This is the time of year that we often associate with planning for the future. We make financial resolutions, and vow that this year will be different. Instead of just sticking with making promises to yourself, though, really think about what you want your future to look like. Then, make financial plans based on those goals and values.
CareOne has been helping military families pay off their debt since it began. We are placing the spotlight on some of our customers who faced unique financial challenges as a result of their military service.
I have committed to NOT use my savings for this, so I will need to be almost hyper-vigilant to tuck money away. After experiencing almost constant terror of something unforeseen happening and having no savings, I have become quite dedicated to the idea of saving money and leaving it alone.
As part of the company's Three-Star Sponsorship of the 2012 Military Bowl, 150 tickets will be donated to active-duty servicemembers on CareOne's behalf. In addition, CareOne will make a significant in-game presentation to a military family.
By planning our spending ahead of time, putting cash into envelopes, and using only that cash for our purchases, we have been able to string together the most consistent and successful budget months ever.
As part of the company's Three-Star Sponsorship of the 2012 Military Bowl, 150 tickets will be donated to active-duty servicemembers on CareOne's behalf.
It can be hard to change gears when you've been doing something one way for a long time. So recruit help, set up reminders, and structure your environment in ways that ease that process. Here are several suggestions to get you started.
Impulse buying had a great deal to do with my credit card habit. Haven't you thought, "I'll put whatever on my credit card and pay for it next month?" It's a slippery slope, and I slid all the way to the bottom before I realized that this just couldn't go on any longer. That's when CareOne came into my life and started putting me back on the right financial track, one month at a time.
Your budget must be flexible and able to stretch and contract based on your personal circumstances. Let's face it, life does not follow any rules, so building a budget that is ready for a few surprises seems like a solid plan.
I like to remember when times seemed to be easier and more carefree, but I also like to be realistic about when things have not been so great and mistakes were made.
In hindsight, I can see that the first year of my "debt repayment program" wasn't debt repayment at all. It was more like debt shuffling.
Who doesn't need some extra cash, gift cards, and holiday cheer this time of year? The personal finance blogging community is full of folks that have big hearts and want to spread some of that cheer on to you!
Your estate is everything you own at death. Estate planning is about organizing your affairs, deciding who gets what, and setting out your wishes clearly.
However, for a wife with long, luxurious locks, a teenage son, and a young daughter that is already very aware of self-image, things are not as simple.
What do you do to make life on a budget more enjoyable, easier, and just plain better? How do you manage fun and your money at the same time? Enter our monthly Share the Wealth contest, and tell us your solution to some of life's challenges. Each month, we'll post a new question and look for your innovative answers. You could win a $250 gift card!
You've got dreams. Goals. Cherished plans. I often call these the Big Things in your life. They're the ones that call out to you -- that would be worth serious effort and sacrifice to attain.
I dug myself into $3,000 worth of credit card debt on consumer items and "fun" in a matter of less than a year. I had nothing to show for it, except for a horrible financial situation.
There are many ways to establish and set goals. One of the more effective methods is to use an acronym to help remind you daily of the keys to your personal success. I have scoured many online resources to develop my strategy for a financially productive 2013. I want to share a few of them with you in hopes of encouraging you to set goals and stick to them in 2013
CareOne is pleased to announce our very first "CareOne Gives Back Giveaway", just in time for the holidays!
With the New Year quickly approaching, it is time for me to start looking forward into 2013. What do I want to accomplish financially, now that my debt is paid in full?
The holidays would not be complete without spending extra money. Or would they?
Remember when you singed up for one of those loyalty / discount cards? You were probably in a rush in the check-out line and didn’t read the agreement. In the fine print you gave permission for the store to gather a lot of data about your spending.
Our minds seem to be clearer when we have a plan. We seem to be able to operate with less stress and chaos when a plan is laid, and contingencies have been evaluated. At least that's how it is for me. By my nature, I am very organized, and I love lists. This year, Christmas purchases, activities, and cooking will be listed, priced, and planned for.
How do I know it's too much? Because I find myself reveling in the planning -- the idea of doing the thing -- rather than getting into the work itself and reveling in getting that done
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.