Plan for Retirement
Even though you think it’s a bit early to think about those things, try to save some money for retirement. Think about your future and even ask your employer to help you with a retirement plan. Take control of your financial life and be more responsible! Are these tips helping? Do you have a…
Check your insurance coverage
Review your health, life and property insurance coverage every year. Keep in mind, the least expensive option may not be the best value. Consider term life insurance instead of the more expensive whole life, and be sure to review your beneficiary designations. Group plans tend to be less expensive than individual plans, so explore any coverage…
Be Your Best You
By December of 2015, I had hit rock bottom with my weight. I was at a point where I couldn’t even look at myself. I refused to take pictures with friends or my boyfriend (my profile picture was so old, my hair color had changed twice over). I didn’t want to go out because I…
Shopping Responsibly with LutherSales™
We all want to buy things that will make life more comfortable, more exciting, and more convenient. We all want the most fashionable furniture, the latest gadgets, and even some time to “get away” with friends and family. With today’s economy, it’s not always easy to have all this and pay for it responsibly —…
3 Simple Tricks To Help You Budget This Holiday
Love to celebrate the holidays? Don’t love the astronomical credit card bill you must face after the holidays? Keep your budget in check with these simple tips: 1. Plan A Budget. Plan out your holiday budget before you start your shopping. Gifts can really add up, no matter the size. Create a gift log like the one below to…
Over-extending
Do an honest expense report for yourself.Where are you over-extending? Where are you spending too much? Rent is a common culprit — experts say this should not be more than 20 percent of your income. Moving to a cheaper place is extremely freeing. Are these tips working for you? Please leave us a comment…
Make A List
Make a holiday gift list. When you have a list, you’re more focused and tend to buy fewer impulse items. This can dramatically reduce the amount of money that you spend as you’re out shopping. Are these tips working for you? Please leave us a comment below and be sure to share with your friends!
Less Is More
Remember less is more — need all those cable channels? Need that gym membership if you only go once a week? Look for cheaper alternatives. How much is a drop in exercise class? Is there a free first pass? Is Hulu a better option? Refer to your report to see where you can cut back.…
Know Where Your Money Goes
Be aware of how you are spending your money. A $4 cup of coffee five days a week costs you $80/month. Review some of the items you spend your money on to find areas where cutting back can move your savings account forward.
5 Holiday Gift Ideas SO Good, You’ll Put Them On Your Own List
Ah, gift giving. Some of us are holiday hustlers: We note gift ideas throughout the year, start shopping in October and we’re done with our holiday shopping list before the turkey hits the table on November 24. While the rest of us are more like December delayers…We loathe long lines but we often put off shopping…
