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Tag: savings

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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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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The post June Financial To-Do List + Calendar appeared first on MintLife Blog.

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Check-In: Expecting Couple Struggling with Debt, But Future Looks Bright

January 17, 2021
| No Comments
| Frugal Living

When I first connected with Julia and John, the Queens, NY couple was expecting their first child and grappling with some debt, a lack of savings and income prior to the baby’s arrival. The couple was basically living paycheck to…

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The post Check-In: Expecting Couple Struggling with Debt, But Future Looks Bright appeared first on MintLife Blog.

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What Are Mutual Funds? Understanding The Basics

January 17, 2021
| No Comments
| Financial Advisor, First Time Home Buyers, Investing, Personal Finance

If you’re one of those investors with very little time to research and invest in individual stocks, it might be a good idea to look into investing in mutual funds. Whether your goal is to save money for retirement, or for a down payment to buy a house, mutual funds are low-cost and effective way …

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The post What Are Mutual Funds? Understanding The Basics appeared first on GrowthRapidly.

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5 Money Questions to Ask Before Marriage

January 17, 2021
| No Comments
| Family Finance, Find An Apartment

If you’re tying the knot you may think engagement, wedding and honeymoon. Here’s why a financial discussion should also be part of your plans.

The post 5 Money Questions to Ask Before Marriage appeared first on Discover Bank – Banking Topics Blog.

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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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The post Guide to Managing Finances for Deploying Service Members appeared first on MintLife Blog.

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Set Financial Goals for Yourself

January 17, 2021
| No Comments
| Education

Everyone wants to have more money, less debt, and greater financial freedom, but very few will attain it. Simply telling yourself that you’ll earn more cash and clear more debts isn’t enough to realize those goals, but writing those tasks down, setting realistic targets, and steadily working towards them can significantly increase your chances.  Nothing […]

Set Financial Goals for Yourself is a post from Pocket Your Dollars.

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Should You Make Payments During Coronavirus Student Loan Deferment?

January 17, 2021
| No Comments
| Debt, Education, Student Loans

As Americans grappled with the financial consequences of the pandemic in March of this year, the federal government took several actions to help cash-strapped consumers. For starters, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in late March of 2020, which included a temporary suspension of payments and interest for government-owned student […]

The post Should You Make Payments During Coronavirus Student Loan Deferment? appeared first on Good Financial Cents®.

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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!

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

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Things Break. How to Make Sure Your Emergency Fund Can Cover Them

January 17, 2021
| No Comments
| Debt, Education, Side Gigs

Things seem to have a way of breaking down at the worst times. Here’s how you can make sure you’re prepared for the worst.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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