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Money Management & Your Financial Future

"Two roads diverged in a wood, and I- I took the one less traveled by, And that has made all the difference." - Robert Frost

Everyday people make decisions about how to save and spend their hard earned money. People with greatly different income levels all making choices that effect their financial futures. By making wise decisions you:

  • Purchase a first house.
  • Start your own business.
  • Put away for retirement.
  • Send your kids to college.

No matter how much you make, by establishing a budget, you can reach your financial goals. Here are some good steps:

Determine what your short-term and long-term financial goals are. Be realistic. Make sure to review your goals every six months to stay on track.

Create a list of where you spent your money in a month. By figuring out where the money is going each month you will be able to see areas that you can improve.

If you don't have a savings account open one. Shop around for the best interest rate.

Borrowing money can help towards long-term goals such as education, a car or house. Loans for daily needs is what gets people into financial trouble. Always pay your credit card in full every month. It would take someone 60 years to pay off a $5000 balance on a credit card if they made only the minimum payment and would have paid about $16,000 in interest.







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