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Michale Moorey
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ED No More Program

Published on 7/25/2016
For additional information  Click Here

So, if you were thinking about picking up guitar, go for it! Or, start up a basketball league with your buddies. You'll get your guy time fix and get to blow off steam-giving you more energy to face the world with your best foot forward.There are many easy ways to save money that really add up--from savings account that automatically transfer money from each paycheck to booking cheaper travel to being more strategic about where you go to happy hour.But according ED No More to financial planning experts, the first steps toward financial freedom is understanding your financial reality-how much you make, how much it costs to live and how much discretionary income you have to play with. Use your bank's online spending reports feature to keep track of daily spending, and make adjustments when you spot bad patterns. If you smoke, cutting out cigarettes is not only good for your health-it will save you about $1,800 a yearDriving less is another huge way to save money.

Carpooling, using public transportation and biking/walking goes beyond being environmentally-conscious, it can save you hundreds of dollars a year on gas, vehicle maintenance and parking fees. Buying gently-used vehicles and furniture through consignment is another smart way to save money, both on the front end of acquisition costs and in resale value.Go through your closets, garage and basement and hold a garage sale, or place ads on Craigslist and take unwanted clothes to a consignment shop or Goodwill for a tax write-off. And the easiest tip of all, is just to stop spending as much money! Just have your bank automatically withdraw a set amount of percentage from each paycheck-when you have less to work with, you'll naturally reign in your spending.

It's never too early to start planning for your retirement. Think about this: a 25 year old guy can invest $2,000 a year for eight years without investing an additional dollar after the age of 33 will earn more by the age of 65 than a 34 year old who invests $2,000 a year for 32 years. One of the best retirement plan options available is your employer's 401(k) Plan. You make pre-tax contributions, which reduces your taxable income, while earnings grow tax-deferred until retirement. In most cases, employers will match a portion of your contribution. If your employer offers a 401(k) it's foolish not to participate-it's like leaving money on the table ... and walking away.Another option for retirement saving is the IRA (Individual Retirement Account).


A traditional IRA allows pre-tax contributions to grow tax-deferred, meaning you don't pay taxes until you withdraw the money, so the amount you would have paid in taxes earns income from the time you contribute it until you take it out.If your employer doesn't offer a retirement plan or you work for yourself, a SIMPLE-IRA, self-employed 401(k), or KEOGH are options for sole proprietors and the self employed Investing isn't just about stocks and bonds. Investing in an art, vintage car or watch collection is considered an investment too. If you have a passion, why not add a smart collection to your net worth? Not sure how to go about investing in art? You can subsribe to art publications, attend showings and get cozy with a trusted art advisor. For more tips, see the article on buying art.

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