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Are you getting a raise or promotion soon? If you are, it could be a good time to make a few subtle changes to your financial situation. Here are a few moves to make with this new found money so that you can be money smart.
 

People often believe that financial distress happens overnight from a single unfortunate situation. For some this is true, but for many, their eventual money problems are evident long before they become disastrous. Learning how to spot the early warning signs of money issues is a critical skill.
 

Regardless of your age, there are a few money moves to consider every year if you want to improve your finacial situation. Financially successful people don’t put their finances on autopilot and these simple moves can make all the difference.
 

If you want 2019 to better financially than 2018 you really need to have a plan. It doesn’t have to be complicated, sometimes a simple plan works the best. A plan based on foundational aspects of money management can actually be easy to follow and requires only 6 steps.
 

Not sure what to get your kids or grandkids this year for Christmas? With only a handful of days remaining, I have a few Christmas gift ideas that might just be what you should be putting under your tree.  These are more about giving a gift to set them on the right financial path.
 

Have you thought about what you might do if you received an unexpected windfall money, say from lottery winnings?  Even though it is highly unlikely anyone of us will have lottery winnings, it is likely that many of us will receive unexpected bonuses, inheritances or large tax refunds.
 

A person’s life can be greatly impacted by the financial goals they establish for themselves. If you are happy with just getting by, likely that will be all you ever accomplish. Setting stretch financial goals in four areas is the key to improving your financial well-being.
 

Financial advice is often very general in nature. Too often we can mis-understand financial advice or not apply it correctly. This leads to missed opportunities or even poor money decisions. Having an understanding and applying this advice to your situation is very crucial.
 

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