Ready Wealth Advisors

As the year draws to a close, now is a great time to assess your financial health and make adjustments for a fresh start in the new year. Review and make adjustments to your strategies for your giving, earning, spending, financial goals, credit, emergency fund, and taxes.

I recently got an email from my bank offering a $1,000 holiday shopping loan. It made me thankful that my wife and I decided early in our marriage to create a holiday shopping budget. Do we sometimes stretch the boundary a little? Sure! But at least we start with a plan. In the next week, consider who you want to give gifts to at the end of the year. Think about family and friends from each sphere of your life. Then put a dollar figure next to each name or a plan for a homemade gift like baked goods. Total it up, then add 10 or 20% for those unexpected holiday party invitations that somehow happen every year. If the total is too much, go back and revise the plan until it works. Then. Stick. To. Your. Plan.? Retailers want you to purchase impulsively and overspend.? You don't have to play their game. What is your best gift-giving tactic so you enter January full of joy instead of regret??

Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more. #BuyLowSellHigh https://lnkd.in/e4_EZq7s

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Living in a consumer-driven economy, you may feel like once you're in debt, you may as well stay there, and there's no need to try to get out of debt. Work to implement positive spending habits and put in the necessary time and effort to get out from underneath your debt.

You know what you'll retire FROM. What will you retire TO? Begin thinking now about how you will invest your time during retirement. Consider your passions and skills, as well as your availability and limitations. Then, research local organizations that align with your values and interests.

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401(k) millionaires share their secrets of success. Spoiler alert: these are some of the investing principles we’ve discussed for years.

??Attention college-bound families! The FAFSA rollout for the 2025-2026 school year is changing, and it's important to understand how this might affect you. The Department of Education is implementing a staggered release with the following schedule: ?? A limited rollout begins on October 1, 2024. ?? Public access opens on December 1, 2024. This delay is intended to prevent the technical issues we saw last year. While it pushes back the timeline, it shouldn't cause major disruptions for most applicants. Here's what you need to know: ?? FAFSA is crucial for accessing federal aid, grants, and scholarships. ?? Even with the delay, most colleges' financial aid deadlines should still be met. ?? Submitting early can maximize your chances for financial support. ?? It's worth applying even if you think you might not qualify. Stay informed and plan ahead to make the most of your college funding options. Remember, timing can make a significant difference in the aid you receive. ?? #FAFSA2025 #CollegePlanning #FinancialAid #StudentLoans Source: https://lnkd.in/drZyaXbD