If you’re not a fan of the word budget, you’re not alone. For some, it conjures up a life of limits and deprivation. You work hard to make a living, and you deserve to treat yourself once in a while, right?
You don’t need a new year or a special occasion to begin getting your family’s financial life in order. Right now is always the right time to put a plan in place, and we have 12 tips to help you start.
Saving water means saving money around your home. However, you might not be quite ready to put a brick in your toilet tank or reduce your shower flow to a trickle. Have no fear; you can still take steps to seriously reduce your water bill each month.
Many seniors avoid seeking help for their money problems, citing reasons such as not wanting to bother people, not knowing who to trust, and feeling ashamed. Yet trying to deal with debt issues alone is often not the best approach. While money problems may be uncomfortable to talk about, there are resources where you can find valuable assistance.
Every December you are bombarded with suggestions (some subtle, some not-so-much) for items to buy for the holidays. But what about items to buy AFTER the holidays? If you can wait a few days or weeks, you could land yourself some outrageous deals. In fact, if a loved one wants an item on the list below, you might even want to give them a gift card and advise them to pick it up when it goes on sale. That way, they not only get what they want, but they also get more money to spend on other desired items.
Budgeting your money is an important step in achieving any financial goal, whether it’s eliminating debt, saving for a home, or building a retirement fund. But it doesn’t have to be complicated or time consuming.
The holidays are right around the corner. Whether your approach is lively and quick or tinged with the blues, your Hanscom FCU accounts can help you keep stress levels in check.