With the holiday season over for another year, many of us likely have more debt than we’d prefer following the aftermath of utilizing credit cards, lines of credit, etc. A great New Year’s Resolution is to not fall into this seasonal trap ever again. Starting a budget plan now to cover yearly expenses including the ‘big hits’ (summer vacation/winter vacation and December shopping) would be a refreshing way to start off the New Year.
And why stop there? This could be the year to create or update your financial plan. Budgeting, protecting assets, retirement planning and life insurance – it sounds like a daunting task to sort through. With the assistance of a financial planner and a little homework on your part, it can get done.
Decluttering and organizing the home has been a huge topic in magazine articles and home shows so why not apply this to your life as well? Having a plan reduces stress and encourages a feeling of contentment knowing that your budget, retirement and loved ones are taken care of.
Elaine, Personal Financial Counsellor
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