Jill Russo Foster

Tips for Successful Personal Finances

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America Recycles Day

Thursday, November 15 is America Recycles Day!

I have always been someone who recycles.  My mom started me recycling when we were growing up.  That all I knew and we still continue to this everyday in our household. We separate our deposit cans/bottles to return to the store, we sort our plastic, metal and glass for trips to the town’s transfer station and we shred and recycle our paper items.

For those other items, we participate in special days throughout the year. Here are a few in our area:

  • Light bulb day – we are able to turn in used light bulbs for new ones
  • Prescription / Over the counter medicine – we turn in on that day of the year

And now, we have America Recycles Day this week.  You can turn in a variety of items in your local area.  For more details of what is available in your area, go to America Recycles Day.  In addition, Staples has make this day a week long event from November 11 to the 17, they will accept your old electronics and give you a coupon towards your next purchase (see Staples for details).

For more information on places to get rid of items, please check out my resources page for more suggestions.  If you have a place that you use that’s not on our list, please let us know.

If you want to reduce what coming in, here are some other great links:

Take advantage of this and other recycling days in your area.

 

 

 

Today’s The Day To Vote

Vote Box by j4p4n

 

If you are like me, you probably have been flooded with phone calls and mailers.

Today is the day to make your voice heard.  Get out an cast your vote.  This is your chance to vote for the candidates / issues you believe will do the best for your state and our country.  If you haven’t voted early (some states let you), please get to the polls to make your voice heard today.

Are You Missing Money?

Do you ever get that feeling you are missing some money?

Last week the Secretary of State for Connecticut reported that 52,994 names were added to the unclaimed money list for the state.  The unclaimed money list is a big list of names (individuals, companies, non-profits and more), that each state maintains from institutions that turn over money to them.  You may be asking why would an institution turn over your money to the state?  Good question, these are funds from accounts that haven’t had any activity in several years.  Here are a few examples:

  • An in active savings account
  • Proceeds from a check not cashed
  • Unclaimed insurance polices proceeds

This past weekend, I did a search for myself and members of my family.  I didn’t find any results this time, but I have in previous attempts.  In the past, I found a few share of stock that I inherited and the proceeds of an old life insurance policy my father.

When was the last time you checked?  Don’t forget to check in every state you have lived in.  Remember that there is no fee to claim unclaimed money.  If you are asked to pay a fee – don’t.

Here’s an old article I wrong on this for more information click here.

 

Fourth Quarter To Do’s

Can you believe it, it’s fall and the year end is in sight!choices

For me, there is lots to do (and I am not thinking the holidays yet).

This time of year means it’s time to review my health insurance choices.  Open enrollment for health insurance is here (or just a week or so away).  Medicare is already in the open period, the state of CT will open up the 1st of November and many company plans have the open enrollment at this point too.  It’s time to reevaluate and determine if I want to stay on the same healthcare plan or make a change.

If you have a FSA (Flexible Spending Account), start to look at the balance and determine how to use the funds.  This is a use it or lose it type of account. You wouldn’t want to lose money, would you? If you have an HSA (Health Savings Account), have you maximized your contributions for 2018?  This can be a great way to lower your taxable income.  Make sure you pay all your eligible medical expenses with this account.

Take the time now to do your research and make the choices that are right for you and your family now.

We’re Back From Our Anniversary Trip

This year we celebrated our anniversary with a Pacific Northwest cruise.

Back in the early summer, I wrote two newsletters about planning our fall vacation.  We are back and wanted to share the trip with you.  Here’s the link to the two earlier newsletters – first and second issues to remind you of the details.

We took a Pacific Northwest cruise out of Seattle with stops at Astoria, Oregon, San Francisco, California and Victoria, BC and few days in Seattle too.

With all this planning and paying ahead, we spent very little on the actual vacation.  Mostly everything was paid (or paid with points / miles) in the months before as our budget permitted – hotel, cruise, airfare, attractions and some meals were included.  We selected hotels with breakfast included, bought City Pass’ (discount admission to attractions) and walked and/or public transportation.  Lots of steps – over 21,000 in San Francisco in one day!

Yes, there was a lot of research and planning, but this step saved us money and we have fun – lots of money!

Here we are at the Space Needle.  To view more photos, visit our Pinterest page.

The Mindset of Debt

There are times in life we all have had debt, sometimes more than others.  If your resolution is to payoff your debt once and for all, it takes conscious efforts on your part.

This is a great article about breaking your spending addiction, not only paying off your debt but staying debt free.

Saving Money

I am always looking for ways to save money.

Some of the ways that can help you do this is to be on top of your finances.

Let me tell you what I recently did.  We purchase a bark collar for the puppy and within a week, the battery was flashing low.  Instead of going to the store to purchase a battery, I brought the receipt and all the original packing back to the store and explained the situation.  The store manager gave me a replacement battery pack.  Not only did I get the battery replaced free, they gave me an additional battery for the future.

Another example, I purchased something online that wasn’t what I expected.  I was told there was a no return policy after opening.  I explained that I did open it and that’s how I knew it wasn’t what I expected.  After several emails back and forth, they agreed to a return minus the restocking fee.  Yes, I am getting less than I paid, but it is most of the money refunded and it’s not another item sitting in my house, that I won’t use.

Sometimes you can advocate for yourself and get a resolution to the issue that is wallet friendly.  Try it sometime.

Other ways to save money, you can stick with what you own and not purchase the latest and greatest new option.  Our TV/Internet provider wanted to give us faster internet.  The catch was it would be an additional $5 more per month.  We said “no”.  There is nothing wrong or slow with what we have now.

Savings a few dollars here and there can add up.

Are You Nearing Retirement?

No (or minimal) retirement savings!  If you are getting up there closer to retirement, this can be a scary thing.

Suze Orman wrote this great article, that there can be hope and it’s not too late to start or catch up on retirement savings.  Help! I’m 55 and Have No Nest Egg

You can do anything you set a goal to do.

In One More Day

You have heard about all the security breaches – from major retail chain stores to credit bureaus and more.  You can’t turn on the news or read a newspaper without learning about another breach.

Because of this, I have always encouraged you to freeze your credit to lessen your changes of identity theft.  Well tomorrow is a big day for consumers.  Credit report freezes will become free – no more small fee to freeze your credit and another small fee to unfreeze – all this adds up.  As of tomorrow, September 21, 2018 and just after the one year anniversary of the Equifax breach, there will be no cost to freeze your credit.

Please remember that you will receive a PIN with your freeze.  You will need to keep this in a safe place, but not so safe that you forget where you put it to unfreeze your credit.

In addition, fraud alerts will now be available for 1 year (it was 90 days in the past).

Get out there and take advantage of the free credit freeze tomorrow!

FREE Stuff To Do

This Saturday is a big day!  You have so many choices of what to do and it’s all FREE.  Yes, I you heard me FREE!!!!!!

There are two options with many choices for things to do this Saturday, September 22 only.

Option 1 – it’s National Parks Free Day – so you can visit a national park and save on the entrance fee.  Click this link to find out more.  You can check out a local park or make plans to visit one farther.  Don’t worry if you can’t make it this Saturday, there is one more free day coming up later this year.

Option 2 – it’s Smithsonian Museum Day – now is your chance to visit a museum for free, both in your area and across the country.  Check out this link to see which museums are participating and to get your ticket.  You’ll need a ticket to visit for free and you can get that at the website.

Two options for you and your family for this Saturday that won’t break your wallet.  Enjoy!