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Economic Impact Payments

For most taxpayers you will receive your economic impact payment based on either your 2018 or 2019 tax returns. However, if the IRS does not have your information because you haven’t filed or if you aren’t required to file, you can give them your information at this site: IRS economic impact payments And soon you’ll …

Budget Annually.  New Year, New Insights.

  You know the view you get when flying in an airplane? Traveling high above the day to day, you can see much farther and gain a new perspective.  You see connections-roads, buildings, neighborhoods, landscapes come together—forming patterns not seen from the ground.  That’s an Annual Budget vs. a Monthly Budget. Monthly budgets are important.  …

A Tale of Two Carrots. 

Have you taken a look at how much you spend on food lately?  Many people who create a budget and look at how much they’re spending each month are surprised by their food bill.   In financial counseling, it’s often the first area that someone tags as wanting to reduce. The Tale of Two carrots is …

Personal Finance Challenge: Frugal February

Who doesn’t like a challenge?  Perhaps more than any other time of the year, the first quarter of each New Year seems to abound with challenges—challenges to be stronger, healthier, or just, well, better.    Some are starting 2019 with a Dry January; some may be undertaking Veganuary; some may be doing both.  As for me, …

Crush those emergencies with preparation!

We all know that life happens and with “life happening” sometimes comes small emergencies that we can prepare for in advance. I recently experienced a short-term inconvenience (that’s what I’ll call it) 😊 when the heavy rains in my area caused some of the older trees to topple over. When one really large tree fell …

Reduced Income Causing Money Problems? Here are Some Tips.

Whether caused by lack of work, illness (yours or a loved one’s), or political stalemate, a reduced income can trigger immediate and substantial financial hardship.  While personal finance professionals preach the wisdom of having a liquid emergency fund totaling three to six months of living expenses to help ease the financial burden of an emergency, …

Don’t Budget Just Spend – but with a plan!

Budgeting is one of those things that can be compared to cleaning your house…you know the benefit of doing it but getting started always seems like such a chore (pun intended). Just like cleaning your house gets easier over time, the more you use a budget to manage your income and expenses, the easier it …

AVOIDING THE HOLIDAY FINANCIAL HANGOVER

The statistics are out there-telling us, financially, the holiday season is not all merry & bright. Many of us struggle to stick to a holiday budget-if we’ve even attempted to create one. (Am I right?) According to yougov.com, 15% of Americans are still paying off 2017’s holiday debt. One key to avoiding the dreaded Holiday …