Jill Russo Foster

Tips for Successful Personal Finances

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Financial Literacy Month #24

Some of the things that we do in our household to save money:  I cut my husband’s hair, we take our own recycle and trash to the transfer station, we walk to do our errands, we do our own yardwork (cutting lawn, trimming bushes, snow removal, etc.) #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #23

Do you have a surplus or deficit with your budget? We all know we can reduce or eliminate expenses.  But sometimes this is not enough.  Sometimes the answer will be that you need to increase your income or a combination of both.  It’s something o think about. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #22

If you want to track your spending, there are many ways to do this: pen and paper, receipts for all spending, use your debit / credit cards or an app to see where your money is going.  If you would like a copy of my budget tracker formulated in Excel let me know and I will give you a copy. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #21

I would be remiss if I didn’t mention budgeting.  When was the last time you tracked your spending?  If you can’t remember when, it may be time to do this again.  Learning where your money goes will help you to make changes so that you meet your goals.  For example, “should I buy _______ or should I not spend this now and put it towards my goal of ____________.” #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #20

Consider paying your bills annually.  Most times paying once a year (or even twice a year) could save you money.  For example, Amazon Prime is $14,99 / month versus $149.99 annually – that’s a savings of $30.88.  We pay our auto insurance annually to save money. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #19

Do you have old electronics that you don’t use lying around your house?  We took these all to Staples to be recycled and got cash back in our account towards future purchases. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #18

We are cleaning out our home and making money doing it.  Back in the day when you went to an event and ended up with a paper ticket stub.  What to do with your old ticket stubs.  We found www.DaveBuysTicketStubs,com and sold him ours for cash. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #17

According to LifeLock, 84% of people’s information is on the dark web.  Is yours?  Think about how you will protect yourself and your information.  How often do you check your bank accounts?  How often do you check your credit card accounts? You can monitor all this yourself by checking regularly.  We check our accounts once per week and we have chosen to freeze our credit reports. #JillRussoFoster #FinancialLiteracyMonth

Financial Literacy Month #16

Wallet lost on beach Like Capital One says, What’s in your wallet?  Could you tell me everything that is in your wallet right now?  If you were to lose your wallet today, how would you know what to cancel and replace.  Clean out your wallet and carry only the minimum you require.  You should never carry your social security card, your PIN numbers / passwords, blank check(s), passport unless you need to use them that day.  Identity theft is on the rise. Protect yourself. #JillRussoFoster #FinancialLiteracyMonth