Financial Health Smart use of credit cards can help you control costs and your credit score. Using a credit card is safer than carrying cash, makes it easier to track your expenses, and helps you establish credit. And you need a credit card to make purchases online or by phone. But be careful with credit […]
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Financial Health Invest in your future. Money doesn’t grow on trees, but it can grow when you save and invest it wisely. First, identify what you want to save for: * Emergency funds? (Plan for three to six months of expenses.) Holiday expenses? Vacations? A house? College for your kids? Retirement? * Rank order your
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Financial Health Use your money wisely. You have probably asked or heard the question, “Do you really need that?” It is a good question to ask when you are thinking of making a purchase. Buying on impulse can be a big budget buster. Getting by with less is a budget saver. Use credit cards wisely:
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Financial Health Building personal wealth starts with making wise financial decisions. Be strategic about where you save money, so it is sustainable. Make it fun and economical, such as cooking a gourmet meal at home with your family and then turning off the lights to have a “candlelit” dinner. Or, get an annual state or
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Financial Health But, it doesn’t, so build a budget! Use a plan to manage your money and stay out of debt. * Identify your life goals and financial priorities. * List all sources of income. * Keep a log of everything you spend. * Use a software program or a free app, such as one
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Financial Health Having financial security to meet your needs and enjoy your life is, well, priceless. But if you’re struggling and juggling bills, the stress can make you sick. Your financial well-being is an important part of your overall well-being. Money-related stress can trickle down to affect every area of your life, including your health.
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Financial Health Get out of debt on your own or with help. Whether it’s from living above your means, expensive medical bills, a job loss, or supporting your parents, you can eliminate debt. The first step is to avoid getting deeper in debt. Limit spending to essentials and follow a plan to pay down the
Financial Health * Limit your number of credit cards. * Use 1 or 2 major credit cards that have low interest rates. Individual store and gas cards have very high interest rates. * Only charge what you can pay in full when you get the bill. Or, aim to keep the balance to less than
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Financial Health Give yourself a present. Keep holiday spending within your means. * Set a limit on what you will spend. * Make a list before you shop. * Buy from stores that offer layaway plans. * Avoid impulse buying. Leave your credit cards at home. * Shop less – in stores, online, and while
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Financial Health Make a plan to live within your means. No matter what your income, having a budget helps you plan and manage your money. It also helps you get a grip on your spending. You can use a budget-making tool, such as a free one from the websitewww.mint.com. You can write one on your
