Dear Friends,
Happy New Year! I hope 2012 is a healthy and happy one for you and your families. To ensure you also have a stronger financial year, I’d like to share the following five tips.
· Take the time to really look at your income and expenses. Make a spending plan and pledge to live within your means. If you can, give some or more to charitable organizations and/or neighbors in need.
· Can’t seem to save? Have your employer deduct an amount from each paycheck. Most likely, you’ll never miss it.
· Build up six to nine months of living expenses – just in case.
· If you have too many credit card bills, investigate a consolidation loan. You’ll save a lot in interest and definitely know when the payments will end. In the meantime, pick one card with no fees and the lowest interest rate and keep it for emergencies. Cut up the rest –REALLY!
· Teach your children the value of money. If you give them an allowance, show them how to budget. Don’t keep giving them more when they overspend. Be tough but fair. If they want something ridiculously expensive, make them pay for half of it. Do your best to be good examples.
If the Harvest team can help you better manage your finances, please let us know. Our representatives are here to serve you.
Regards,
Dennis Engle
President & CEO
