Jill Russo Foster

Financial Literacy Month – Tip #25

Gift Buying

Here’s the tip from November 15 – The Holidays month:

By now you know who you are going to buy gifts for. You have pared down the list to fit your spending plan. Now is when the rubber meets the road and you actually need to start shopping. You should list a few alternatives for each person on your list, making sure the gifts are within your budget. Begin to check the internet, newspaper ads and whatever else you can think of to ensure you get the best price (or at least a very good one). If you can stand the thought of fighting the crowds remember Black Friday is a time for really great prices or maybe Cyber Monday to shop online.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #24

Your List Continued

Here’s the tip from November 3 – The Holidays month:

Now that you have your list, are there people on it you would like to stop exchanging gifts with? Are you not sure how to do this? Last year I eliminated some people from my list. I didn’t want to be uncomfortable near the holidays if they gave me a gift and I didn’t have one in return. I spoke with these people ahead of time and told them of my thoughts and offered an alternative suggestion of spending time together or a long phone call. I still wanted to be connected with them. This worked great for me. How about you? Are there people you want to eliminate from your list? Don’t be shy about this step, I have a feeling more people want to stop than let on and they will be relieved that you raised the topic for them.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #23

Your Gift List

Here’s the tip from November 2 – The Holidays month:

Make your list of the people who you are going to get gifts for. Make sure you include those “extra people” to whom you usually give a holiday gift. These extras might include your hairdresser, your babysitter, housecleaner, mailman, etc. Also don’t forget people to who’s home you will be invited to and to who you wish to bring a hostess gift. Is it more people than last year or is it less? If it’s more pay close attention to tomorrow’s task. If it’s the same or fewer than last year, you’re in good shape but you should still go through tomorrow’s task just in case.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

111 Ways To Save

Have your been laid off or furloughed? I am sure that you can see that value of having an emergency fund. While you are home more, now is a good time to start to get your finances in order and start to save or save more.

111 Ways To Save is meant to help people with their personal finances think outside the box to reduce their expenses, and getting them started on the path to financial independence.

111 Ways To Save is 10% off in April’s Financial Literacy Month when purchased at JillRussoFoster.com. Select the book and make the purchase through my website / BookLocker and use code 10FinancialMonth to receive the discount.

Financial Literacy Month – Tip #22

Planning Ahead

Here’s the tip from November 1 – The Holidays month:

To reduce your stress, start to plan ahead. For me, waiting until the last few weeks would drive me crazy. If you start now, you can spread your spending out over the next two months and not be as overwhelmed. Today set up your game plan. At a minimum, at a high level it should consist of all the things you need to get done in the next two months.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #21

Planning Ahead

Here’s the tip from October 20 – More Income / Planning Ahead month:

While we are in a month of More Income and Planning Ahead, today would be a good time to begin thinking about your financial future and the documents that you should have in place to make sure things are carried out according to your plans and wishes. Think about this today and over the next few days we’ll talk about the specific documents that I think are absolutely necessary for you to make sure you have taken care of regardless of your age.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #20

Off Season

Here’s the tip from October 15 – More Income / Planning Ahead month:

Think off season. Companies that would be slow and looking for work may give you a better price than when they are busy and in high demand. Off season at this time of year would be patio furniture, barbeque grills, summer clothing, etc. Now might be the time to make the purchase and store it until the time when you can use it.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #19

Lower Rates

Here’s the tip from August 20 – Debt Reduction month:

If you find that you can’t open a new credit card, call your credit card company and discuss your options. Can they offer you better terms? Mention how long you have been a customer and that you have always paid your bills on time. If the first person says no, then ask to speak with a supervisor. This is not scary, they are people too.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #19

Job Benefits

Here’s the tip from October 5 – More Income / Planning Ahead month:

Have you checked out your company benefits lately? No, I am not talking about your medical benefits. I am talking about the perks that some companies offer their employees. Do they have tickets to sporting events? Do they sponsor a community event? Do they reimburse you for classes? All these things add up.

I know that through the company my husband worked for we have gone to car events at no cost (my husband is a big car enthusiast). We saved $20 admission fee each, because sponsors get tickets. When I was growing up, my father was always given sporting event tickets for the family through his work. Ask and see what your company may offer.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Teach Your Children About Money and Finances

Do you want to teach your children about good financial habits?

Cash, Credit and Your Finances

My book Cash Credit and Your Finances: The Teen Years was voted “Best Teen Book” by the Teen Team at Radical Parenting.

Cash Credit and Your Finances: The Teen Years shares basic concepts of managing money including setting and living within a budget, working with a bank, opening accounts, managing credit and debt, paying for a college education, and making major purchases, such as a computer or car. Get your copy today.

Cash Credit and Your Finances: The Teen Years is 10% off in April’s Financial Literacy Month when purchased at JillRussoFoster.com. Select the book and make the purchase through my website / BookLocker and use code 10FinancialMonth to receive the discount.