How to Create a Budget You Can Actually Stick With: 5 Simple Steps to Master Personal Budgeting Do you feel like your finances are out of control? Struggling with credit card debt and wondering where you’ll find enough money to pay your bills? If this sounds familiar, creating a budget could be the key to…
financial planning
Debt Snowball vs Debt Avalanche: Which Is the Best Debt Repayment Strategy?
Which Debt Repayment Strategy Will Help You Pay Off Your Debts Faster and Save Money? Paying off debt can feel overwhelming, but choosing the right debt repayment strategy can make the process faster and more manageable. Two of the most popular methods for eliminating debt are the debt snowball and debt avalanche strategies. Both approaches…
Top 3 Retirement Concerns for UMass Memorial Health Employees
After helping dozens of UMass Memorial Health employees with retirement planning over the past 30 years, I noticed many share the same top concerns. If you’re nearing retirement, you may have these questions, too. The good news? With the right guidance and strategy, these concerns can be addressed to help you retire confidently. UMass Memorial…
Smart Financial Planning for New Entrepreneurs: How to Grow Your Business & Secure Your Future
Maximize Your Business Growth with Smart Financial Strategies Financial planning for entrepreneurs is crucial, as it serves as a roadmap for both personal and business success. You can reduce stress and build a thriving enterprise by effectively managing your finances. Here are essential financial planning tips for entrepreneurs to balance personal and business goals: Create…
How to Be Better With Money: 5 Easy Steps to Build Smarter Financial Habits
Think you’re just “bad with money”? Think again.These 5 practical steps can help anyone gain control, improve their financial habits, and build a better future. Do you avoid looking at your finances because you feel like you’re just “not good with money”? You’re not alone—but that mindset can hold you back from building the life…
Smart Money Moves for Newlyweds: 9 Financial Planning Tips for Young Couples
Work Together to Build a Strong Financial Future Marriage is an exciting milestone, but beyond love and commitment, financial planning is one of the most important foundations for building a life together. According to a 2023 survey from NerdWallet and Zola.com, 67% of engaged Americans have trouble discussing finances with their partner. Avoiding these conversations…
Your 401(k) or IRA is Not a Retirement Plan
If you save in a 401(k) or IRA, congratulations! You’re taking a great step toward financial success and well-being, potentially using tax advantages through these accounts, or picking up free money as employer contributions. Undoubtedly, contributing to these retirement plans is a must if you want financial independence and stability down the road. However, “employer-sponsored…
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