budgettips
If you think budgeting and financial planning is only for those getting ready for retirement, think again. Budgeting during retirement is as important and even more so than during your working years because you don’t usually have a steady paycheck to look forward to. That said, budgeting during retirement is based on the same principles as before. Nevertheless, there are new things to look out for that make it extra important to plan ahead, so you don’t find yourself old and broke during your final years on this earth. This is why, in this post, I’ll cover the most important steps to budget ef...
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In hindsight, it makes sense that at the height of the COVID-19 pandemic Americans hoarded more money than ever. In fact, the U.S. Bureau of Economic Analysis (BEA) reported that the personal savings rate hit a historic 33% in April 2020. That does check out between shutdowns and stimulus checks. However, that trend was unlikely to continue. BEA actually notes thatpersonal income decreased by $216.2 billion (1.0 percent) in September 2021. Again, that makes sense as businesses have reopened and there has been a decrease in government spending. While understandable, this is still should raise c...
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As you’re most certainly aware, we’re rapidly approaching the holiday season. While most of us enjoy this time of year, we’re not always thrilled about what this means for our pockets. After all, saving money is impossible between buying gifts, traveling, and cooking feasts — especially if you’re on a tight budget. American shoppers are expected to spend $1,463 on holiday purchases this year, according to Deloitte. That’s 5% more than what people spent in 2020. High-income households are driving the upswing in holiday spending, while lower-income households continue to struggle. Low-income hou...
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Every business leader has unique strategies and leadership styles with the common goal of advancing their organization to new horizons. In line with their leadership styles, they devise frameworks of ideas for up scaling employee engagement, employee retention and performance management. The ultimate objective is of course to guide an organization to higher profitability that is a realistic measure of the success of a business. Speaking of leadership styles, some leaders and managers are inclined to a micromanagement style of leadership. On the other hand, some managers have a knack for managi...
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