by onpoint | Oct 19, 2015 | Economic Development
We can’t get to where we are going until we know where we want to go and have a plan in place to get there. Our Journey to Financial Well-Being will include tips and tools you can utilize to reduce your debt and increase your savings. This month we will offer some tips from “feedthepig.org” that will show you how small changes can lead to BIG CHANGE in your pocket! These tips are just in time to get a head start on our New Year Financial Resolutions. Weekend Tripper Plan ahead! Airfare and hotels are cheaper when booked in advance. If possible, plan vacations during off-seasons. Stay in accommodations with kitchens. Cook dinner most nights, saving dining out for a few special evenings. Lunch Lover When you go out for lunch, order water instead of drinks. Restaurants make a lot of money from the high markup on beverages. If you can, store some food at work, like snacks, frozen entrees and canned soup. Leave them at the office so you’re not tempted to spend when you’re hungry. Cook extra when you make dinner and freeze in individual containers. Take it out of the freezer the night before. Clothes Clothes Clothes Never buy clothes at retail price! If you see a “must have” in the store, note the label and style number, you can often find it cheaper online. Bargain hunt and compare prices online. (Just watch out for hefty shipping and return fees.) Shop at consignment stores. You can save big on designer items, and sell things you don’t wear anymore. Dining Out Avoid Appetizers; or, if out...
by onpoint | Oct 19, 2015 | Economic Development
We can’t get to where we are going until we know where we want to go and have a plan in place to get there. Our Journey to Financial Well-Being will include tips and tools you can utilize to reduce your debt and increase your savings. This month we will feature Holiday Savings Tips. Here are a few ways we can keep our Holiday Spending under control: Look at your current finances and determine your holiday budget. – Make sure your monthly bills, savings, and church contributions have been covered with your income first. Next you can begin to plan your holiday budget keeping in mind that you do not have to go in debt to show how much you care! Avoid the Binge – Set a limit and stick with it. To make holiday budgeting easier, you can obtain a Visa gift card with however much money you budgeted to spend towards your holiday gift giving. Once that is gone, that is it! Revamp your gift ideas – Get creative! Holiday cards can go a long way to show your appreciation. Consider stocking stuffers with candy and gift cards for adult children. If you have a large group to buy for, consider a White Elephant Gift Exchange. Each person only has to buy one gift and everyone gets a gift. Set a budget and have fun! Start your shopping list early and shop online – Black Friday is a popular shopping day, but there are many great sales that happen throughout the year. Shopping online helps you save gas, easily comparison shop, and take advantage of free...
by onpoint | Oct 19, 2015 | Economic Development
We can’t get to where we are going until we know where we want to go and have a plan in place to get there. Our Journey to Financial Well-Being will include tips and tools you can utilize to reduce your debt and increase your savings. This month we will feature a webinar from the “dfree Financial Movement”. This free webinar gives an overview of the dfree 12 Steps for Financial Freedom from Debt. This webinar helps you begin to plan your route to financial freedom and set the pace to get...
