Additional financial considerations:

  • Live within your financial means:
    • Reduce your spending habits. Little changes can add up to big savings!
    • Review & shop around for expenses such as: utilities, home or car insurance policies, internet and cable. 
  • Save for an emergency: 8 months of expenses
  • Credit card debt:
    • Pay on time and always pay at least minimum balance.
    • Pay off highest interest card first and then move on to the next.
    • Do you know your credit score? Check your free credit report yearly for accuracy. Click here for the links.
  • Cyber security protection for your information and access points:
    • Giving out personal information
    • Passwords
    • Secure WIFI
  • Four must-have documents:
  1. Will
  2. Revocable living trust
  3. Durable power of attorney for finances
  4. Durable power of attorney for healthcare