Getting There


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
Mom & Dad 50thrisk 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"

Makeover Moments 

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.
nostalgic electrics
  1. 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?  
  2. There are many deals out there - check before you buy.  The internet is definitely our friend this time of year.    
  3.  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.  
  4. 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.
  5. 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!      865.690.4646   
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