Sheryl Garrett
Sheryl Garrett
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I'd want to be sure that I've got adequate insurance for the sake of my loved ones.
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For most of us, it took years to develop bad financial habits, and it will take at least the same amount of time to create the good habits we want. People spend more time planning their annual vacation than discussing their personal finances. That's not healthy, especially for newlyweds.
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Give your student the opportunity to earn money while under your roof. Agree on a reasonable split of your child's earnings--save most for school, but don't forget some fun. Allow your child to make decisions on how to spend some of the money on a car or a trip to Europe. You want to start early so you can guide your children and have some influence over their decisions.
spend
What you can't see, you won't spend foolishly.
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With time on our side a couple of months in advance of the holidays we have the opportunity to step back and ask, 'What's a reasonable amount of money I can spend on holiday festivities, gifts and donations?'
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I like to use cash, and I recommend it to others. I'm a big fan of envelopes and putting aside cash for specific items. If the 'dining out' envelope has only $12 left near the end of the month, you know it's time to stay home and open a can of soup.
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Bailing your kids out of a self-inflicted financial mistake is going backward. A credit card can teach a kid when to stop spending. The lesson will be lost if parents keep bailing the student out.
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Don't leap until you know exactly what you can afford and how you'll afford it. Stretch, but don't dream impossible dreams.
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Don't fall for the pitch '15 months is as good as cash'?even if you have lawn furniture in your living room. Retailers know that most customers won't pay in full within 15 months, and they'll be charged interest from day one. So, if you sign up for such a plan, be sure to put one-fifteenth of the full payment in a special account each month and pay in full at the end of the interest-free term.
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There's nothing finite or tangible about an electronic transfer or use of a credit card. We don't feel the pain of parting with our cash, but we still get the high from making a purchase.
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The concept of longevity could very likely be the most dangerous subject that financial planners and individuals project,
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A good family-law attorney or a good certified divorce financial analyst or certified financial planner is going to help you measure the value of the asset you think you want to keep.