American - Journalist | November 7, 1964 -
Put all of your savings on autopilot, and you won't likely notice the missing cash.
Jean Chatzky
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If you're just starting out in the workforce, the very best thing you can do for yourself is to get started in your workplace retirement plan. Contribute enough to grab any matching dollars your employer is offering (a.k.a. the last free money on earth).
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One of my rules is: If it's good for the planet, it's usually good for your wallet.
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For most, the largest asset is their home. This becomes a sentimental issue, I know, but if you're holding on to a home that you can no longer afford - or you need the liquidity - you need to think about solutions. One might be to bring in a tenant or roommate; a more drastic measure is to sell the home and downsize.
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I'm big on setting goals, but I also think that if you have too many lofty ambitions and set goals for everything, you can sabotage your efforts by overextending your brain.
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The wealthy are confident in their abilities to overcome bad situations - on the job, in their personal lives, with their finances. Many have triumphed over dismal financial starts. And, unlike most of the population that hops from job to job, career to career, the wealthy are much more likely to stick with what they start.
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If salary is your most important consideration, make sure you don't take too much time off beyond the allotted 12-14 weeks of maternity leave - and certainly don't leave altogether.
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Your retirement comes before your children's tuition. That's because there's no financial aid for retirement, and there's still a good deal available for college.
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July is high burglary season because so many people leave town. To help avoid making that obvious, suspend your newspaper subscription and have your mail held. Another clear indication is if all your lights are off for an extended period. To fix that, you can buy a timer for about $30.
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There's a laundry list of reasons why not to borrow from your 401(k). While the money is on loan, it's not working for you - and if you leave your job, you'll have to pay it back in 60 days or treat it as a taxable withdrawal.
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Automate your savings so that you have money taken directly from each paycheck and deposited into a 401(k) or other workplace retirement account. If that's not an option, automatically have money transferred out of checking into savings each time you get paid.
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People with financial plans are much more likely to feel prepared, even in tumultuous times. They're more likely to feel that their dreams and goals are secure. And, oh yes, they do actually save significantly more.
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