Annual budgets aren’t just for big corporations or the wealthy. Whether you’re planning for a vacation, saving for retirement or buying a home, a yearly budget is very important. Don’t make the mistake of thinking that just by spending as little as possible you can take control of your financial life. Being financially responsible can be easy with a well-planned budget!
For a millenial, saving can seem like a scary word. We often look at saving as something meant for adults looking to buy a house or save for retirement, simply not applicable to us. However, starting to save in your 20's can have incredibly positive effects on your financial wellbeing as you continue into adulthood. Here are some reasons saving is important and some ways to start saving (even if you think you have no money).
College is the start of your adult life, and you'll start to see some changes in your day to day routine. From paying rent, to grocery shopping, to managing your free time and homework schedule, college comes with a lot of responsibilities you've never had to consider. One of these considerations is your personal finances. You might be wondering, "Where do I even start?". We hear you. Here's 5 helpful tips from our friends at Money Under 30 to follow as a college student getting started in your financial journey.
Whether or not we talk about money with our friends and family—and we probably don’t—we rarely touch on the subject at work. It’s embarrassing, even taboo, and it raises questions around self-worth and security. However, money and its attendant worry makes its way into the office all the same—dominating our thoughts and affecting performance and focus.
If you’re like me, you thrive on to-do lists and a carefully planned schedule.
I find that having a few things each day on my to-do list at the start of the week helps me to keep moving forward on the things I want to achieve.
In that spirit, here’s a list of fourteen things worth taking care of this week that will save you money. I’ve split them up into a pair of tasks per day so each day isn’t overwhelmed with tasks, but by the end of the week you can be really proud of what you’ve accomplished.
Monday – Start of the Work Week
The start of a fresh work week is full of opportunity – but also full of getting back in the routine after a weekend off.
Check up on your benefits. Take a quick peek at your company’s HR website or your employee’s handbook and make sure there aren’t any benefits you might want to sign up for. Most employers have programs of some kind for their employees, but it’s usually up to the active employees to find out about them.
Do some household maintenance. Clean out the dust behind the fridge. Make sure you have a fresh filter in your home heating and cooling system. Clean out the trap on your dishwasher. Every little thing like this that you handle means that your major home appliances will live a little longer.