writings in a planner
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CASH NOT FLOWING?

ARE YOU OVERWHELMED AND NOT SURE WHERE TO BEGIN?  

NOT SURE YOU CAN AFFORD THE HELP YOU NEED?

DO YOU HAVE A SPECIFIC AREA OF CONCERN?

 

Would you like to be able to?

  • Set and achieve financial goals
    • Plan long range
    • Look at assets and liabilities
  • live within your means
  • Streamline your bill pay
  • Prioritize spending
  • Find ways to save

Create a realistic and understandable budget?

  • Identify discretionary vs mandatory spending
  • Create a contingency fund for emergencies
    • Plan for savings/retirement
    • Plan for fun/vacation
  • Review your budget monthly and adjust when things change
    • If it’s better, then more to savings
    • Unexpected or higher expense, make adjustment in discretionary

Eliminate credit card or other debt?

  • pay more than the minimum
  • communicate with creditors and ask for their patience
  • pay a good faith amount until you can pay more
  • if the debt is over 2 years ask if you can settle for less
  • Is there an asset you can sell?

Identify ways to increase income/cash flow/savings?

  • Shop insurance for health and auto, raise deductibles
  • Get a better phone or TV plan
  • Get on a utility budget plan
  • Have money automatically go to savings each month
  • Ask for a raise or seek a better paying job
  • get a part time job

Make wise decisions

  • Pray about your financial decisions
  • Discuss with others
  • Avoid impulse buying
  • Decide in advance how much you will spend before you shop
  • Make a list of must haves vs wants
  • Stick to the plan
  • Don’t get discouraged – it takes perseverance

Contact My Concierge LLC and get a complimentary assessment of your situation. Then you may want to move forward with a customized plan to meet your specific need and budget.  It’s up to you. 🙂