Sure, January 1 has already come and gone, but it isn’t too late to get your finances in order for the New Year! Whether you felt in control of or controlled by your finances in 2018, there are usually improvements that can be made to help you reach your financial goals, develop good habits to save money, and feel more organized—a financial New Year’s resolution, as it were.
Are you living paycheck to paycheck or has your income decreased from a life-changing event like losing your job? Many Utah families are struggling to make ends meet every month and have no financial wiggle room for additional expenditures for holidays or birthdays or in the event of an emergency.
In addition to creating a realistic budget and cutting splurges like your morning coffee ritual and eating out, you can greatly reduce monthly expenses by spending some worthwhile extra effort. Simple changes you make to quit overpaying for necessities and identifying things you can cut out to save money will give you a little more padding in your budget every month.
You can spend less on a wedding and still have a wonderful ceremony. Here are more than a few ways you can save money on a wedding.
Start with a budget, and treat your budget as sacred. Start by setting a hard maximum amount. Tally up all the expenses as you plan the wedding. Leave a small buffer of 5% or more for unexpected expenses.
If in doubt about what should stay and what should go, give the items on your list a ranking. Prioritizing what things are most important to you can help you cut away the things that aren’t, should the need arise.
Budgeting can seem difficult, especially at the start. When you look at your budget dynamically, you can start to see some of the things that can help you both stick to it and even improve it. Here are some smart financial decisions you can make to help you get the most out of your budget.
Being a father is a special responsibility. It is good to appreciate the efforts our fathers have put into improving our lives. There is no better way to show that you love your father than buying him a gift in the upcoming Father’s Day. You don’t have to break the bank to buy an awesome gift for him. Here is our list of some fun gifts you can give your father this great day for less than $25. (more…)
May 13 is a very special day for all of us as it’s the one day we get to cherish and celebrate our moms. If possible, start saving for the mother’s day gift to avoid finding yourself in a horrible situation where you have scarce and limited funds to even afford the simplest gifts. You’ll find this informative piece to be a true lifesaver as it talks about a brilliant financial solution for those in dire need. (more…)
Looking to cut corners on your wedding budget but not look cheap? There are all kinds of sneaky ways to save money that no one, not even your nit-picky grandmother will notice. Likewise, there are certain things that are worth spending money on that you don’t want to forsake on your special day. When it comes to wedding planning, it’s easy to go over budget and dividing the needs from the wants is key. (more…)
It has taken 3 decades to have new tax reforms, and finally, it’s here with us. The largest tax reforms legislation will definitely affect taxpayers in so many ways. The effects will, however, be evident in 2019 since in 2018 people will be filing their 2017 returns. Most of us are probably wondering how these tax reforms will impact us. But don’t worry since we have covered some major tax provisions and how they will affect you: (more…)
2018 is here with us, and as always, many of us have New Year’s resolutions we want to accomplish before the year ends. Starting in January, most of these resolutions are put into action, but come March, we have given up on most of them and only a few can survive until the end of the year. Most of our resolutions don’t go through because they are too unrealistic or too broad. Money saving is always top on everyone’s resolutions list. Whether you are doing it to get out of debt or to build up some cash for leisure and emergencies, you need to split your goals into smaller achievable bits. You can do so by doing some money challenges. They involve saving a specific amount of cash daily, weekly, monthly, or quarterly. If it’s been hard for you to achieve your saving goals, here are some of the money challenges you can try this year:
Did you know that the most significant St. Patrick’s Day celebration was held in the United States and not Ireland in 1762? Since then, March 17 was set aside to honor and celebrate Irish-American culture in the U.S. The celebrations mostly focus on Irish themed food, drinks, and dressing. If this day finds you in Utah, these are fantastic places to commemorate Irish heritage and things to do.
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