It doesn’t matter whether you love it or hate it, you need to be smart about your money. A spending plan can keep you from making expensive mistakes and helps you recover from mistakes you may have already made. It’s your money and by being intentional about your spending you can better align your money with what is important to you.
.jpg)
We help manage the complexities of your finances so that you can make smart financial choices. Many of these choices present themselves during times of life transitions such as marriage, retirement, inheritance, a suddenly single event and many more.
Does an unexpected car or home repair blow your monthly budget? Do you feel like you’re never able to save enough for a vacation? Do you worry about whether you’re going to have enough for retirement but you don’t even know what you have?
If the answer is yes to any of these questions, you could benefit from a cash flow management system like Bucket Budgeting.
Not only does it help create the framework around which money decisions should be made during one’s lifetime, but it also creates the knowledge to help one adequately plan and prepare for the future—whether that be proactively planning for a short-term goal or more commonly, planning for retirement.
We see it time and again--some clients struggle with paying bills. It’s not that they don’t have enough money. It’s that they don’t have a workable system and sometimes miss a payment or have to dip into savings for a big bill.
We’ve investigated a number of systems from budgeting apps to three tiered cash flow management systems. However, they all seem a little overkill to us. We’re into simplicity. Below is our four-step process to paying bills on time with little fuss.
Retirement can be an exciting phase to plan for, but the age at which you retire may have a significant impact on your cash flow boiling down to one huge factor…health insurance.
It’s becoming more common for people to continue working until they reach the magical age of 65, Medicare age. As healthcare costs continue to rise, it’s extremely important to have a plan in place for how you will pay for it and how that cost might affect the affordability of other goals you may have in retirement.
