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Finance Tips By Alistair Moncrieff

Top Personal Finance Tips for the Long-Term

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Finance Tips By Alistair Moncrieff

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  1. Top Personal Finance Tips for the Long-Term

  2. Create a Financial Calendar Check Your Interest Rate Track Your Net Worth First Things First: A Few Financial Basics

  3. Set a Budget, Period Consider an All-Cash Diet Take a Daily Money Minute Allocate at Least 20% of Your Income Toward Financial Priorities Budget About 30% of Your Income for Lifestyle Spending How to Budget Like a Pro

  4. Draft a Financial Vision Board Set Specific Financial Goals Adopt a Spending Mantra Love Yourself Make Bite-Size Money Goals Banish Toxic Money Thoughts Get Your Finances–and Body—in Shape Learn How to Savor Get a Money Buddy How to Get Money Motivated

  5. When Negotiating a Salary, Get the Company to Name Figures First You Can Negotiate More Than Just Your Salary Don’t Assume You Don’t Qualify for Unemployment Make Salary Discussions at Your Current Job About Your Company’s Needs How to Amp Up Your Earning Potential

  6. Start With Small Debts to Help You Conquer the Big Ones Don’t Ever Cosign a Loan Every Student Should Fill Out the FAFSA Always Choose Federal Student Loans Over Private Loans If You’re Struggling With Federal Student Loan Payments, Investigate Repayment Options Opt for Mortgage Payments Below 28% of Your Monthly Income How to Keep Debt at Bay

  7. Evaluate Purchases by Cost Per Use Spend on Experiences, Not Things Shop Solo Spend on the Real You—Not the Imaginary You Ditch the Overdraft Protection How to Shop Smart

  8. Start Saving ASAP Do Everything Possible Not to Cash Out Your Retirement Account Early Give Money to Get Money When You Get a Raise, Raise Your Retirement Savings, Too How to Save Right for Retirement

  9. Review Your Credit Report Regularly—and Keep an Eye on Your Credit Score Keep Your Credit Use Below 30% of Your Total Available Credit If You Have Bad Credit, Get a Secured Credit Card How to Get Properly Insured Get More Life Insurance on Top of Your Company’s Policy Get Renters Insurance How to Best Build—and Track—Your Credit

  10. Make Savings Part of Your Monthly Budget Keep Your Savings Out of Your Checking Account Open a Savings Account at a Different Bank Than Where You Have Your Checking Account Direct Deposit is (Almost) Magic Consider Switching to a Credit Union You Can Have Too Much Savings How to Prepare for Rainy (Financial) Days

  11. Pay Attention to Fees Rebalance Your Portfolio Once a Year How to Approach Investing

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