor, fair, or even average credit, your credit score could use a boost and your tax refund could be the perfect way to make it happen.

Here’s how to use your tax refund to improve your credit score.

Topics: Financial Planning Tax taxes Financial Literacy
6 min read

What’s the Right Amount to Save Each Month?

By EveryIncome on 6/13/22 10:00 AM

From emergency funds to retirement accounts and everything in between, it can feel impossible to save enough money each month. Even if you make more than enough money to make ends meet, you might wonder if you’re ever saving enough. While there’s no cut and dry answer as to how much you must save each month, we’ve created a guide to help you determine what’s right for you.

Topics: Financial Planning Planning in Advance Lifestyle Planning Financial Literacy Emergency Savings Savings Budgeting
6 min read

The Do’s and Don’ts of Achieving Financial Freedom

By EveryIncome on 6/6/22 11:00 AM

We all want to be financially free, right? Living under the burden of bills, saving, and trying to figure life out feels impossible and overwhelming at times. What if we told you that achieving financial freedom is within your reach – you just have to know the do’s and don’ts of handling your personal finances. 

Here’s what you should know. 

Topics: Financial Planning Lifestyle Planning Financial Wellness Financial Literacy Financial Security Budgeting
6 min read

7 Ways to Improve Your Money Mindset

By EveryIncome on 5/30/22 1:00 PM

You could set as many financial goals as you want, but without the right mindset, they are nearly impossible to reach. How you think about money—consciously and subconsciously—can affect your decisions, how you handle money, and how much money you have overall. The good news is that you can change your money mindset at any time and turn your personal financial situation around. 

What Is Your Money Mindset? 

Your money mindset is any thoughts or feelings you have about money. For example, if you tell yourself, "I’ll never make enough money to retire early", then guess what? You won’t. 

What you tell yourself and how you think about money determines how you handle money. If you tell yourself you aren’t good enough, then you’ll never stretch beyond your limits and make your financial goals a reality. 

Topics: Financial Planning Lifestyle Planning Financial Wellness Financial Literacy Budgeting
2 min read

Finances for Your Aging Parents: What to Expect and How to Prepare

By NAIFA on 5/13/22 10:00 AM

Finances for Your Aging Parents: What to Expect and How to Prepare

It's not always easy to think about your parents getting older and more dependent on you. When it comes to their finances, what do you need to know? What are the most important things for aging parents to consider when it comes to their finances? 

This article will cover what you need to know about planning for your elderly parent's financial needs in retirement so that they can maintain some level of independence. 

Topics: Retirement Planning Financial Planning Planning in Advance Eldercare Medicare Limited Care Financial Literacy
2 min read

Why You Should Consider Investing in Life Insurance

By NAIFA on 5/2/22 1:30 PM

Do you ever worry about what will happen if something happens to you? Not the fear that grips you when you are alone in your home at night, but the stress and anxiety associated with trying to provide for your family, pay off debt, or maintain your lifestyle. This is where investing in life insurance can have various benefits.

Topics: Life Insurance Financial Planning Tax Savings Financial Literacy insurance

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