Archives by Tag 'spending'

Marital Spats in Retirement

By Linda Leitz - Last updated: Tuesday, May 9, 2017

Marriage is a financial partnership. When people are married during their working years, they each generally have their own job – whether that job is in the paid workforce or working in the home. It’s common for one spouse to make most of the money. Often the other spouse is either a secondary earner or […]

New Retirement

By Linda Leitz - Last updated: Friday, February 17, 2017

The definition and expectations of a working life and retirement have shifted through the years. They continue to shift, both out of our changing desires and out of necessity. When the safety net of the Social Security system was introduced in the US, unreduced benefits were available at age 65, but life expectancy was only […]

Your year end financial report card

By Linda Leitz - Last updated: Tuesday, December 22, 2015

As the year draws to a close, it’s a good time to take a look at your financial situation. That will prepare you to set your financial priorities for the coming year.   First, what’s your debt level? Did it increase during the year? If so, why? Having productive debt, like a mortgage or manageable […]

Financial Tips for the Not Wealthy

By Linda Leitz - Last updated: Thursday, August 14, 2014

Many people say they don’t have enough money to do financial planning. Planning isn’t just for folks with lots of money. In fact, if you feel like you don’t have much money, managing it well is really important. Planning isn’t just complex financial strategies to maximize wealth. It’s also handling your finances with intention and […]

Budgeting Through Substitution

By Linda Leitz - Last updated: Monday, May 12, 2014

Too many of us cringe when we think about cutting back on what we spend. Creativity and substitution can make spending reductions more painless – maybe even fun. Here are a few ideas. Movie outings. Lots of movies are just as good on a home screen. A movie in a theater tends to run $5 […]

Creative Budgeting

By Linda Leitz - Last updated: Tuesday, April 8, 2014

There’s a common misconception that budgeting is for people who can only make ends meet if they know where every single penny is spent. It’s really about using your money wisely and in accord with your goals. So if you are completely on track to have a financially secure retirement, pay your credit cards off […]

Financial Tips for Young Adults

By Linda Leitz - Last updated: Monday, March 3, 2014

A good start can make all the difference between a solid financial life and working to clean up a money mess. Here are a few pointers that involve spending less than you make. That may seem obvious, but if that’s so, why do so many young people have high credit card balances that they don’t […]

Three Financial Mistakes for Young Adults to Avoid

By Linda Leitz - Last updated: Tuesday, February 7, 2012

There are some great financial strategies that make a sound financial life achievable. There are also some mistakes that can slow down or stop a young adult from getting started on a good financial path. 1. Avoid bad debt. It’s easy to live beyond your means. Credit cards can be a convenience, but in the […]

Dancing in the Rain

By Linda Leitz - Last updated: Friday, November 28, 2008

About the time that clients were receiving their monthly statements on their investment accounts, my business partner and I noticed an influx of calls and e-mails.  The general question being asked was “Am I okay?”  We work to position our clients in all aspects of their financial lives to make it through difficult financial times.  […]

Looking at Next Year

By Linda Leitz - Last updated: Tuesday, January 1, 2008

Now that you’ve looked at where you’ve been financially in the past year and you’ve seen how you did on some financial basics, it’s time to look toward a financially responsible future.    On the areas where you spent more than you believe you should have, make a spending plan for those items for the […]