While many may already be investing in 401(k)’s through work, others may not have that option and still want to get investing in an IRA, be it Traditional or Roth. Certainly if you are not investing at all, then now is as good a time as any to start. You may be asking, but don’t I need thousands of dollars to start investing? Not at all. Betterment makes it extremely easy to be able to both start and accelerate investing. Read on for more.
It is hard to believe that it is already April 3rd and across the country soon many high school graduations will start to get underway. With that, will also come the finishing touches on graduates getting ready for college. One of the things that gets most often overlooked though by high school graduates (and their parents) is the financial planning aspect of college. We all know it is certainly expensive to go to school, however with the right planning, you can make sure that you (or your grad) can stay on the right financial track.
As a personal finance junkie, I have always enjoyed the books offered by Dave Ramsey and his team. Today I caught wind that two members of his team, Anthony ONeal, and Rachel Cruze, have a book out called The Graduate Survival Guide: 5 Mistakes You Can’t Afford to Make in College. The book will provide advice on dealing with student loans (with the hopes you won’t have to take out any altogether), budgeting and saving money.
Not far removed from college myself, I must say I wish I certainly would have learned more about these various principles while in high school. College can be a great time of self discovery for sure, but I would highly recommend that the principles of finance be hammered down first before venturing off to campus. That will certainly help set up success for the future!
Check out the below for more on the book:
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Ah, the grocery store. The venue that can add costs to a family or individual’s budget, in addition to costing us our mental health at times too depending on what time of the day you visit. However, we all have to eat at some point, and there are a few ways to deal with the anxiety of heading out to local supermarket and making it less stressful on both you and your finances.
Problem 1 – We shop at the same time as everyone else.
Raise your hand if you generally do most of your grocery shopping on Saturdays and Sundays. How about if you generally do it between 11 am and 1 pm? If you do, don’t feel bad, because according to the American Time Use Survey, apparently so does everybody else.
Simple Problem Solver – Shop during non peak hours! If you can, try shopping during a non peak day like a Monday or a Tuesday. Even better, if you can slide in before 4 pm, you have even better chances of avoiding the after work crowds. This might not be the case everywhere though, as I know we frequently have still seen decent sized crowds during the daytime hours as well.