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Tag: Finance

How to Make Better Financial Decisions

January 17, 2021
| No Comments
| Budgeting, Home Buying, Money Management, Personal Finance
Woman learning how to make better financial decisions

A key financial decision people struggle to make is how to allocate savings for multiple financial goals. Do you save for several goals at the same time or fund them one-by-one in a series of steps? Basically, there are two ways to approach financial goal-setting:

Concurrently: Saving for two or more financial goals at the same time.

Sequentially: Saving for one financial goal at a time in a series of steps.

Each method has its pros and cons. Here’s how to decide which method is best for you.

Sequential goal-setting

Pros

You can focus intensely on one goal at a time and feel a sense of completion when each goal is achieved. It’s also simpler to set up and manage single-goal savings than plans for multiple goals. You only need to set up and manage one account.

Cons

Compound interest is not retroactive. If it takes up to a decade to get around to long-term savings goals (e.g., funding a retirement savings plan), that’s time that interest is not earned.

Concurrent goal-setting

Pros

Compound interest is not delayed on savings for goals that come later in life. The earlier money is set aside, the longer it can grow. Based on the Rule of 72, you can double a sum of money in nine years with an 8 percent average return. The earliest years of savings toward long-term goals are the most powerful ones.

Cons

Funding multiple financial goals is more complex than single-tasking. Income needs to be earmarked separately for each goal and often placed in different accounts. In addition, it will probably take longer to complete any one goal because savings is being placed in multiple locations.

Research findings

Working with Wise Bread to recruit respondents, I conducted a study of financial goal-setting decisions with four colleagues that was recently published in the Journal of Personal Finance. The target audience was young adults with 69 percent of the sample under age 45. Four key financial decisions were explored: financial goals, homeownership, retirement planning, and student loans.

Results indicated that many respondents were sequencing financial priorities, instead of funding them simultaneously, and delaying homeownership and retirement savings. Three-word phrases like “once I have…,", “after I [action],” and “as soon as…,” were noted frequently, indicating a hesitancy to fund certain financial goals until achieving others.

The top three financial goals reported by 1,538 respondents were saving for something, buying something, and reducing debt. About a third (32 percent) of the sample had outstanding student loan balances at the time of data collection and student loan debt had a major impact on respondents’ financial decisions. About three-quarters of the sample said loan debt affected both housing choices and retirement savings.

Actionable steps

Based on the findings from the study mentioned above, here are five ways to make better financial decisions.

1. Consider concurrent financial planning

Rethink the practice of completing financial goals one at a time. Concurrent goal-setting will maximize the awesome power of compound interest and prevent the frequently-reported survey result of having the completion date for one goal determine the start date to save for others.

2. Increase positive financial actions

Do more of anything positive that you’re already doing to better your personal finances. For example, if you’re saving 3 percent of your income in a SEP-IRA (if self-employed) or 401(k) or 403(b) employer retirement savings plan, decide to increase savings to 4 percent or 5 percent.

3. Decrease negative financial habits

Decide to stop (or at least reduce) costly actions that are counterproductive to building financial security. Everyone has their own culprits. Key criteria for consideration are potential cost savings, health impacts, and personal enjoyment.

4. Save something for retirement

Almost 40 percent of the respondents were saving nothing for retirement, which is sobering. The actions that people take (or do not take) today affect their future selves. Any savings is better than no savings and even modest amounts like $100 a month add up over time.

5. Run some financial calculations

Use an online calculator to set financial goals and make plans to achieve them. Planning increases people’s sense of control over their finances and motivation to save. Useful tools are available from FINRA and Practical Money Skills.

What’s the best way to save money for financial goals? It depends. In the end, the most important thing is that you’re taking positive action. Weigh the pros and cons of concurrent and sequential goal-setting strategies and personal preferences, and follow a regular savings strategy that works for you. Every small step matters!

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Want to know how to allocate savings for your financial goals? We’ve got the tips on how to make financial decisions so you can be confident in your personal finance! | #moneymatters #personalfinance #moneytips

This article is from Barbara O’Neill of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:
  • How to Manage Your Money — No Budgeting Required
  • 5-Minute Finance: Create Financial Goals
  • How to Pull Your Small Business Out of a Cash Crunch
  • 10 of the Coolest Sayings About Saving
  • 5 Money Moves to Make Before You Turn 40


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Do You Need to Go to College to Be a Real Estate Investor?

January 17, 2021
| No Comments
| Investment Properties

I am asked all the time whether I think it was worth it to go to college as a real estate investor and real estate broker. I got my degree in business with an emphasis in finance. I think the degree helped me and I am glad I went to college but I don’t think … Read more

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June Financial To-Do List + Calendar

January 17, 2021
| No Comments
| Financial Planning, Frugal Living

Life happens, but you can be prepared for the unexpected with an emergency savings fund. These funds are designed to be set aside for unanticipated expenses, such as: Unexpected job loss Unforeseen medical expenses Car repair Family emergencies Emergency funds…

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Guide to Managing Finances for Deploying Service Members

January 17, 2021
| No Comments
| Find An Apartment

Life in the military offers some distinct experiences compared to civilian life, and that includes your budget and finances. The pre-deployment process can feel overwhelming, especially when you’re organizing your money and bills.  It’s important you provide your family with…

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50 Ideas To Help You Get Out of Debt!

January 17, 2021
| No Comments
| Education

The post 50 Ideas To Help You Get Out of Debt! appeared first on Penny Pinchin' Mom.

When it comes to trying to get out of debt, I’ve seen and heard it all.  From the person who gets three jobs to the guy who sold his dream car – just to make it all happen.  It got me to thinking – what are some of the craziest ideas out there to help … Read More about 50 Ideas To Help You Get Out of Debt!

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4 Practical Ways to Leave College Debt-Free

January 17, 2021
| No Comments
| Credit Repair, Student Loans

The following is a guest post by Lisa Bigelow, a content writer for Bold. When it comes to paying for college, the anxiety about how to leave college debt-free starts early. And for thousands of grads who are buckling under the weight of monthly student loan payments that can cost as much as a mortgage,… Read More

The post 4 Practical Ways to Leave College Debt-Free appeared first on Credit.com.

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Spouse Has Bad Credit? How It Affects You.

January 17, 2021
| No Comments
| Credit Repair

Spouse Has Bad Credit? How It Affects You It wasn’t until a few months after my husband and I got married that I decided to check both our credit scores. While my husband’s credit score wasn’t horrible, it certainly didn’t…

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The post Spouse Has Bad Credit? How It Affects You. appeared first on MintLife Blog.

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Accredited Asset Management Specialist (AAMS)

January 17, 2021
| No Comments
| Credit Card News, Financial Advisor, Investing

New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify investment opportunities as well as help clients with other financial … Continue reading →

The post Accredited Asset Management Specialist (AAMS) appeared first on SmartAsset Blog.

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Tipping Etiquette in the Time of Coronavirus: How Much Is Enough?

January 16, 2021
| No Comments
| Airlines, Budgeting, Home Design

From curbside pickup to alcohol delivery, there are many services that warrant a tip, but the etiquette on tipping during a pandemic isn’t always obvious.

The post Tipping Etiquette in the Time of Coronavirus: How Much Is Enough? appeared first on Real Estate News & Insights | realtor.com®.

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9 Tips to Spring Clean Your Budget

January 16, 2021
| No Comments
| Commercial Real Estate

The post 9 Tips to Spring Clean Your Budget appeared first on Penny Pinchin' Mom.

Many of you have a spring cleaning ritual.  It is the time of the year when you wash the windows, air out the bedding and declutter.  However, have you ever thought about checking your budget? That may sound crazy, but it is really is the perfect time of the year to really take a good … Read More about 9 Tips to Spring Clean Your Budget

The post 9 Tips to Spring Clean Your Budget appeared first on Penny Pinchin' Mom.

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