Money Matter$ is a program that I have developed for young and old. It shows you how easy it is sometimes to keep more of what you make. Various areas can be changed and cash can be redirected to important areas such as short and long term savings. As well as protecting the “money making machine.”

One of the best ways to “ramp up” savings is to reduce the expense of debt. Have you checked lately the extra dollars going out each month on high interest debt, visa or mastercard, overdraft and retail store cards? These can be reduced. That can turn into quite an annual savings that can go into savings, short/emergency fund and long term retirement savings.

Ever wonder why you have bought something the day after? Lots of have. Next time you are purchasing that non-essential item, wait a day. Some people are compulsive consumers. What a difference a day makes in the thought process. It can give a clearer perspective. Remember for many it is not what you make but what you keep. Cash is king!

It is time. A will is root of estate planning. It really doesn’t have to take long to complete. At least get one done with what you can determine and update it later. It is going to save your executor and future beneficiaries a lot of stress and hassle. But don’t forget the enduring power of attorney the same time as the will is updated or created. It can save time and money for you and your chosen power of attorney. I recommend using a lawyer for these both of these. It will help your future executor when a will is properly drafted and then the subsequent execution.

Smart spending is “thoughtful” spending as in actually conciously thinking before the next purchase. Buying the 2-3 year old car instead of the new one or cutting back on the annoying coffee stops. It all adds up. It is amazing what little expenditures add up in a year.

Cash management is more real than you know. There are numerous ways to bring cash management under control. What we tend to forget is how easy a few changes can make a paramount difference in what you will accumlate. Check out the tips in my website. Having the will to make a few of these changes though can be difficult for some of us. Here is a perfect reason why we need our own personal financial trainor; a financial planner that you count on for objective advice.

http://www.douglaswrightfinancial.com/