Financial Basics

Getting Organized

Take Control

Build Your Credit

Banking Basics

Taking the Next Steps

Determine Financial Goals

Creating a Budget

Building Your Career

Borrowing Basics

Investing for Your Future

Investing 101

Saving Strategies

Choose the Right Investment

Investing Online


Increase Your Earning Power

Tuning Your Career

Negotiating for Success

Changing Careers

Going Back to School

Starting Your Own Business

Smart Borrowing

Take Control of Your Debt

Paying for Major Purchases

Getting a Loan

Finance an Education

Managing Your Finances

What's Your Net Worth

Managing Daily Finances

Tax-Planning Strategies


Plan for Financial Success

Creating a Financial Plan

Achieving Short-Term Goals

Plan for Long-Term Goals

Retirement Planning Basics

Investing Wisely

Investing Considerations

What's Right for You?

Investing Techniques

Preserving Your Wealth

Reallocating Your Assets

Insurance Options

Wills and Trusts

Plan for Heirs

Gifting to Family & Charity

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Take Control of Your Money

It's not how much money you make but what you do with your money that really matters. Contrary to popular opinion, financial security can be based on a very modest income. What it comes down to is how you spend and learning how to spend less than you earn.

Little Things Add Up
Many of your large monthly expenses are probably fixed, such as your rent/mortgage, car or student loan payments. But it's the variable expense category that can easily get out of control. It is so easy to pick up a daily coffee and bagel, magazine, or a new DVD because individually they don't cost much.

But if you pick up a coffee and bagel everyday for $3.00, over the course of a year that $3.00 grows to almost $1,100. The little things can really add up and cost more than you realize.

Everyone can afford to save money
Finding money to save is easier than you think. If you decided to make your own coffee and bagel in the morning, you could save $3.00 a day and put $90 pre-tax dollars into your 401(k) or IRA account monthly. The sooner you start, the faster it all adds up. Three dollars a day can make a big difference to your financial security.

Control your money
Of course, no one is recommending that you eliminate every indulgence because some of these small expenses probably enhance your enjoyment of life. But everyone has some purchases they could reduce to help reach their financial goals. Here are some ideas that can help you control your money:

  • Write down each expense. Try it for a week and keep a record of absolutely everything you spend. You'll begin to see how the little things add up.
  • Only pay cash. It's a lot harder to hand over cash than it is to use plastic. This helps cut down on impulsive purchases.
  • Wait a day before buying anything over $100. If you really want it, then you'll go back to the store and buy it. But there will be times when you decide not to purchase it and save yourself $100 or more.



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