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What To Buy In October PDF Print E-mail

By Melissa Tosetti

Deal News is one of my go-to resources for researching what to buy when.  The simple process of timing your purchases can save you thousands of dollars a year - leaving that money available for more important things. 

Lindsay Sakraida, features director for Deal News, put together a list of the best deals for the month of October.  Cars, costumes and camping gear made the list as well as Thanksgiving airfare. 

Our cruise loving readers will be thrilled to know there are deals to be had on repositioning cruises as ships are moved from one itinerary, such as Alaska, to another, such as Mexico.

For a full list of October deals click on Lindsay's article, Don't Wait Until Black Friday! 9 Deals You Should Buy Now.

 
Save on Your Smartphone Plan PDF Print E-mail
By Melissa Tosetti
 
When I work with clients to create Spending Plans, we look for ways to help them plug their financial leaks so they can focus their money on what's most important to them.
 
An area that always gets scrutinized is cell phone plans.  Because everyone has different needs, there is no right answer when it comes to picking a plan. 
 
When doing a little research for a client the other day, I stumbled on an article by Clark Howard, one of my favorite personal finance authors.  The article titled, Smartphone and Data Plan Guide for 2014, helps you compare plans so you can find the best deal for you and your family. 
 
If you think you're spending too much on your cell phone bill, check out the article and think about what you can do with the money you'll save by switching plans!

 
Take Advantage of Labor Day Weekend Sales PDF Print E-mail

By Melissa Tosetti
 
Labor Day Weekend is the unofficial transition between summer and fall.  Retailers have created a tradition of offering deep discounts to encourage consumers to use their extra day off to shop.  Listed below are just a few of the items you can pick up at some of the best possible prices during the holiday weekend. 

Office & School Supplies
Now is a great time to not only stock up on school supplies for your children, but home office supplies as well.  Just make sure to only purchase what you're going to use.

Home Improvement
Paint and other home improvement products will be on sale this weekend as retailers know we'll have an additional day to get home projects done. 

Automobiles
With 2015 models rolling on to car lots, dealers are anxious to liquidate their older models.

Outdoor Living
Desperate to make room for Halloween and Christmas items, retailers will offer fantastic sales on patio furniture, BBQs and other outdoor living products.

Clothes
Thanks to a competitive market, Labor Day sales are hitting clothing stores a week early!  For a list of stores and their discounts, check out Labor Day Sale Prices Are Here.

Beyond Labor Day
The sales don't necessarily end when Labor Day is over.  Stores are trying to get rid of excess stock in anticipation of their most lucrative season of the year - the fall and winter holidays.  Throughout the month of September, pay attention to your favorite stores sales ads and take advantage of the great discounts.  Just remember, only purchase what you're actually going to use.  

 
The Power of $6.58 PDF Print E-mail
One of the reasons people hesitate to begin putting money into a retirement account is because they feel like they can't contribute enough to make a difference.  And yet you read stories of school teachers, librarians and bus drivers who managed to accumulate millions of dollars on small salaries.  How do they do it? 
 
In the article, How to Turn $200 a Month Into $5 Million, Patrick Morris demonstrates how just $6.58 a day can transform into $5 million.
 
The key to is to stop making excuses and just do it!  Call your financial advisor right now and ask them to increase your monthly contributions or call your HR department and ask for the forms you need to start contributing to your 401k. 
 
 
 
Easily Manage Those Annual Expenses PDF Print E-mail
By Melissa Tosetti
 
Over the last few weeks, a common theme that has popped up with clients is how to manage those annual expenses so they don’t negatively impact a single pay period.   
 
Even if you’re a rock star at managing your daily and monthly expenses, taking your pet in for an annual checkup can throw you completely off. 
 
The easiest, and least painful, way I’ve found to manage these expenses is to set aside money for them with each pay period. 
  • Start by listing the expenses that come up on an annual or semi-annual basis such as:
    • Car Registration
    • Pet Check Ups
    • Car Maintenance
    • Property Tax
    • Insurance Premiums
  • Add the expenses and then divide that number by the amount of paychecks you receive each year. 
  • Finally, set up an automatic transfer of that amount to a savings account that is specifically set aside for those expenses. Do not put it in with your Emergency Savings or a Travel Savings account. It’s too easy for that money to get used for other expenses, or visa versa.   
If annual expenses are typically a stumbling block for you, take 30 minutes today to set up the process. It will immediately pay off for you both financially and emotionally!  
 
 
 
 
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