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Money Management Tips By Age

January 22nd 2015 by
1 comment

Most financial advice you read can be applied to anyone regardless of age, but it’s typically up to you to prioritize that advice. For example, someone in their 20s may want to learn more about retirement planning, but it’s probably more beneficial for them to focus on establishing savings. To help you know what you should focus on, this post will cover financial pitfalls, goals and savings for different ages. Financial Pitfalls 20s: Getting a job after school isn’t always easy, so your bank account may be pretty low. Unfortunately, many 20-somethings turn to credit cards to maintain the lifestyle…

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401(k) vs. IRA

Posted in Retirement
November 20th 2014 by
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You’ve heard how important it is to set up a retirement plan and you want to get started. Or, maybe you just want to understand what options you have. The two common accounts you’ll hear about are  401(k)s and IRAs. Here’s what you need to know about both of them. 401(k) Plan This is a plan you can get from your employer. You won’t need to worry about maintaining your account or remembering to make contributions. You specify how much to take out of your paycheck and it’s a pre-tax deduction. Employers often offer to match up to a certain…

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Private College Loans: 7 Things You Need to Know

Posted in Borrowing Money
November 11th 2014 by
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The best college loans are the ones available through the federal government. If you are interested in pursuing private college loans, you need to proceed carefully. Here are seven things you need to know when shopping for private loans: 1. You’re Stuck with Them With federal student loans, there are options to help you deal with any rough patches you may encounter. This is not the case with personal loans. If you lose your job, you won’t be able to defer payments. You also can’t select income-based repayment options. What you sign up for is what you get – and…

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Will You Be Ready for Retirement?

Posted in Retirement
October 23rd 2014 by
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Have you thought about how much money you need to retire comfortably? Most people have not. And most people won’t be ready for retirement either. Experts suggest you’ll be able to live on 85% of your pre-retirement income, although you need to factor in inflation year after year. Different situations may move that percentage up or down, but that’s about what you should be aiming for. The average person is in retirement for about 20 years – so that’s a lot of money you’ll need saved up. So how do you know if you’re on track? Use a Retirement Calculator…

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6 Tips For Living On Your Own

September 25th 2014 by
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Are you moving out of your parents’ home? Or are you finally able to ditch the roommates? Moving out on your own is both exciting and chaotic. You don’t want to forget to organize your finances and recreate your budget for your new life. The tips below explain what you can do before and after you move to keep your finances on track. Before the Move 1. Create a spreadsheet  It’s always a good idea to set up a budget for your monthly expenses. This can help you organize your monthly bills and due dates, but don’t forget to add…

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