Jill Russo Foster

Tips for Successful Personal Finances

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Financial Literacy Month – Tip #30

Looking Back

Here’s the tip from December 31 – Money Drains month:

Do you feel that you are taking charge of your finances? Remember, this is not a onetime thing and you will not be done forever. This is something that you need to work on throughout your life. My suggestion is to start the book over again tomorrow and build upon what you learned this year and continue to take steps to improve your finances. For right now celebrate what you have learned this year.

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Financial Literacy Month – Tip #28

ATM Fees

Here’s the tip from December 15 – Money Drains month:

These are a total waste of money. Think about your plans ahead of time and be prepared. There is no need to have to go to an ATM that will cost you a fee. Plan ahead for what you will need. If you find you need more money than you have on you, then think about what you want to buy. Do you really need it or could you live without it?

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Financial Literacy Month – Tip #27

Credit Card Interest

Here’s the tip from December 10 – Money Drains month:

This is the biggest waste out there – paying interest on your credit cards. A perfect situation would be to never pay a penny in interest charges. But this is the real world and sometimes it cannot be avoided.

If you learn nothing else from this book, get your finances in order and develop good money habits. That includes getting rid of debt and only charging what you can afford to pay off monthly.

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Financial Literacy Month – Tip #26

Storage Space

Here’s the tip from December 1 – Money Drains month:

Storage space to me is a waste of money unless it’s for a temporary situation. More stuff than you have the room for is usually stuff you don’t really need and therefore paying good money to store it is usually money wasted. Get rid of the stuff in storage and save the cost of storage.

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

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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

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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

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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

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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

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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