Jill Russo Foster

Tips for Successful Personal Finances

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Financial Literacy Month #5

As we get closer to Spring, are you ready to explore the outdoors?  April 19 is one of the days that you can go to a National Park for free.  Other days this year are June 19, August 4, September 27 and November 11.  We have seen a few but have more to see.  Last year we went to Mount Rushmore and Badlands. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #4

Curious about your credit score?  You can get a close approximation of your score through some bank and credit card websites or through the credit reports bureaus Quizzle, Credit Karma or Credit Sesame.  These are all free to see an approximation of your credit score. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #3

Credit Report ShockWhen was the last time you viewed your credit report? Check out your free report at www.AnnualCreditReport.com today.  According to the Federal Trade Commission, 1 in 5 people have an error on one or more their reports.  Errors can make a difference on getting approved or declined for credit requests and what interest rate you are offered. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #2

Now is the time to adjust your tax withholdings depending on whether you are getting a refund or owe money on your tax return.  We have changed ours this year as we are loaning the government our money for a year without interest.  Adjusting your W-4 is easy to do with your Payroll Dept. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #1

Do you still need to file your income tax?  You can file directly for free with IRS Direct File.  If you need assistance with your taxes, use can use VITA (Volunteer Income Tax Assistance) or TCE (Tax Counseling for the Elderly). Remember to check out the locations near you and the requirements for each service to make sure you qualify. #JillRussoFoster #FinancialLiteracyMonth

Save More for Financial Literacy Month

emergency-savings

Emergency savings are for when your car breaks down. It’s for an unexpected medical expenses. It’s for covering your bills if you’re between jobs.  It’s for unexpected home repairs. An emergency is something that must be taken care of right now or you won’t be able to get to work, have a place to live, or when you might have to choose between medical bills and utilities.

What it’s not: a savings account for things you think you need. No matter how much you think need to book a cruise, a nice vacation is a want. You will survive if you vacation at home with trips to the local beach. You will also survive without a smart phone, or cable TV, or a Kindle. You get the idea.

Once you have an emergency savings equal to one year of your expenses (yes, I said one year), then you can start saving for the fun things you want in life. Today, plan on how you are going to start saving for emergencies. Set up a regular savings amount from your pay that automatically goes to this account.

Our Financial Literacy Month Tips were From Thrive in Five

I was so happy to give you a month of savings ideas for Financial Literacy Month. I really hope they inspired you to think about your future and what you can do today to make your dreams a reality.

Every tip I shared with you was from my book, Thrive in Five. In Thrive in Five, I suggest improvements you can make to your finance situation in just 5 minuthrive_250tes a day for 1 full year. I ask you to take a hard look at how you do things and to make small changes with big impacts.

Each chapter is a month in the year.

January – Analyzing Your Bills
February – Reduce or Eliminate Expenses
March – Saving More
April – Organization
May – Clutter Cleaning
June – Selling or Donating
July – Credit
August – Debt Reduction
September – No Spending Month
October – More Income / Planning Ahead
November – The Holidays
December – Money Drains

Because I wanted you to focus on your savings, I gifted you 30 Tips for Financial Literacy Month.

If you want to make big improvements with small steps, do get the book!

Soft cover book available for $18.95. Ebook available for $14.95.

Available at BookLocker, Amazon and Barnes & Noble!

BookLocker Paperback EBook
Amazon Paperback Kindle
Barnes & Noble Paperback Nook

 

Get Your Copy Today!

Today is the last day for the discount.  Use code 10FinancialMonth to receive the discount, when purchased through my website.

Teach your children about finances.  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.

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.

Thrive In Five: Take Charge Of Your Finances In 5 Minutes A Day takes you on a year long journey with 5 minute a day suggestions to improve your finances. Each month works on a different aspect of your finances.

Don’t miss out, buy my books today!  They are 10% off in April when purchased at JillRussoFoster.com.  Select the book(s) and make the purchase through BookLocker (click the book picture) and use code 10FinancialMonth to receive the discount.