Automating Your Finances

Handling your finances can be a chore that takes a lot of self control and energy. You have to make sure that you are saving the right amount, investing the right amount, paying your credits on time, keeping on top of your budget. The list goes on and on and it can sometimes feel overwhelming.  However, in this chaos, there is one strategy you can use to significantly reduce this stress. This strategy is called automating your finances. Many banks, and financial services offer the services of periodic payments to your account. As a result, you no longer have to worry about staying on top of your money as you may have once had to do. If you do this long enough you can basically go on living without paying attention to you accounts, and simultaneously watch your wealth grow.

How to Automate Your Finances:

The first step in automating your income is determining how much money from your income you can automate. For instance, let’s say you make $4000 every month and you have a total expenses list of $1284. These monthly expenses are made up of things such as your credit card payments, gym memberships, insurance, rent ,electric, utilities, retirement accounts, and investments. Your next step is to identify which expenses from your budget can be automated. Basically you want to find everything that can be automated to make your life easier.

After determining how much money you need to spend on obligations, and wealth building, it’s time to divide the money you plan on spending into the different categories of payments and choosing which day you plan to pay them. You have the choice to chose whichever day works for you and your schedule. At this point you have all the money that you need going into the different places they need to go, so when you’re dealing with your budget It’s not as much of a concern. In this situation if you end up spending more than you would have liked to on your current budget, you can take solace in knowing that you already have  a safety net of stored money to touch whenever you desire.

Example:

step 1:

Income = 4000/mo

Name	Expense	Wealth Builders	Monthly Price	Can I Automate This?
Credit card payment	x		$200	x
Gym Membership	x		$70	x
Insurance	x		$64	x
Rent	x		$1,200
Electric	x		$50	x
Utilities	x		$60
Savings Accounts		x	$100	x
Retirement		x	$400	x
Stock Portfolio		x	$400	x

Step 2:

Automated payments:

Credit card payments  $200/mo    (can automate)

Gym memberships  $70/mo   (can automate)

Insurance   $64/mo    (can automate)

Electric   $50/mo   (can automate)

Savings accounts $100 (can automate)

Retirement  $400 (can automate)

Stock portfolio $400 (can automate)

 

Total amount automated:

$1,284

Remaining for budget:

$4,000 – $1,284 = $2,716

Notice how instead of worrying about $4,000 of your income you are now only worried about managing $2,716 because you automated the parts of your budget that you could. This also will trick your mind into thinking you have less. as your payments become automated and you get into the flow of your budget you will stop thinking about all the extra money you have and your savings will grow rather than be depleted from overspending.

Today we live in a world filled with distractions. Within this world it gets easier than ever to find ourselves overwhelmed because of all that is going on, including taking care of our finances. Despite this there are ways to overcome this overload. Automating your finances is a great and easy way to do this. All you have to do is choose what you are going to automate, and if you do it correctly you can forget about it later and watch your accounts grow.

Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com or comment below. We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

 

7 Expenses That Destroy Your Wealth If You Aren’t Ready

When you’re in your twenties, there are many things that take getting used to. You start taking on many new responsibilities, and often times there are things you don’t think about,  but that doesn’t stop them from coming. One of the many things that happen are expenses that people don’t think about until they are about to undertake them. We decided to make things a little easier for you by compiling a list of 7 expenses to start considering.

Retirement

Retirement may seem like an event that is far away and may not be something that you consistently think about. However, the earlier you start planning for it, the better the chances you will have of supporting yourself when you eventually find yourself in the process of retiring. In 2013, the average age for men to retire was 63.9 and the average age for women was 61.9 (4). This means that if you are 22 you have about 40 years to save and invest before you retire. There are a few ways that you can prepare yourself. The first step is knowing how much you need for retirement. This amount varies from person to person so it’s important to do your research. After figuring how much it takes for you to retire, you need to figure out what to invest in. Examples of tools for retirement include 401ks, and Traditional or Roth IRAs. Finally, after figuring out how much you need to invest, and figuring out where you are going to invest it, you need to find out how much you are going to invest each month to get to your goals.

Insurance

You’ve probably already started paying for some form of insurance whether it be car, life, health, or home. However, it is still something to be aware of especially since it takes a percentage of your paychecks. The key to insurance is finding the right policy that works for you.

Higher Education

For those of you who are looking to get another degree, the cost of graduate school is another thing you should think about when planning your future finances. Depending on what degree you plan on getting, tuition varies widely. Of course it’s possible to get scholarships, or have your job pay for schooling but having a plan before you start applying will put you in a better position to know what you will need to do to pay for your degree.

Wedding/Honeymoon

The bottom line is that weddings and honeymoons are expensive. The average cost of a wedding is $26,444 (1) and the average honeymoon is about $5000 (2) with such a high price, and for an event for most that is generally inevitable, it’s smart to start thinking about how you are going to pay for it. It’s also a good idea to keep in mind that in 2013 the average age for marriage for women was 27, and 29 for men (5), so the earlier these costs are on your radar the better.

House/Mortgage

Buying a house is a major milestone in your life. There are two ways to pay for it. Either with cash up front or with a mortgage. A mortgage is a loan that is lent to a potential home owner so they can finance the purchase of their house. The national average for a mortgage is “$222,261 with a $1,061 average monthly payment for a 30-year mortgage at 4 percent, according to LendingTree” (3). According to Zillow, The average age of a first-time homebuyer is about 33 (5).

Babies

Babies may not be at the forefront of your mind, however they certainly are something to consider financially. According to parenting.com a 2010 USDA report, the average middle-income family will spend roughly $12,000 on child-related expenses in their baby’s first year of life, and that is just the beginning. You still have to account for the cost of taking care of your child for at least 18 years. You are looking at spending over $200,000 over 18 years.

Your Children’s College

The average annual cost of public universities is $30,000, while private universities are $40,000 which is something to consider if you plan to pay for your child’s schooling. For college alone that is a range of $120,000 to $160,000.

The future can be overwhelming, and often we are told by those who came before us that they had wished they had prepared for certain events better. If you know what is coming, you will have a much better opportunity to prepare for these events, and meeting them successfully. We have provided this list so you are sufficiently prepared for the events that will inevitably come your way. Hopefully this will help you prepare as you navigate through your life.

Did we miss any major expenses? Let us know in the comments sections below. Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. or comment below We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

Sources:

1 Average Wedding Cost in the United States is $26,444. http://www.costofwedding.com/

2 How to save on a Caribbean honeymoon http://experience.usatoday.com/beach/story/caribbean/2014/06/04/caribbean-value-honeymoon/9970857/

3Realtor Magazine. http://realtormag.realtor.org/daily-news/2012/01/03/what-does-average-home-owner-pay-mortgage

4The Huffington Post. Kelsey Borresen –http://www.huffingtonpost.com/2013/11/14/married-young_n_4227924.html

5 Zillow: Average First-Time Homebuyer 33 Years of Age https://www.linkedin.com/pulse/zillow-average-first-time-homebuyer-33-years-age-carlos-m-moreno

An Easier Way to Make Money Than the Powerball

Yesterday everyone was lining up in gas stations, and 7-Elevens for Powerball tickets in the hopes of getting the $1 billion dollar prize. Did you win? Statistically speaking I would guess you probably didn’t. Winning the lottery is extremely hard, contrary to popular belief. Want to know a quicker, and easier way to make money? Pay yourself first. What is paying yourself first you ask?

Paying yourself first isn’t a hard concept to understand, but it’s critical to building wealth. It’s the simple idea of setting aside money from your income and putting it into your bank account before using the rest of your money for whatever else you normally use your money for. This technique is important because it’s the difference between perpetually being broke and having a nest egg of money that you can call on whenever you want.

There are many obligations that look to separate you from your money. Taxes, rent, and insurance companies to name a few. But these are not the only ones taking money from you, even you take money from yourself, in the form of overspending and buying thing you don’t need. After all this spending, you’re at risk of being in the same position you were before your last pay day. Just because you didn’t put away money before you started spending it. Don’t be a hamster on a hamster wheel. Pay yourself first!

How to Pay Yourself First

When I was first trying to learn how to build wealth I stumbled upon a book called “Rich Dad, Poor Dad” by Robert T. Kiyosaki. While reading this book I was introduced to the concept of paying yourself first. As I read, Rob introduced me to the difference between those who pay themselves first and those who don’t.

People Who Pay Themselves First                                   People Who Pay Themselves Last  

As you can see from the graphs the person who pays themselves first puts away a portion of their income into their savings and assets, while the person who doesn’t pay themselves first puts their money into their expenses first and doesn’t have any money left to put into their assets. You can imagine what each person’s bank account looks like over time. As Rob says “Poor people have poor habits” therefore all you have to do is start changing your financial habits to make your bank account look different.

Rob got the idea of paying yourself first from another book called “The Richest Man in Babylon” by George C. Clason. In this book you are told to put no less than a tenth of your income towards yourself. This may seem insignificant at first but imagine someone who saved $200 every month out of $2,000 (1/10th). In a year that person would have $2,400. If they did this for 10 years they would have $24,000, and these calculations are not including the increase in income they would probably make over time, or the amount they could gain if they continually invested that money resulting in a much higher return!

As George Clason wrote “Wealth, like a tree, grows from a tiny seed.” If you faithfully water your assets by consistently paying yourself first, before you know it, the money you make will literally grow on your money tree. Although this money tree may not be as much as Powerball winnings you will be satisfied knowing that you were the one who worked hard to grow it.

If you’ve got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com or comment below. We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

 

3 Secrets Your Credit Card Company Didn’t Tell You

Credit card companies don’t give you a how to guide, or inside tricks when you sign up for them. But we’re going to.

Charges and Fees

I always hate being hit with  late fees, even when I’m on top of my budget and due dates, however it happens to the best of us. Whether it be travel, work, family or just life that throws us off our game we sometimes miss a payment and suddenly see a late fee of at least $25. When this happens give your credit card company a call, explain the situation, and ask if there’s anything that can be done to waive the late fee (sadly, I have never gotten them to waive interest gained).

Make sure to emphasize the following points:

• The excellence of your payment history (always on time, always paid in full, etc.)
• You have already scheduled the payment of your current bill (possibly in full)
• This was a fluke

Most credit card companies will waive the late fee, as long as you have been in good standing with the company. Of course, this is not something you can do every month, most companies have a rule only allowing this to happen once every 12 or 18 months. This waiver can also be applicable to unknown foreign transaction fees. If you come back from travel and noticed these fees, reach out to your credit card company and explain your lack of knowledge and ask for a one time waiver as you now know for next time.

Increase Credit Limit

You may be thinking, I don’t want to increase my credit limit because I will spend more, however having a higher credit limit is good for your credit score. When your credit score is calculated, 30% of your credit score is made up from available credit being used. The golden ratio for having a good credit score is ⅓. For example, if you have one credit card with a limit of $500 you only want to have a balance of $166 on that card. If you request an increase on the same credit card and have a new limit of $750 the desired ⅓ balance would increase to $250.

That being said, when is a good time to ask for a credit limit increase?

• If you have good credit history with the card (paying on time, paying each month, etc.)
• If you recently got a higher paying job or raise
• If you currently have good credit

When should you not ask for a credit limit increase?

• Don’t request a increase on limit on all your cards at once or after opening a new card
• Ask your company if it will trigger a hard pull on your credit, sometimes a smaller increase will not trigger a hard pull. To learn more about credit inquires check out Hard vs. Soft Credit Inquires by Credit Karma.
• If you just received a limit increase most companies will not grant a limit increase for at least another 3 months.

The next step will be learning control, just because you have a higher available credit does not mean you have to reach the limit. It is not good for you, your budget, or your credit score so check out 3 Easy Budgeting Tips.

Upgrading

Whether you are starting out with your first credit card or already established with a credit history consider thinking about upgrading. When you got your first credit card you may not have been offered the best credit card with the most benefits. But, once you do establish a good credit history with your card company check out what other cards they have. Some companies will allow you to upgrade to a card with greater benefits free of charge.

Two companies that come to mind are Capital One and Chase. Both of these companies have what I call “starter cards” that do not offer many benefits to the card holder but also have cards that offer greater benefits without annual fees. For example, if you start out with or are a currently cardholder of one of Capital One’s basic “starter cards” you could negotiate an upgrade to a Capital One Quicksilver, which provides 1.5% cashback on all purchases with no annual fee. For Chase it would be an upgrade from a Chase Slate to a Chase Freedom, which offers different cashback benefits depending on the quarter with no annual fee. However, most of the sign up bonus you will loose as you are not signing up for a new card but rather upgrading your existing account.

So, how do you actually negotiate an upgrade.

• Explain your research, tell them how you have looked into the other cards they offer and are interested in the greater level of benefits and wanted to know more about upgrading

• Emphasize your good credit history and score (paying each month, paying on time, etc.)
• If they do say no, ask them how you can get an upgrade in the future, they most likely will tell you in more detail the qualifications they are looking for

When it comes to credit cards it is best to ask and be told no, rather than not ask at all.

 

If you have learned any tips in your credit card experience please share with us. Or if you’ve got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

The Crucial Skill School Didn’t Teach You

From preschool to our senior year of college, we are placed in classes to learn skills we need to become productive members of society. That’s about twenty years of education, yet we aren’t taught one of the most useful tools that we’ll need for the rest of our lives. Nowhere along our scholastic journey are we taught about finances. This subject plays such an integral part in our lives as adults, yet we don’t know much about it. Why is that? I believe that if we were given a financial education before we were placed into the work force we would have a much better chance at navigating our financial futures.

Invest in Teaching Students About Finances

I don’t know about you, but I didn’t know much about the concepts of 401k’s, until I had my first job, and the only thing people told me was to put as much money as I could into it. The same lack of understanding applies to social security, savings, and investing. Many people who graduate high school and college also don’t have this knowledge, and as a result the whole process of building wealth gets mystified. For example, if you’re in your twenties, how many of your friends do you know invest in the stock market? All my knowledge about the stock market revolved around it crashing, and it being dangerous. All the while, investing your money is one of the best ways to protect yourself from the dangers of inflation. When there is a lack of knowledge, there will also be a lack of action. Or even worse, wrong action.

A Blueprint to the Future

If schools give us knowledge about financial subjects early on, the whole process of creating wealth will be demystified. This will set the foundation for greater financial success in the future. Imagine if schools taught a class on finances, and gave students an algorithm for how much they should put into their future 401k’s. They would probably start putting in the right amount of cash out of the gates. And if not, at least they were given a fair warning of what would come if they chose not to. However, let’s not stop there. What if schools also gave students a checklist to follow to make sure that their finances were in order.

For example:

1. Create a budget with your paycheck
2. Create a savings account
3. Put the right amount of money in your retirement account
4. Learn how to handle credit cards correctly
5. Start putting money in investments such as stocks and bonds
6. Learn about mortgages, and car notes

If Schools did this graduates would have a road map to reference as they start their journey into adult life.

An Early Start

Given this road map, young adults would have the opportunity to take financial action faster than they may have done before, and would be less likely to fall into debt. Thinking back to when I was first told about 401k’s, people told me they regretted not putting more money into their accounts. If we were visually shown the difference between the amount we would get if we started late verses starting early, many people may pay more attention to their 401k’s. I believe that this theme applies to all financial topics. If we are given this knowledge at an early age, we may start applying these concepts earlier, giving us a better chance at building wealth.

The Road to Riches

Stop me if you’ve heard this anecdote from Alice in Wonderland before. Alice says to the Cheshire Cat `Would you tell me, please, which way I ought to go from here?’. The Cheshire Cat says `That depends a good deal on where you want to get to,’. Alice tells him `I don’t much care where—’. And the Cheshire Cat says `Then it doesn’t matter which way you go,’. As the Cheshire Cat alludes to, if you don’t know exactly where you want to go, then you are leaving it up to chance of where you’ll end up. If somewhere along in our schooling we are taught about financial subjects, we would have a roadmap to lead us to our financial destination much faster. This by the way, will be the main goal of Stash once it’s created.

 

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. We are all about bringing you the most value!

3 Easy Budgeting Tips

It’s always hard around holiday season to stay on budget. You’re balancing your normal expenses along with added expenses of gifts, dinners or drinks with friends, and travel. Many times it comes to the end of the month and you realize you have spent  more than you intended to. So here are three tips to stay on budget.

Have Small & Large Financial Goals

We all have big financial goals, whether it be buying a car or having a worry free retirement, however many people do not focus on the small goals. Setting smaller financial goals makes larger financial goals more achievable along with helping you stay on budget. After studying my budget I discovered I was spending way more than necessary on coffee. So, I set a small financial goal of only allowing myself to purchase two coffees a week. Setting a small goal of only purchasing two coffees a week when I was normally purchase four, saved me $10 per week, that is $40 per month, and $480 per year. Take a look at your spend habits especially around the holidays can help you figure out where you can compromise, whether it be eating out, entertainment, drinks, or cab rides, you will be surprise when you break things down by category and learn how much you are spending. To learn more about setting financial goals check out our post on Accomplishing Your Financial Goals.

Check Yourself

Set aside 30 minutes each week to check your spending and budget. Doing this allows you to see if you are meeting both your financial goals as well as letting you know where you are at financially.This also creates a much easier end of month calculation of expenses and no surprises when you get your bank statement.

Keep it 100

It is important to have a budget that is not only realistic to your income but also one that best suits you. The main goal of budgeting is to allow for you to pay all you need to monthly and to also save money for your future (either short or long term goals). So, when you are creating your budget take an honest look on where you spend your money. There may be areas where you do need to cut your spending but that does not mean you need to get eliminate a category completely. For example, I love to eat out so my eating out budget is larger than the average person. I also do not have a car so all associated costs with a car I do not have, however I do need to budget money for the metro, buses, and cabs. So keep it 100 with yourself and your budget to make sure you never end up in the red.

Staying on budget can be hard but if you have developed a good budget to begin with and then identify steps to take to stay on budget it becomes a lot easier.

 

Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

Accomplishing Your Financial Goals

No matter what stage of life you’re in, you should have financial goals. Your financial goals may be simple or complex, short or long term, small or big. Some more common financial goals are saving money for retirement, purchasing a house, traveling, or paying down debt. So, how do you accomplish these financial goals?

Think of the goal you would like to accomplish and when you would like to accomplish it. Keep in mind many financial goals align with personal goals. Do you want to retire with a certain amount of money, do you want to pay down your debt by a certain date, do you want a car, do you want to travel? Then, consider how much money you need to accomplish your  goal and when you would like to accomplish it. You can discover this number by some simple research on what your goal is.

Once you have a list of your goals, their estimated cost, and when you would like to accomplish them by, you need to prioritize them by their importance to you. When setting financial goals I find it easier to work backwards. Look at the goal at the top of your list and it’s deadline, calculate the number of months between today and your deadline date, this number will tell you how many months you have to save money. Divide the total estimated budget, of your goal, by the number of months till its deadline and you will then have the amount of money you need to save each month.

For instance, I set a personal goal of traveling once a year because it is something I greatly enjoy and it’s something I want in my life. This translated into a short term financial goal of saving $1,500 for my first trip. I estimated this should cover airfare, accommodations, food, transit, etc. Keep in mind, some financial goals take more research than others. I wanted to take my trip in one year, providing me with 12 months to save. To figure out my monthly savings amount I did the simple math of 1500/12=125. I needed to save $125 per month to take my dream trip. My next step was to review my budget and figure out where the $125 per month would come from.

When you really look at your budget, once you have been tracking it for a couple months, you will be surprised to learn where some of your money is going. For instance, how I started saving for my trip was by not purchasing as many coffees per week. I set a small financial goal of only purchasing 2 coffees per week. Setting a small goal of only purchasing 2 coffees a week when I was previously purchasing 4, saved me $10 per week, that is $40 per month, and $480 per year. Yes, this may not be all of the money I needed each month for my travel goal but it brought down my needed amount to $85 rather than $125. Think about where you can compromise, whether it be eating out, entertainment, drinks out, or cab rides, you will be surprise when you break things down by category and learn how much you are spending. Upon further review of my budget I had a little more than $85 per month in my budget not being spent, which gave me my needed total of $125. After reviewing your budget you may not need to compromise on anything.

Keep in mind with some larger long term goals, such as retirement, you should also consider the interest gained in the accounts you deposit your funds into. You can use an estimate of the interest gained to learn how much money you will have by the end of your set deadline. Financial goals should not be overwhelming. The key is to break financial goals down into achievable steps and small goals. Once you break them down they are much more easily achieved.

 

Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. We are all about bringing you the most value!

This blog post is provided for discussion purposes, and is not intended as professional financial advice. It’s intent is not to be used as the sole basis for your investment or tax planning decisions. To get more information please speak with a financial planner. Under no circumstances does this information represent a recommendation to buy or sell securities.

 

5 Ways to Eliminate Your Debt

Create a Budget

Creating a budget may seem obvious but it’s an important step to paying down your debt and a good place to start. Make sure to create a realistic budget that allows you to pay down your debt but also allows you to have some spending money. Cutting all extras out of your life is unrealistic and will just cause disappointment when you eventually break your budget.

Check Interest Rates

If you have multiple debts you are attempting to pay off check the interest rates. Make sure to make minimum payments, or a little bit more if you can, on all of them and then put any additional funds towards the debt with the highest interest. This will save you money in the long run.

Pay More Than the Minimum

When it comes to paying down debt you always want to try and pay off more than the minimum payment, so you actually are making a dent in your debt. In most situations your minimum payment will only cover the interest that has been gained on the debt if that. So, if you actually want to see your debt go down you need to start paying more than the minimum.  

Think About Your Habits

Considering your spending habits is important to successful financial management. In doing this you will understand where you struggle to control your budget and also where you succeed. This will help you determine where you need to exercise a little more control to meet your goals of paying down your debt.

Automate Payments

Try and set up automatic payments for the debts you are paying off. This is beneficial for two reasons. First it will not allow you to miss making a payment and second, the money will not unintentionally be spent on other costs. You can also consider setting the payment date for the same day you normally get paid, this way it will seem similar to automatic deductions of your paycheck such as health insurance and retirement deductions.

What to do Next

Your next step is actually creating a debt repayment plan, which can get a little bit confusing, overwhelming, and frustrating. The goal normally with paying down debt is to get rid of it as fast as possible or faster than what is planned. For instance when considering federal college loans you are looking at a time frame of 10-30 years. Most of us want to get that debt gone in 10 years or less. To figure out your debt repayment plan look for debt repayment tools like Ready for Zero.

Ready for Zero is a free app and website that allows you to either link your debt accounts (credit cards, loans, etc.) or enter them in manual so there is no linking to your accounts and helps you create a repayment plan. Once you have entered your information you can change the date you want to be debt free by, or the monthly payment amount and the program will show you what your monthly payments need to be to achieve that. They also have some other great resources that will help you manage your debt. However, there are many other resources out there to help manage debt, find out which one is best for you. Share with us any tools and tips you have found useful!

 

Got a great idea or suggestion of what you would like us to blog about? Please send your inquiries to stashadvisor@gmail.com. We are all about bringing you the most value!