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Empty Nester Financial Moves
When your youngest child eventually leaves home, it’s the perfect time to reassess your finances. It typically costs a family about $24,000 a year to raise a child. So, depending on the number of children who have left, this can be a significant amount of money. For many of us, the nest empties out when […]
Smart Money Moves for 2026
January 2026, can you believe it? This is the perfect time to get organized to improve your financial picture throughout the coming year. There are many things a person might do and, as always, the best moves depend on your circumstances. Nonetheless, many experts agree that the following list might be useful. Check Signals. Since […]
What is Spaving?
Most of us recognize that many marketing campaigns are designed to get as much of our money as they can and to get it right now. This has actually led to a term called spaving which is a blend of spending and saving. It refers to the illusion of saving money by spending money. In […]
Family Loans or Gifts
Whether you decide to help a family member (or a friend) with a loan or a gift, it can be tricky. This month we’ll provide some information to help you decide whether to make a family loan, gift or to do nothing at all. Sometimes, it’s just best to do nothing at all. For example, […]
Financial Literacy Month
April is Financial Literacy Month. Financial literacy is the ability to understand and manage personal finances effectively. It involves skills such as budgeting, saving, investing and making informed financial decisions. Strong financial literacy helps individuals achieve financial stability and long-term security. While there are many aspects to financial literacy, many people think that the following […]
Blending Finances for Couples & Newlyweds – Part 2
This is the second part of an article that talks about the three approaches available for combining your finances. Last month’s article discussed keeping finances separate and partially combining finances (hybrid approach). This month we’ll wrap up this discussion by talking about completely combing your finances and we’ll also give you some information on separating […]
Blending Finances for Couples & Newlyweds – Part 1
If you’re engaged in a committed relationship with another person, there are many things you’ll want to discuss and to find a way of dealing with them that works for both of you. I previously wrote about how you can achieve this alignment and it might be good to read that article before digging into […]
Financial Health
When asked about their financial health, many people immediately think of their credit score. While that is an important component, it’s far from the whole story. As an analogy, think about going to get your physical and the doctor only takes your temperature. But what about blood pressure, cholesterol levels and so on? Yep, understanding […]
Personal Financial Calendar for 2024
As the New Year begins, it’s a great time to take note of important financial events that are coming this year. This will let you plan for them and avoid penalties and interest charges for missed payments. January Be sure you have signed up for your company’s 401(k) program – especially if your employer offers […]
Using Home Equity to Fund Long-Term Care
Have you thought about whether you might need long-term care as you get older? The Department of Health and Human Services has determined that 70% of adults who survive to age 65 will need long-term services and support before they die and that 48% of those people will receive some paid care over their lifetime. […]