Most of us aren’t writing many checks these days, but we are still spending money and receiving payments. In the old days, there were only two ways to withdraw funds from your bank account: write a check or hand over a withdrawal slip to a bank teller. You deposited funds in person at the bank. Then with the marvelous innovation of ATMs, it was no longer necessary to go into a bank to withdraw, deposit, or transfer money. Today you can pay bills online through your bank’s website or app, or through apps such as Venmo, Zelle, & CashApp or transfer funds to and from PayPal. Your paycheck is most likely deposited directly via EFT. All this said, how and why do you need to balance your checkbook even if you are not writing checks?
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COVID-19 and the closing of the economy has resulted in a lot of layoffs, temporary and permanent. Being let go from a job because of cutbacks is even harder than being fired. You know you’ve done nothing wrong. You understand why it’s happening, still, you feel that you have done something wrong or that your employer didn’t value you. In case you have fallen victim to the corona virus in the way, here are some do’s and don’ts of how to endure a layoff with grace.
Being prepared for whatever life throws at you is so important. This became glaringly so to me recently as a client of mine suddenly lost her husband. One of the first questions she had for me was what to do when a spouse dies. Isn’t there a checklist? As a result, I hope this will help any of you who may need this or at least prove to be a source of help to which to refer.
While I’m sure that the first thought on your minds in the age of COVID-19 is not making big ticket purchases, the economy is bound to get better, and life will go on. You may, indeed, be thinking of such because of spending so much more time at home, so …. consider the following in between Zoom classes and Skype meetings and what not. To assist you here are ways to help you decide how to buy big ticket items.
Just like every other aspect of your life, “doing your taxes” can be vastly improved by a bit of planning and organization. The best time to get organized for the IRS is BEFORE tax documents start landing in your mailbox, or online accounts. Spending 15 minutes the first week of February will save you time when it comes to meeting with your tax preparer, certified public accountant, or sitting down with TurboTax. It will also help avoid potential refund delays or IRS penalties if you end up owing this year. Here are some tried and true tips on getting organized for the IRS.
Have you explored the use of grocery shopping and delivery services yet? How do you get the best value from services like Instacart, Amazon Subscribe and Save, Prime Pantry, Peapod, and other grocery shopping services?
You’ve just gotten engaged. Now the fun part begins! Planning your big day. By this time next year, you and your fiancé will either be exhausted or ready to elope to Vegas. Here’s how to organize yourself for a fantastic wedding from that first “Yes” to ensure your day is all you – not your mother, grandmother, mother-in-law, the man on the moon – want it to be.
The old adage that diets – food, financial or otherworldly – don’t work is true. A diet is a temporary restriction or elimination of something to reach a specific goal. Studies have shown that most food-related diets fail. Instead of dieting, setting up a strict budget, or restricting something you love (that is otherwise healthy in small amounts), focus on purging unhealthy food, financial, and procrastination habits. The scale and your savings account will almost invariably follow. Here’s how to get rid of those unhealthy habits!
Credit card debt is the white elephant in everyone’s checkbook. No one wants to talk about how much debt they have or have accidentally walked into. All of those store card application offers you accept to get your percentage off…
The sun has been shining, and it has been hot around New England. By now, you should have a bit of color on your skin, and a sufficient amount of vitamin D. As you’re enjoying these beautiful summer vibes, you…