This is a picture of my Mom & Dad at their 50th wedding anniversary in 2002. I am so grateful for my upbringing. My parents are/were amazing individuals. Unfortunately, we lost my Dad in 2009. My Dad was the
risk taker. My Mom is the cautious one. When I was offered the retirement package from P&G in 2002 and was on the fence about taking it, my Dad said "take the money and run" whereas my Mom said, "how can you leave such a secure job with all the great benefits?" Wow - they were both right! I ended up taking it and we moved to TN. It was tough leaving that security, but now I am on a different path - I took the risk. Has it been easy? - NO Do I know I am doing the right thing? YES So during this Thanksgiving season I am thankful for the two different visionaries in my life. Thanks Mom & Dad - Love You!
Let me help you with your financial vision! Deb Schmitz
"The Money Mechanic"
Impulse Buying - 'Tis the Season!
I saw an ad in the paper on Sunday titled "Nostalgic Electrics" A hot dog toaster, brownie maker and cupcake maker to name a few. Yikes! Can you say impulse? Yet alone useless in my opinion. Why would I buy a brownie maker for $19 when I can make brownies in a baking dish I most likely have? I think this is why the song "Santa Claus is coming to Town" was written. Although in the song Santa was "making a list and checking it twice", I think it is wise for us to do the same. Here are some tips to help you fend off the impulse buying.
- Make a list for your Holiday shopping. Everything from groceries to gifts. We all get a little bit of the "awww - wouldn't that be cute/good/etc.....?", but if you give in - how long will that impulse feeling last?
- There are many deals out there - check before you buy. The internet is definitely our friend this time of year.
- If you didn't start a Christmas fund for this year, start one now for next year. By setting aside just $20/month, you will have $240 set aside for next year.
- Don't buy a gift just to buy a gift. If it isn't useful or meaningful, you are just wasting money. Home baked goods can be gifts with meaning.
- By purchasing gift cards through churches or other organizations, it provides a win-win.
If you really care about someone, including yourself, I am offering gift certificates for the holidays. 10% off any service. Most are custom made for the financial topic you want guidance with. How can I help YOU feel safe, secure and smart about your money? Give me a call!
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