Today’s Financial Message Just for you, {{ first name | Friend}}
Meticulously organize every detail of your debts. Note the total amounts owed, their sources, the interest rates, and the minimum monthly payments required. Having a clear and... Continue Reading
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What’s the 50/30/20 Budget Ratio? A Simple Way to Set Your Budget
The need for a new budget can arise from many different causes.
Recent graduates and those who just made a major financial decision (ie. purchasing a new home) are normally faced with a new financial landscape.
When you’re introduced to a new financial reality, grounding yourself with a realistic budget can help you start off on the right foot.
No two people are in the exact same financial situation. Specific needs necessitate different levels of minimal spending.
That’s why budget ratios are a good idea; they set universal budget percentages that can be broken down further according to your highly specific needs.
Budget ratios serve as simplified guidelines for setting a budget – and the most commonly suggested one is the 50/30/20 budget ratio. Let’s take a look…
How Retirement Works | Things We Wish We Learned in School
Remember those days in high school when we learned about the Pythagorean theorem and the intricacies of photosynthesis?
While that knowledge is great for trivia nights, many of us left school without a clue about something far more crucial to our adult lives: how retirement works.
If you’re sitting there thinking, “Wait, isn’t retirement just stopping work and chilling?” – buckle up because we’re about to dive into the retirement crash course you never got but desperately need.
It’s crucial to think about how you’ll spend your time, not just your money.
The Basics: What Even is Retirement?
At its core, retirement is the phase of life when you stop working full-time and live off the savings and investments you’ve accumulated over your working years.
Sounds simple, right?
Today’s Affirmation
It’s perfectly fine for me to enjoy spending money. I strive for a healthy balance between saving and spending. I choose to spend money on things that... Continue Reading