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It is that time of year top ten lists start coming out for just about any topic - movies, political events, sports stories and financial moves to make before the end of the year.  Yes, there is a top ten list of moves that you can still make before the end of the year and most don’t really take more than 30 minutes to complete. 
 

Most people don’t intend to be in a poor financial situation, it usually is a combination of misfortune and poor financial habits that lead them towards financial distress. There are a few behaviors that can be the foundation for a better financial outlook and mastering the basics will pay dividends your entire life.
 

The last few days have been serious holiday shopping days and the frenzy of activity could have caused you to lose track of your financial situation.  If you find yourself over your holiday budget don’t worry, there are a few ways to cure the Black Friday financial hangover.
 

Being financially prepared yourself is really just one third of true financial readiness needed if you are part of the sandwich generation. Your parents and kids also need to be financially ready or it can cause financial concerns for you. 
 

Do you have a desire to live more comfortably financially speaking now and in the future? It doesn’t have to be all about earning more money. The concept of living below your means now so that you can retire earlier and more financially set later is a way of life that is different.
 

The fourth quarter of the year is always a good time to start thinking about ways to minimize your tax burden.  Why now? Some of the financial moves you can make have to be done in the calendar year and others might require a couple of months to complete.  
 

Whether your child is a first-year or fourth-year college student, it is important to teach them good financial habits. A great place to start is by having them create a spending plan.

FORUM is hosting three incredible homebuyer informational sessions in September and October. Various resources will be available if you’re thinking of building or buying a home. Each attendee will also receive a VIP Savings Pass worth $300 off closing costs for their home purchase or refinance. Plus, there is no cost to attend any of the sessions! 

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