Your financial focus: saving, NOT spending

When it comes to finances, the questions clients ask usually are along the lines of “can I afford this?” or “should I buy that?” Those seem innocent enough, but then it occurred to me that the focus with money is almost always on acquisitions and affordability – NOT the big picture. There are far more …

Introducing the Sound Financial House

Keeping your “financial house” in order is a complicated, time-consuming and a life-long project. There are a lot of risks and opportunities to consider, and many find the challenge overwhelming. Am I on the right track? What am I forgetting? Am I truly succeeding? The stakes are high – your family’s quality of life now, …

Avoid extreme saving, why you want a balanced plan

Have you known people to live on the edge of financial extremes? A recent college grad paid off $150,000 in student loan debt within the first three years working by never eating out, no vacations and living in his parent’s basement. A happily married couple retired before the age of 40 by going vegan, composting …

College savings plan: Pay you first

Student loan debt crossed the trillion-dollar mark in 2014, becoming the second largest sector of household debt behind mortgages. Two-thirds of college graduates leave school with student loan debt. Parents want their children to enjoy a lifestyle greater than their own, so what can you do to make sure that happens? One answer may surprise …

Financial unrest – don’t throw away your plan

Before writing this article, I searched financial unrest to see what was written on this topic and nothing even closely related to this serious financial condition came up. It seems that somehow no one talks about this and it is one of the most dangerous financial times any of us will ever experience. There are …

The pros to reviewing your finances early

As we approach the 2017 holidays this upcoming season it is time to reflect on your financial year as well looking into your financial future for 2018. By starting the conversation off with how well you performed this year so we can get a better understanding on what needs to happen for your finances in …

The forgotten retirement expense

No one likes to think about how to prepare for the possibility of needing help with daily life. When meeting with most clients, one of their least favorite things to talk about is when they might need help with long term care related issues such as bathing, eating and being able to perform their basic …

Money lessons that are important to pass along

The journey our children go through in life from a baby to their toddler years, to a teenager, to their eager years of adulthood can happen so quickly or it can feel like eternity. Throughout life you will teach your children many lessons that will help shape them while creating memories that will last a …

Ring in the new year with your finances

The New Year is the perfect time to get a fresh look at your finances. Why? Because most people are ready to start fresh with something new. Whether it be weight loss resolutions, new adventures, and typically financially success. Everyone is ready to jump start the new year with an optimistic mind set and investigate …

Finding a balance between life, debt and financial freedom

People tend to spend more money during the holidays then intended. This can result in unexpected debt and leave someone starting the New Year with their finances on the short end. Learning how debt works will teach you short term and long-term financial lessons when it comes to purchases. Read more here. Article-Paying-Down-Debt_Carlin-Nov-2015