5 Realistic Smarter Money Moves You Can Do Right Now

dhita yudha

Welcome to #Adulting, the ultimate breakdown of all your grown-up needs. These articles are here to help you feel less alone and answer all your personal, financial, and career questions that weren’t answered in school (no judgement, we get it!). Whether you’re looking to find out how to tackle laundry or you want a deep breakdown on how to make a savings plan—we’ve got you covered. Come back every month to find out what life skills we’re upgrading next and how.

Gather all the personal financial advice you used to receive before the pandemic: The platitudes about not buying lattes or avocado toast. The “challenges” to put aside $1 a week. The admonishments that you should try to buy a home instead of renting one. Stack that advice into a pile, and set it on fire.

Even though none of that is unreasonable advice, it’s certainly not relevant guidance for

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Smart moves when cash is tighter than time

dhita yudha

Lots of people have more time than money nowadays. If you’re one — maybe you’re taking a staycation or you freed up commuting hours by working from home — optimize that extra time by making smart financial moves that won’t cost a dime.

“If you have time but no money, it’s time to become the best version of yourself,” says Ryan J. Marshall, a financial adviser in Wyckoff, New Jersey. “What separates successful people from people who struggle financially is often how they spend the time they are given each day.”

From the quick-and-simple to the more-involved, here are ideas to create your personalized money to-do list when you have more available hours than dollars.

SET GOALS

This is the obligatory recommendation to develop a household budget, perhaps using the 50/30/20 method to divvy up needs, wants, and savings or debt repayment. But creating a budget should be about liberation,

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Got $1,000 in your checking? Make these moves ASAP

dhita yudha

So, you’ve been working your behind off and finally managed to save up a little cash. Now what?

While it feels great to see $1,000 in your bank account, you shouldn’t just let it sit there.

If you’re confused about where to start, don’t sweat it. Here are six ways you can meet your financial goals and watch your cash grow.

1. Hire a wealth manager (even if you’re not wealthy)

Everyone always talks about “investing” their wealth, but visiting the financial planner at your bank feels a little old-fashioned. Plus, who wants to waste a Saturday doing that?

There are companies that will act as your personal financial manager, and the great part is you don’t even have to put on your mask and leave the house. Welcome to investing in your sweatpants.

An online financial planning service is perfect for people who want top-of-the-line financial advice without the

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