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Frugal Fanatic by Michalene Cerqua - 3M ago

This is a sponsored conversation written by me on behalf of Varo. The opinions and text are all mine.

Saving money is not something that just comes naturally for me. I am a mid-thirties mother of four with student loans, a mortgage, a car payment, and expenses that come along with extracurricular activities for the kids. Just listing those items out loud can feel overwhelming!

As of recently, my husband and I have been working hard to reach a goal of living a debt free lifestyle. We have been buckling down on our budget and only spending on the necessities. The rest has been going to our larger bills in order to get us to that big financial goal.

Setting the budget was not easy and living a penny pinching lifestyle has been an adjustment, but we know that doing this now will payoff in the future. Something that I have learned along the way though is to have that small savings stash for the “what if” moments that life throws at us.

There is always the fear of the unknown and the factor of what if something happens that we did not account for in our budget. I am not talking the catastrophic what if, but more along the lines of the washer or dryer dying on us mid-cycle or our garage door needing replaced. In order to cover us in an event like that, I started to save change and dollar bills here and there.

When I purchase gas or groceries with cash and have left over change I put the coins in a jar in the kitchen. I also started to save at least one $1 bill from my cash transactions. I simply drop it in the jar or put it in an envelope and forget about it.

A small habit like that doesn’t seem like it would pay off, but for us it definitely did! As much as I promised my younger self that I would never drive a minivan, here I am years later deep in this mom life… driving a minivan! Thank goodness for all of the awesome features of this vehicle that I could not live without and for it’s reliability! Without that I don’t know where I would be today.

Although it is a reliable vehicle, situations of the unknown still occur and in our case, that situation is a popped tire. One beautiful, sunny day I was driving along with my youngest two children, singing along to kidzbop when I heard the sound of the flat tire. Talk about a real buzz kill! I pulled over on the side of the road to assess the damage and unfortunately it wasn’t just a flat, the tire had been penetrated and popped by a piece of metal. The hole was too big for just a patch.

At first I sorta panicked, wondering how I would pay for this unexpected expense when I had just sent out a slew of bills. Lucky for me though, I had my little “what if” savings stash waiting for me in the kitchen! I had enough saved up to cover the tire, the tow truck fees, and even a tip for the driver!

Saving can be hard, but it doesn’t have to be impossible. A small savings stash is great for the unknown moments in life, but it is also important to set yourself up with a savings account for the future.

If you feel you could use some help with saving, a great place to start would be with Varo. As a “cool mom” I find a banking app to be super helpful and convenient. Everything I need is right there on my phone, which I have with me at all times anyway. The Varo app is available on iOS and Android.

Any chance to save for the future should be taken advantage of and unlike big banks that charge you for almost every single transaction, Varo is totally fee-free. By avoiding fees, you’re already ahead of the game.

Varo also offers fee-free, high-yield savings accounts that don’t require a minimum balance and automatic tools help you deposit money into your savings without thinking about it. Varo pays one of the highest Annual Percentage Yields (APY) of any other bank in the country!

Kickstart your financial future with a Varo Savings Account. No fees, early direct deposit, auto savings tools with high interest rates help you see all your money in one place. Check out www.varomoney.com.

The post Do You Have A What If Fund? appeared first on Frugal Fanatic.

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Frugal Fanatic by Addi - Frugal Fanatic - 3M ago

Did you know that you can get paid to shop online. I never thought that it was actually possible, but when you use Ebates you can earn cash back for all of your online purchases.

It’s not a gimmick.

There is no catch.

It’s not a scam.

You just earn rebates when you use the Ebates site before you make your online purchase.

Related posts:

How I Earned More Than $1,000 Online

Can you Really Make Money Shopping Online with Ebates

Get Paid to Shop Online with Ebates

I’ve been using Ebates for a few years now and can honestly say that it’s been a wonderful experience and I continue to use them every single time I am shopping online.

The image above is a screenshot from a purchase I made at Ulta. I needed a few items so instead of just going to Ulta’s website, I headed to Ebates first. Then, I searched for Ulta clicked on their site and earned cash back on my purchase.

Ebates is free to use and will allow you to earn a percentage of each purchase in the form of a rebate. It is awesome because you get cash back on a purchase that you were going to make anyway.  

You literally get paid to shop online.

I purchase almost everything online so for me, Ebates is my go-to shopping site. Before I make any purchase I head over to their site to see the cash back amount I can receive then I click on the store I want to shop at to get what I need to buy.

You definitely can’t get rich shopping online with Ebates but it’s a nice little bonus that you can use on yourself. Ebates pays out quarterly so it’s a nice surprise when you get the payment every couple of months.

Plus, they offer a referral system where you can earn money when you refer your friends and family to use Ebates to get paid to shop online. For every person who signs up using your referral link and makes a qualifying purchase you receive a $5 bonus.

And… You get a $10 BONUS when you join their website. How cool is that?

Ebates has a partnership with more than 2,000 stores and they even have an option to earn cash back on in-store purchases.

Some of the stores include:

  • Walmart
  • Amazon
  • Macy’s
  • Kmart
  • Staples
  • Groupon
  • Travelocity
  • and much more!

Click here to see exactly how I get paid to shop online with Ebates. I go through the step-by-step process of how to sign up with Ebates and use their site to not only get discounts but earn cash back.

If you are looking for another site to get cash back on your purchases you can check out Ibotta. It offers you cash back rebates on all of your groceries. Learn more about Ibotta here.

Do you get paid to shop online? Have you ever tried Ebates?

The post Get Paid to Shop Online with Ebates appeared first on Frugal Fanatic.

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Frugal Fanatic by Michalene Cerqua - 4M ago
This is a sponsored conversation written by me on behalf of Axiom Bank. All opinions are mine alone.

We are officially a family of six! Yay! As our family grows, we realize that keeping track of our budget is more important than ever. Keeping track of our spending and staying within our limits was a resolution we made for 2019 and I am happy to say we are sticking to it.

Spending quality family time is important to us and so is making memories that we will cherish forever. Our family is willing to sacrifice in some areas throughout the year in order to be able to take a nice, relaxing family vacation.

The only way we can afford to do so is by budgeting not only throughout the year, but also setting a budget for our trip.

With summer right around the corner, many others are also thinking about vacations to take. But the cost of booking a getaway can be intimidating – and for some, not feasible. According to CreditDonkey,
the average vacation costs $1,145 per person, or $4,580 for a family of four.

But it is possible to save money while enjoying a nice vacation. Check out the tips below on how to budget and spend smart during your holiday.

Make a budget
Before you book your plane ticket or hotel room, determine how much you can spend on your trip. This will help you decide on the perfect destination that won’t break the bank. Whether you want to get organized or just map out exactly what you can spend, tools like Axiom Bank’s AxiomGO mobile banking app can help. The My $ Manager function will help keep you on track and strategize your vacation spending.

Surf travel sites
Trying to find the best deals on airfare or hotels can be time-consuming and discouraging. Booking your trip through a travel site can help you find the best rates, as well as knock out multiple reservations at once, like your hotel, transportation and rental car. Sites like Expedia, Travelocity, Kayak and Orbitz will scour for the best rates so you can be sure you’re saving where it counts.

Go for the off-season
It’s no secret that certain times of the year for destinations are busier than others, and therefore, pricier. Take advantage of lower rates by booking your trip during off-peak times – not only will you save money, but you’ll probably avoid crowds and be able to relax even more.

Avoid hidden costs
Mapping out costs of plane tickets, hotel rooms or rental cars can be fairly obvious expenses but remember that there are other costs that can creep up later – meals, souvenirs, parking, resort fees and more. To avoid extra spending, try booking lodging with a kitchenette or an Airbnb so you can prepare your own meals to reduce dining costs. Also, pack lightly so you don’t have to check luggage. What may seem like minor costs can add up quickly, so make sure you’re keeping track! You can use AxiomGo’s My$ Manager feature to set spending limits, note what you’ve spent and where you can save. It’ll even provide alerts so you’re always informed.

The best things in life are free
Finally, one of the best ways to save money on vacation is to seek out free activities. If you’re vacationing in a city, take in the sights at landmarks or historic places. If you’re in the tropics, relax on a beach or have an oceanside picnic. There are many ways to make the most of your trip without opening your wallet, so do some research on your destination before you arrive!

Using an app to track our spending makes budgeting a breeze! Creating a budget and sticking to a plan means I can spend vacation relaxing instead of worrying.

The post Vacationing On A Budget appeared first on Frugal Fanatic.

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Frugal Fanatic by Michalene Cerqua - 5M ago
This is a sponsored conversation written by me on behalf of Dollar Car Rental. All opinions are mine alone. #ad #sponsored

Picture this: A vacation you have been planning for months is finally coming to fruition. You pack your bags, board your flight, and arrive at the busy airport. You can  feel the warm breeze from the ocean already. Once you grab your belongings from the bag check carousel it’s time to head to the rental car desk to get your ride for the week. Your excitement is overwhelming now because you are just minutes from relaxation and fun, but to your surprise the clerk at the desk tells you that you in fact cannot rent a car.

Wait, what?! All because you have been trying to reach your goal of being debt free and a month ago you cut up that credit card that was causing you so much financial stress.

Sounds like a nightmare, but this exact situation happened recently to my husband and I when we were traveling. It really put a damper on the trip as we had to call my parents to reserve the car and then pay them back. It was embarrassing and such a hassle!!

When I heard about the new policy change that Dollar Car Rental had recently rolled out, I was ecstatic to share! I called my husband just to tell him the good news and we shared a laugh when reminiscing back to that vacation! He couldn’t believe when I told him that Dollar Car Rental is now allowing customers to reserve a vehicle using a debit card.

In an ongoing effort to not only listen to their customers, but to also be proactive
with superb customer service, Dollar is now rolling out a first-of-it’s-kind debit card policy to make travel easier for them.

When it comes to customer service and being budget friendly, Dollar Car Rental has you covered. Not only are they making it easier to reserve a vehicle with a debit card on top of their amazing rates, they are now allowing customers that are 20 years or older to reserve a vehicle.

The innovative debit card policy makes it easier for customers to reserve vehicles using a debit card by:
o Eliminating credit checks.
o Reducing proof of return travel and ID requirements.
o Lowering the renter age restriction from 25 to 20.
o Reducing the incidental hold amount from $350 to up to $200 to match credit card rentals.
o Rentals booked more than 24 hours in advance will only require a debit card and Driver’s
License, and rentals booked for less than 24 hours will require two forms of identification and
proof of return travel.

These changes are music to my budget friendly ears! I refuse to travel without shopping around to find the best deals and rates.  For more information on this new policy, visit Dollar Car Rental online. I can say with confidence that nothing comes close to Dollar Car Rental!

The post How To Rent A Car Hassle-Free appeared first on Frugal Fanatic.

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This is a sponsored conversation written by me on behalf of Axiom Bank. All opinions are mine alone.

If you’re into traditions, you know it’s that time of year when many of us set out with good intentions for our New Year’s resolutions. Saving money in the year to come is often on top of the list. I know that in our house, we always go a bit beyond our holiday spending budget. It always seems that things that we forgot to calculate seem to just pop up! Maybe it is dining out one too many times because we were too busy shopping to cook, or we forgot to calculate the amount for a gift card for our mail carrier.

Whatever the case may be we plan to tighten our budget and actually stick to our plan as a New Year’s resolution!

Did you know that tackling your finances is actually one of the most common New Year’s resolutions? Although most of us vow to do so, according to U.S. News and World Report, a whopping 80 percent of us revert to our old habits by mid-February. Let’s make 2019 the year of changing this statistic and actually sticking to our plan.

It may feel easier said than done, but you are in luck. Check out these 4 steps for keeping your financial goals on track all year long.

Here are some steps to help keep your financial goals on track in 2019:
Step 1: Get organized.
It’s important to map out your goals by writing them down on paper. In fact, that’s what
billionaire Richard Branson does, and told CNBC it’s been one of his secrets to success. Branson
says a written record allows him to reference something every morning and get in the mindset
to tackle what’s on the list. Checking items off can help motivate you to keep moving forward.

Step 2: Set measures for success.
When you sit down to begin writing your goals, start small and be as detailed as possible. Set
daily targets that ultimately work toward your major objective, such as saving money or paying
off debt. Tools, like Axiom Bank’s AxiomGO mobile app, can also help set measurable marks for
smart saving and spending. The My $ Manager function allows you to input your goals and track
your progress.

Step 3: Study your spending habits.
Many of us think we have a good grasp on how we spend our money. But if you find yourself a
little short at the end of the month, it might be time to study where the money is going. Where
can you cut back? AxiomGO makes this process easy. You can create individual spending
buckets, such as mortgage/rent, car, gas, groceries, entertainment, etc., and set a limit for each.
The My $ Manager function automatically tallies money from that category and alerts you when
you’re reaching the limit you set.

Step 4: Start now!
It’s easy to keep putting things off but procrastination limits your ability to get ahead. Billionaire
Warren Buffett agrees. He says getting control of your finances is all about mindset. You have to
make a conscious effort to stick with your budget. Think about ways to engage and challenge
yourself to meet goals, such as going a day without spending money on non-essential purchases.

Developing a new habit takes time, but the easy to follow lesson Richard Branson applies every day is “try and try again, but never give up!” So cheers to making 2019 the year you take control of your finances.

The post Steps To Keep Your Financial Goals On Track In 2019 appeared first on Frugal Fanatic.

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Use my free 2019 budget binder worksheets to gain control of your finances.

How can you save money if you don’t know how and where you are spending it? It is important to stay organized with your finances so that you can stay out of debt.

Want to know how?

Using a budget binder!

The first step to saving money is committing to make a change.

I know a lot of people are hesitant to even try budgeting let alone use a budgeting binder, but trust me the savings are worth it.

Print my 2019 Budget Binder worksheets today so that you can take this first step in your financial journey.

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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Even if you are completely new to budgeting you can use this budget binder to track your finances.

Step one is to sit down and track your income and expenses.

You need to look at all of your income and expenses to be able to create a budget that will fit with lifestyle.

I am going to walk you through how I keep my finances organized by using my 2019 Budget Binder.

2019 Budget Binder includes the following worksheets:
  • Cover
  • Monthly Financial Goals
  • Yearly Financial Goals
  • Monthly Bill Tracker
  • Monthly Budget
  • Bank Account Information
  • Debt Paydown
  • Blank Calendar
  • Blank 2018 Holidays & Observances
2019 Budget Binder Breakdown: Monthly and Yearly Financial Goals

The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.

The Yearly Financial Goals sheet offers you a place to write out your major goals for the year.

For example, one of your yearly goals may be to save up enough money to replace the roof the windows in your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by.

This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation.

Monthly Bill Tracker

This sheet is here to help you pay your bills on time. One of the top financial struggles I hate to admit it, but I am definitely guilty of not paying bills on time too. Don’t you just hate having to pay a late payment fee? Those costs can really start to add up.

Monthly Budget

You can use this sheet to easily track your income and expenses each month by filling in your totals. If you prefer, you can print my blank version and fill in all of your own expenses rather than using the pre-filled categories. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month.

To make it easy, I have even created a spreadsheet that will figure out the totals for you each month.

FREE 2019 Budget Binder Printables

Subscribe to gain access to my exclusive budget binder printables and stay up to date by joining my weekly newsletter!

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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Bank Account Information

This sheet is pretty much self-explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our four boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.

Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have.

You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have.

This sheet can help you to decide which debt you are going to try to tackle first.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month.

This is also good to use if you have a special event or party coming up so that you can plan ahead for it.

{Related: Using a Gift Tracker & Budget}

Holiday & Observances

This sheet is in my budget binder so that I can plan our holiday spending and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

To create your own 2019 Budget Binder I recommend that you print the number of pages below.

You can then put them into a 3-ring binder to keep it together and easy to manage.

  • 1- Cover
  • 12- Monthly Financial Goals
  • 1- Yearly Financial Goals
  • 12- Monthly Bill Tracker
  • 12- Monthly Budget
  • 1- Bank Account Information {unless more are necessary}
  • Debt Paydown {however many are necessary}
  • 12 – Blank Calendars
  • 1- Holidays & Observances

Once you have everything printed you will then need to assemble it.

This is how I assemble mine, but you can put it in the order that works best for you:

  • Holidays & Observances
  • Bank Account Information
  • Emergency Fund Tracker
  • Debt Paydown
  • Yearly Financial Goals
  • Blank Calendar
  • Monthly Financial Goals
  • Monthly Ledger
  • Monthly Budget
  • Monthly Bill Tracker

Repeat for each month {Blank Calendar – Monthly Bill Tracker}

Sign up now to get the 2019 Budget Binder sent right to your inbox!

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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The post 2019 Budget Binder Worksheets – free download appeared first on Frugal Fanatic.

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This is a sponsored conversation written by me on behalf of Oral-B . All opinions are mine alone. #OralBHolidayDeals  #PowerUp

Every year when Black Friday rolls around I make two lists. I make a list of items that we need and the items that we want. Once the lists are ready I try to sort them in order of priority because the “want” list always seems to be much longer than I would like to admit. Once the lists are prioritized and my budget is set, I’ll make a nice little shopping game plan.

This year, a main focus of mine is the need list. Now that my kids are getting a little older and their lists for Santa seem to be growing just as fast as they are, I want to start to shift the focus onto more important things about the holidays and not just the “stuff” that they want.

I am going to make sure the bulk of the budget goes towards family needs for happiness, health, and overall well-being.  I’ve come across some great deals that cover most of the bases in the necessity department for this year. So I’m totally stoked to shop til I drop this Black Friday!

One in particular that I know I am not going to miss out on is the Oral-B 7000 Black Friday deal at Target. Let’s just talk about the insane savings on this brush this Black Friday! Normally the price is $179.99 and on Black Friday it is only $79.99!! Now that is some serious savings!

Why am I so excited about a toothbrush anyway? Well, I am definitely guilty of brushing too hard, and my dentist lets me know about it every visit. This particular brush, the Oral-B 7000, is equipped with sophisticated pressure-sensor technology alerts you if you are brushing too hard and automatically decelerates the pulsation and oscillation speeds of the brush head.

On top of that, with six High-Performance Brushing Modes: Daily Clean, Deep Clean, Whitening, Massage, Sensitive and Tongue Cleaning I know I cannot go wrong! I just love the gratification of getting a great deal!

Now, the next task on my agenda for Black Friday shopping is getting my daughter to agree to wake up early and hit the stores with me! If you’re going to be out this Friday… Happy Shopping to you! Don’t forget to share the amazing deals you get in our comments section.

The post Prepare Your Holiday List To Save Money appeared first on Frugal Fanatic.

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This is a sponsored conversation written by me on behalf of Axiom Bank. All opinions are mine alone. 

Is it just me or did 2018 fly right on by? The quickly approaching holidays bring a lot of financial changes for most of us. Our food budget increases around Thanksgiving time in order to fill our tables with all of the traditional, delicious dishes. Then comes December and our overall spending budget seems to increase as we attend gatherings, purchase gifts, and travel to see family and friends.

We’re approaching what’s often dubbed “the most wonderful time of the year.” While many Americans are excited about the holidays and are mapping out their Black Friday shopping plans, countless others are worried about the seasonal impact on their wallet. It can sometimes be a choice between paying a bill or giving a gift.

A new Gallup poll shows Americans plan to spend more this holiday season. In fact, many adults admit they will likely spend just over $1,000 on gifts this year, up 4 percent from 2017, according to Business
Wire.

It’s no secret that many of us overspend at the holidays, even if we create a budget. Last year, a Coinstar survey of 2,000 people found that 65 percent said they set a budget, but 77 percent expected to exceed that amount.

Don’t let the Grinch steal your holiday cheer! Consider the following tools designed to keep you on track with our holiday spending.

A Reliable Approach
It may seem outdated, but the trusty old envelope is still a good way to budget for the holidays. Withdraw a specific dollar amount, (perhaps $5 per pay period), put it in an envelope, and store it in a place you won’t forget, but also won’t be tempted to draw from. Use this cash when it’s time to start crossing names off your gift list. You’ll avoid worrying about overdrafting the bank account and paying interest on your credit card.

If “old school” isn’t your thing, you can save the high-tech way, too. With the My $ Manager tool in
Axiom Bank’s AxiomGO mobile app, you can budget for the holidays as early as you want. Think of it as the digital envelope approach.

From the Heart
You don’t have to be Picasso, Michelangelo or even a famous poet to give creatively. Sometimes the best gift comes directly from the heart. Put thought into every gift. Spend time writing a love letter, or make a donation to a charitable organization on behalf of a friend or family member.

Save by Watching Your Spending
Do you know how much you spend on an average day? Do you buy your breakfast, lunch or dinner? That could be an extra $30-35 (or more) in your pocket. At the end of the week that could add up to $150. At the end of the month that’s $600.

Smarter spending choices equal more savings. The My $ Manager tool in AxiomGO helps track your
habits by categorizing each purchase and setting limits.

Year-Round Shopping
It doesn’t matter when you start holiday shopping. Being on the look-out year-round can eliminate last-minute stress, and spreading out your spending won’t be such a hit to the bank account. Be sure to keep your eyes open whenever you visit a store; you never know what treasure may be sitting on a shelf.

My husband and I have already started applying these tips and are seeing the financial benefits!

The post How To Stay On Track With Your Holiday Spending appeared first on Frugal Fanatic.

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It’s time to start planning and organizing your year ahead with our 2019 calendar printables.  The new year brings new resolutions, new goals, and new beginnings.

My family and I love having a calendar where we can write in all of our important dates, holidays, parties and sporting events.

Free Blank 2019 Calendar Printables

Get started today by printing my free blank 2019 calendars!

Included in each of the 2019 blank calendars:
  • Blank calendar to fill in each month
  • Monthly to-do list
  • Notes section to help you stay on track

These calendars are great to plan tasks, events, family activities or even your work schedule.

I love to color code mine so they stay neat and organized.

They also work well for meal planning, schoolwork, and fitness schedules!

Feel free to print as many copies as you need of my free blank 2019 calendars.

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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They make planning to simple and easy to do.

The post Free Blank 2019 Calendar Printables appeared first on Frugal Fanatic.

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This is a sponsored conversation written by me on behalf of Axiom Bank. All opinions are mine alone. 

Since our big move last Summer, my husband and I have been really focusing on our financial planning and making sure we are living comfortable while still contributing to our future savings. With three children and one on the way, finanacially planning for the future is a huge priority for us.

Neither one of us have a background in banking or financial planning, so a convenient, easy to follow plan is key for us. Simple is how we like it over here! (As if 4 kids and a dog make anything simple.)

October is National Financial Planning Month, and there’s no better time to evaluate whether
you’re setting yourself up for long-term success. While budgeting helps you meet short-term
needs and goals, financial planning is more about thinking years in advance.
The good news is, you can take several simple steps to get on track today:

Envision the future. Where do you want to be in 5, 10 or 15 years? Do you hope to
purchase a first or larger home, take more vacations or put money away for children’s
college years? What type of lifestyle do you hope to have in your retirement years?
Write down your values with your loved ones, then meet with a trusted financial advisor
to attach monetary milestones to your goals.

Bring it all together. When you’re making long-term plans, make sure you’re factoring in
all your financial data. Look for a mobile banking app that brings together all your
accounts. With the Axiom Bank’s AxiomGO app integrated budgeting tool, My $
Manager, you can aggregate checking, savings, loans, 401ks, IRAs and other income
streams as well as your debt in one place, without having to sign in to multiple apps or
use a complicated spreadsheet.

Make choices that support your goals. Once you’ve charted out your financial goals,
you need a structure that helps you start and sustain smart daily habits that will drive
you toward your goals. The My $ Manager budgeting tool in the AxiomGO app allows
you to input your savings targets and keep track of progress.

Sacrifice today, enjoy tomorrow. Along the same lines, your spending habits may have
more sway on your long-term finances than you think. My $ Manager allows you to cap
spending in certain categories. It automatically pulls your debit card transactions into
the relevant buckets. For instance, an evening at the movies comes out of your
entertainment budget. It’s an easy way to analyze your patterns and stay on target.

By following those easy steps, my husband and I are able to not only save money now, but plan a comfortable future for our growing family. Although sacrificing today to enjoy tomorrow was one of the harder of the steps, it was really eye opening for us to just how much money we were spending on all of the “extras.” We have a better understanding now of money management and what that really means for the long run.

When it comes to long-term financial planning, rest assured that there are tools to make the
task easier. Envisioning your future with confidence is just a few smartphone taps away.

The post How To Plan For Your Financial Future appeared first on Frugal Fanatic.

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