Smart Cents

Smart Cents To ensure that your life is continually being bettered, you have to resolve to make smarter financial

Always think in the long term. As important as it is to keep track of your current spending habits, it’s also just as im...
12/03/2022

Always think in the long term. As important as it is to keep track of your current spending habits, it’s also just as important to think in the long term when it comes to your finances. Amongst a great deal of many other positive effects this will have on your bank balance, doing so will allow you to save an appropriate amount of money to suit your future endeavors. Perhaps you need a certain amount of spending money for a vacation you’re taking in 6 months? If you think in the long term, you’ll have no trouble saving up this sum of money and, as a result, you’ll be able to truly enjoy your time away from home.

Use cash, not credit. Instead of using credit to finance your lifestyle, use cash instead. This will see you keep a far ...
11/03/2022

Use cash, not credit. Instead of using credit to finance your lifestyle, use cash instead. This will see you keep a far tighter rein on your spending, and you’ll end up having more money to spend on yourself going forward. Whatever you do, just put the money that you do save to good use (remember, those lattes will soon add up!).

Embrace Uncertainty. This one may surprise you. We are built to shun uncertainty. It’s the fear of the unknown that keep...
10/03/2022

Embrace Uncertainty. This one may surprise you. We are built to shun uncertainty. It’s the fear of the unknown that keeps a lot of people out of the stock market. Uncertainty fuels the insurance industry, particularly when it comes to cash value life insurance and annuities. The problem is that it costs us a lot of money to protect against all of these uncertainties. While some of this protection is unavoidable (think car insurance or term life insurance), we should think twice before spending a lot of money in return for guarantees.

Do Important Things First. From how you spend each day understand what you want to accomplish and get the important stuf...
08/03/2022

Do Important Things First. From how you spend each day understand what you want to accomplish and get the important stuff down first. When it comes to finances, don't put of critical action items such as having life insurance, preparing a will, or investing for retirement. Do the important things first, and the rest will fall into place.

Keep tabs on your bank, it's easy to ignore your bank account, especially when you're convinced that you're not going to...
08/03/2022

Keep tabs on your bank, it's easy to ignore your bank account, especially when you're convinced that you're not going to like what you see on there but doing this will not be sure to land you in financial trouble sooter rather than later. By keeping tabs on your account regularly, you give yourself a much better chance of spotting irregularities with your outgoings, and you can stop fraud in its track before it has opportunity to sink it claws into you what's more, by knowing how much you can afford to spend, you stop yourself from overspending, getting yourself into debt, and making life a lot harder for yourself as a result.

Save a Dime of Every Dollar. It’s as simple as it is powerful. Make it a habit, starting right now, to save at least 10%...
08/03/2022

Save a Dime of Every Dollar. It’s as simple as it is powerful. Make it a habit, starting right now, to save at least 10% of your gross pay. Or become a super saver by saving 20% or more. And reconsider any decision that might put this goal in jeopardy.

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